Avantajele sunt numeroase, în special pentru aplicanții care au nevoie urgentă de bani:
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Imprumutul de bani reprezinta un angajament important pentru ambele parti, de aici si numarul mare de termeni si prevederi, precum dobanzile percepute, planul de rambursare, taxele de intarziere sau penalitatile pentru neplata.De regula, in conturile de economi ar trebuie sa strangi suficienti bani pentru a putea acoperi obligațiile de plata pe care le ai, pe parcursul perioadei de criza.
