{"id":1731,"date":"2018-08-09T16:08:10","date_gmt":"2018-08-09T13:08:10","guid":{"rendered":"https:\/\/financer.ro\/?post_type=company_single&#038;p=1731"},"modified":"2025-04-01T10:44:11","modified_gmt":"2025-04-01T07:44:11","slug":"mogo","status":"publish","type":"company_single","link":"https:\/\/financer.ro\/companie\/mogo\/","title":{"rendered":"Mogo"},"content":{"rendered":"<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignright size-large\"><img decoding=\"async\" width=\"125\" height=\"62\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/08\/mogo.png\" alt=\"Mogo\" class=\"wp-image-1733\"><\/figure><\/div>\n\n\n<p>Mogo IFN face parte din grupul Mogo Finance Grup SA, care activeaz\u0103 \u00eenc\u0103 din anul 2012 \u00een mai multe \u021b\u0103ri din Uniunea European\u0103, printre care \u0219i Rom\u00e2nia. <\/p>\n\n\n\n<p>Mogo IFN este unul dintre liderii pie\u021bei financiare din Rom\u00e2nia, specializat \u00een acordarea de <a href=\"https:\/\/financer.ro\/credit\/credit-auto\/\" data-type=\"page\" data-id=\"788\">credite auto<\/a> (inclusiv pentru achizi\u021bia de ma\u0219ini second-hand \u0219i refinan\u021b\u0103ri auto) \u0219i <a href=\"https:\/\/financer.ro\/credit\/credit-nevoi-personale\/\">credite de nevoi personale<\/a> girate cu automobile.<\/p>\n\n\n\n<p>Iat\u0103 care sunt principalele aspecte de care trebuie s\u0103 \u021bii cont:<\/p>\n\n\n\n<table>\n<thead>\n<tr>\n<th colspan=\"2\">Mogo &#8211; caracteristici generale<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Sum\u0103 maxim\u0103 creditat\u0103<\/strong><\/td>\n<td>60000 lei<\/td>\n<\/tr>\n<tr>\n<td><strong>Dob\u00e2nd\u0103 lunar\u0103<\/strong><\/td>\n<td>\u00cencep\u00e2nd de la 2%* (explic\u0103m \u00een sec\u021biunea dedicat\u0103 dob\u00e2nzilor de ce acest * aici)<\/td>\n<\/tr>\n<tr>\n<td><strong>Perioad\u0103 de rambursare<\/strong><\/td>\n<td>6 &#8211; 60 luni<\/td>\n<\/tr>\n<tr>\n<td><strong>Debitarea direct\u0103 a datoriei de pe card<\/strong><\/td>\n<td>Da<\/td>\n<\/tr>\n<tr>\n<td><strong>Posibilitate de plat\u0103 numerar<\/strong><\/td>\n<td>Da, prin transfer la toate institu\u021biile bancare<\/td>\n<\/tr>\n<tr>\n<td><strong>V\u00e2rsta minim\u0103 a aplicantului<\/strong><\/td>\n<td>20 ani<\/td>\n<\/tr>\n<tr>\n<td><strong>Venit minim<\/strong><\/td>\n<td>1500 lei<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantaje_i_dezavantaje_Mogo\">Avantaje \u0219i dezavantaje Mogo<\/h2>\n\n\n\n<p>\u00cen urma experien\u021belor noastre \u0219i dup\u0103 ce am citit despre Mogo IFN p\u0103reri ale unor fo\u0219ti clien\u021bi, am observat c\u0103 acest creditor vine cu c\u00e2teva puncte forte, dar \u0219i cu c\u00e2teva neajunsuri, cele mai importante fiind:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3>Avantaje Mogo<\/h3><li><p><strong>Credite auto de p\u00e2n\u0103 la 60.000 lei<\/strong>. Po\u021bi ob\u021bine suma maxim\u0103, indiferent de v\u00e2rsta autoturismului.