Consumer credit
Want to treat yourself or delight your family, finance your own or your children's education, cope with an urgent or unexpected expense ?
Whatever your project, need, or desire, Rawbank offers you advantageous financing solutions tailored to your budget. Give meaning to your small and large projects.
Tailored Solutions to Finance Your Personal Projects
![Cre?dit Etude](https://rawbank.com/wp-content/uploads/2021/04/Cre?dit-Etude-1024x250.jpeg)
Finance Your Children's Education
Looking to finance your children's education and cover all related expenses? Discover Rawbank's Study Consumer Credit.
Study Credit is a consumer credit designed for the payment of tuition and academic fees for employees' children in approved companies
![1640x400-easy-shop](https://rawbank.com/wp-content/uploads/2021/04/1640x400-easy-shop-psd-1024x250.jpg)
![1640x400-easy-shop](https://rawbank.com/wp-content/uploads/2021/04/1640x400-easy-shop-psd-1024x250.jpg)
Equip Your Home to Your Liking
Want to redecorate your kitchen, acquire new furniture, or treat yourself to a new television? Discover Easyshop Consumer Credit.
The Easyshop solution allows you to decorate your home in your style, equip it according to your needs, and repay at your own pace.
![1640x400-credit-Auto](https://rawbank.com/wp-content/uploads/2021/04/1640x400-credit-Auto-1024x250.jpg)
![1640x400-credit-Auto](https://rawbank.com/wp-content/uploads/2021/04/1640x400-credit-Auto-1024x250.jpg)
Purchase a New Car
Thinking of buying a new car or upgrading your current vehicle? Explore Auto Consumer Credit.
Auto Credit is consumer credit that offers employees of companies approved by Rawbank the opportunity to purchase a new vehicle.
![Cre?dit Etude](https://rawbank.com/wp-content/uploads/2021/04/Cre?dit-Etude-1024x250.jpeg)
![Cre?dit Etude](https://rawbank.com/wp-content/uploads/2021/04/Cre?dit-Etude-1024x250.jpeg)
![Cre?dit Etude](https://rawbank.com/wp-content/uploads/2021/04/Cre?dit-Etude-1024x250.jpeg)
Get an Advance
Need an advance to meet your needs, treat yourself, or handle an unexpected expense? Discover Leopard Consumer Credit.
Leopard Credit is consumer credit intended for employees of the Congolese state. It is a fixed-term advance (FTA) with a credit limit of up to 4 months of net salary
![Cre?dit Moto Plus-1640x400](https://rawbank.com/wp-content/uploads/2022/07/Cre?dit-Moto-Plus-1640x400-1-1024x250.jpg)
![Cre?dit Moto Plus-1640x400](https://rawbank.com/wp-content/uploads/2022/07/Cre?dit-Moto-Plus-1640x400-1-1024x250.jpg)
![Cre?dit Moto Plus-1640x400](https://rawbank.com/wp-content/uploads/2022/07/Cre?dit-Moto-Plus-1640x400-1-1024x250.jpg)
Buy a Motorcycle
Planning to buy a new motorcycle or replace your current one with a new one? Make your rides more enjoyable with motorcycle credit
![1640x400-credit-okaz'Auto](https://rawbank.com/wp-content/uploads/2021/04/1640x400-credit-okazAuto-1024x250.jpg)
![1640x400-credit-okaz'Auto](https://rawbank.com/wp-content/uploads/2021/04/1640x400-credit-okazAuto-1024x250.jpg)
Buy a Used Car
Prefer to buy a used car for your transportation needs? Explore Okaz Auto Consumer Credit.
Discover a cunsomer credit Okaz Auto
![1640x400-easy-energy](https://rawbank.com/wp-content/uploads/2021/04/1640x400-easy-energy-1024x250.jpg)
![1640x400-easy-energy](https://rawbank.com/wp-content/uploads/2021/04/1640x400-easy-energy-1024x250.jpg)
Save on Your Energy Consumption
Want to reduce your electricity bill and contribute to a more environmentally friendly planet? Discover Easy Energy Consumer Credit.
Easy Energy Credit makes it easy for you to purchase solar kits
![1640x400-easy-fly](https://rawbank.com/wp-content/uploads/2021/04/1640x400-easy-fly-1024x250.jpg)
![1640x400-easy-fly](https://rawbank.com/wp-content/uploads/2021/04/1640x400-easy-fly-1024x250.jpg)
Travel Comfortably
Whether you want to travel alone or with your family for vacations or work purposes, discover Easy Fly Consumer Credit.
