{"id":6793,"date":"2026-04-07T08:41:43","date_gmt":"2026-04-07T07:41:43","guid":{"rendered":"https:\/\/www.credafin.be\/credit-opening\/credit-cards-more-expensive-than-loans"},"modified":"2026-04-07T08:41:43","modified_gmt":"2026-04-07T07:41:43","slug":"credit-cards-more-expensive-than-loans","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/credit-opening\/credit-cards-more-expensive-than-loans","title":{"rendered":"Credit Cards: More Expensive Than Loans!"},"content":{"rendered":"

While convenient in our daily lives or during a trip, credit cards can become very costly when used for making purchases on credit…<\/strong><\/p>\n

<\/p>\n

Varying Interest Amounts Depending on the Type of Credit Chosen<\/h2>\n

When you make a purchase using your credit card, a repayment option may be offered by the merchant you are dealing with.<\/p>\n

This merchant is partnered with a company specialized in bank loans. This enticing financing option results in high-interest rates (often around 12.5% per year). To avoid paying exorbitant interest, you should repay your balance as soon as possible, which is usually not easy when you’ve just taken out credit….<\/p>\n

TopCompare.be conducted a study analyzing the rates applied on various credit cards, as well as the prevailing rates for personal loans<\/a>. The observed rate differences revealed that it is much more advantageous to opt for a personal loan, due to the lower interest rates offered compared to those on a credit purchase with your bank card. It is therefore advisable to take out a personal loan<\/a> over 12 months, rather than repaying your credit card balance over 6 months.<\/p>\n

A credit card purchase should only be considered if one can repay the contracted loan in less than 3 months.<\/p>\n

If you cannot repay the borrowed amount within 3 months of taking the credit via your bank card, it is more prudent and wise to postpone your purchase…<\/p>\n

How to Obtain a Loan of 4,000 \u20ac?<\/a><\/h2>\n

If you want to obtain the sum of 4,000 \u20ac without paying excessively high interest, calculate the total interest from using your credit cards and compare it to the interest on a personal loan.<\/p>\n

    \n
  • Option 1<\/span>: Credit card with a limit of 5,000 \u20ac<\/strong>
    \nIf you decide to repay the borrowed capital over 3 months (in 3 installments), you will pay 79 \u20ac in interest. However, if you opt for a personal loan at Buy Way Finance over 3 months, you will pay 36 \u20ac in interest.<\/li>\n
  • Option 2<\/span>: 4,000 \u20ac payable in 6 months<\/strong>
    \nIf you decide to repay the borrowed capital in 6 months, you will pay 138 \u20ac in interest. On the other hand, if you choose a 6-month personal loan at Buy Way Finance, you will pay 63 \u20ac in interest.<\/li>\n
  • Option 3<\/span>: 4,000 \u20ac repayable in 12 months<\/strong>
    \nIf you choose to repay the borrowed capital over 12 months, you will pay 256 \u20ac in interest. If you opt for a personal loan at Buy Way Finance, you will pay 116 \u20ac in interest.<\/li>\n
  • Option 4<\/span>: 4,000 \u20ac repayable over 3 years<\/strong>
    \nWant to repay your credit over 3 years? Note that from the 34th month, you will have reached the end of the zero-balance period. This means that if you do not repay the amounts due within 3 years, you will owe the total amounts required by your lender. You will, therefore, need to pay the due amount at once.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    Discover how credit cards can be costlier than personal loans\u2014click to learn how to save on interest!<\/p>\n","protected":false},"author":22,"featured_media":4492,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"credit cards","_yoast_wpseo_title":"Credit Cards: More Expensive Than Loans! | Credafin","_yoast_wpseo_metadesc":"Combat high interest on credit cards: discover smarter loan options now and save big!","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/en\/credit-opening\/credit-cards-more-expensive-than-loans","_yoast_wpseo_focuskw_text":"credit cards","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[69],"tags":[],"class_list":["post-6793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-opening"],"yoast_head":"\nCredit Cards: More Expensive Than Loans! 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