Easy Fly is a credit that allows employees of approved companies by Rawbank to purchase plane tickets on credit at partner travel agencies
![1640x400-schoolap](https://rawbank.com/wp-content/uploads/2021/09/1640x400-schoolap-1024x250.jpg)
![1640x400-schoolap](https://rawbank.com/wp-content/uploads/2021/09/1640x400-schoolap-1024x250.jpg)
Support Your Children's Education
Looking to enhance your children's learning experience or access educational content? Discover Schoolap Consumer Credit.
Schoolap Credit is a consumer credit designed to finance the acquisition of a Schoolap Molakisi tablet, an essential tool for students' learning and course preparation for teachers, state employees, and employees of bank-approved companies.
![Cre?dit Moto Plus-1640x400](https://rawbank.com/wp-content/uploads/2022/07/Cre?dit-Moto-Plus-1640x400-1-1024x250.jpg)
![Cre?dit Moto Plus-1640x400](https://rawbank.com/wp-content/uploads/2022/07/Cre?dit-Moto-Plus-1640x400-1-1024x250.jpg)
![Cre?dit Moto Plus-1640x400](https://rawbank.com/wp-content/uploads/2022/07/Cre?dit-Moto-Plus-1640x400-1-1024x250.jpg)
Buy a Boxer Motorcycle
Planning to buy a new motorcycle or replace your current one with a new one? Make your rides more enjoyable with motorcycle credit
Consumer Credit at Rawbank, Principles, and Operation
Consumer credit is a very convenient solution for individuals looking to finance significant projects. However, this type of financing often comes with relatively high interest rates and administrative fees compared to other types of bank loans. This can be intimidating for consumers, but it is possible to find competitive consumer credit offers.
In Kinshasa and across the entire Congo, Rawbank offers a wide range of consumer credit solutions tailored to the needs of consumers. Whether it's a personal loan, an earmarked loan, or a revolving loan, Rawbank provides solutions suitable for every profile and offers very competitive interest rates. In addition, the process of obtaining consumer credit from Rawbank is very simple and quick.
To find the best interest rates and conditions for your consumer credit, it is essential to compare the offers provided by Rawbank and other banks. Comparative rates and conditions, online simulations, expert assistance, and advice…Rawbank provides you with the tools you need to secure the best consumer credit.
Understanding Loans
Banks offer a variety of consumer loan products and services. Personal loans are short-term loans that can be used to finance personal purchases. Earmarked loans are loans for specific purposes, such as buying a car or real estate.
Revolving loans are long-term loans that allow borrowers to draw from a renewable credit line. The proposed interest rates can be fixed or variable and vary based on the financial situation and profile of each client. Banks in the DRC also offer flexible solutions for loan repayment, such as prepayments, discounts, and optional insurance.
These flexible solutions provide clients with the opportunity to manage their finances and loans more effectively, offering repayment options more advantageous than fixed payments. They may also offer discounts for early payments, providing clients with interest reductions and the ability to repay their loans more quickly. Lastly, banks offer optional insurance to protect borrowers against unforeseen financial events, such as job loss or accidents.
Understanding Consumer Credit at Rawbank
Rawbank offers consumer credit products and services to meet the needs of individuals in Kinshasa or Kisangani. With competitive loan rates and flexible solutions tailored to each situation, Rawbank offers a wide range of consumer credit products, including personal loans, earmarked loans, and revolving loans.
The personal loan is the most popular product offered by Rawbank. It allows clients to obtain funds to finance specific purchases, projects, or simply to have additional liquidity. Earmarked loans are typically linked to a specific purchase, such as the purchase of a vehicle or electronic equipment. The revolving loan is a long-term financing solution that provides clients with a constant sum of money to use as needed.
Rawbank also offers consumer credit solutions designed to meet specific client needs. Clients can benefit from a fixed-rate loan with a flexible repayment period of up to 84 months. Our clients can also enjoy protection in case of job loss or death and optional insurance to cover their monthly payments. Rawbank also allows its clients to compare its offers with those of other lending institutions to find the product that best suits their needs.
Finally, Rawbank provides advice and information on consumer credit to help its clients make informed decisions. Clients can learn how consumer credit can help finance their projects and how to choose the right credit product. Clients can also find information on current interest rates and fees associated with various credit products.
In summary
Consumer credit is a financing solution that provides additional liquidity and can be useful for financing specific projects or purchases. It is essential to understand the different offers available in the market and carefully compare the various interest rates and solutions offered by banks. Clients should also consider the risks and benefits associated with taking out consumer credit and fully understand the financial and legal consequences.