<\/p>\n<\/li><li><p><strong>Credite de nevoi personale cu garan\u021bie auto<\/strong>. Po\u021bi accesa p\u00e2n\u0103 la 60.000 lei \u00een baza unui autovehicul pe care \u00eel de\u021bii (p\u00e2n\u0103 la 85% din valoarea ma\u0219inii).<\/p>\n<\/li><li><p><strong>Po\u021bi aplica \u0219i dac\u0103 ai istoric negativ<\/strong>. Un mare avantaj compar\u00e2nd cu creditele oferite de b\u0103nci.<\/p>\n<\/li><li><p><strong>Sursa veniturilor poate fi multipl\u0103<\/strong>. Salarii, pensii, venituri din str\u0103in\u0103tate, drepturi de autor etc.<\/p>\n<\/li><li><p><strong>Nu e\u0219ti obligat s\u0103 \u00ee\u021bi faci asigurare CASCO<\/strong>. Nu c\u0103 recomand\u0103m nep\u0103rat asta, dar scapi de anumite cheltuieli dac\u0103 alegi s\u0103 nu o faci.<\/p>\n<\/li><li><p><strong>\u00centreg procesul are loc online<\/strong>. Dac\u0103 vrei s\u0103 iei un credit \u00een baza unui vehicul pe care \u00eel ai, trimi\u021bi poze, \u021bi se face evaluare online \u0219i apoi \u021bi se transfer\u0103 banii \u00een cont<\/p>\n<\/li><li><p><strong>Nu este necesar\u0103 achitarea vreunui avans<\/strong>. Vei putea accesa un credit Mogo auto chiar f\u0103r\u0103 plata vreunui avans. <\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3>Dezavantaje Mogo<\/h3><li><p><strong>Calculul dob\u00e2nzii \u0219i a ratei este mai greu de \u00een\u021beles<\/strong>. Vom explica mai jos de ce.<\/p>\n<\/li><li><p><strong>Dob\u00e2nzile sunt mari<\/strong>. Chiar dac\u0103 \u00een compara\u021bie cu alte IFN-uri costurile pot p\u0103rea mici, trebuie s\u0103 \u021bii cont c\u0103 aici discut\u0103m despre un credit cu garan\u021bie auto. Iar \u00een aceste condi\u021bii s\u0103 ai totu\u0219i un DAE minim de 34,33% \u0219i care poate ajunge p\u00e2n\u0103 la 55,05%, pare cam mult.<\/p>\n<\/li><li><p><strong>Evalu\u0103ri cam mici ale ma\u0219inilor<\/strong>. Cu toate c\u0103 nu am experimentat noi asta, dar exist\u0103 recenzii Mogo care spun c\u0103 ma\u0219inile sunt evaluate sub pre\u021bul estimat de proprietari, ceea ce poate duce la frustr\u0103ri.<\/p>\n<\/li><li><p><strong>Serviciul rela\u021bii clien\u021bi las\u0103 de dorit<\/strong>. Am \u00eencercat s\u0103 lu\u0103m leg\u0103tura cu cineva de la Mogo prin mail (nu au alt sistem de contact scris), dar nu am primit niciun r\u0103spuns.<\/p>\n<\/li><li><p><strong>Comision de rambursare anticipat\u0103<\/strong>. Vei avea de achitat 1% din valoarea creditului rambursat \u00eenainte de termen dac\u0103 faci acest lucru \u00een primul an sau 0.5% dac\u0103 faci oric\u00e2nd dup\u0103 primul an.<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Dobnd_Mogo_IFN\">Dob\u00e2nd\u0103 Mogo IFN<\/h2>\n\n\n\n<p>Ne-am g\u00e2ndit s\u0103 dedic\u0103m o sec\u021biune separat\u0103 dob\u00e2nzilor Mogo \u00eentruc\u00e2t acestea nu sunt cel mai simplu de \u00een\u021beles.<\/p>\n\n\n\n<p>Dup\u0103 cum spuneam \u0219i la partea de mai sus, dob\u00e2nzile creditelor Mogo (DAE) sunt situate \u00eentre 34,33% \u0219i 55,05%. <\/p>\n\n\n\n<p>Simplu p\u00e2n\u0103 aici? Ei bine, de aici se complic\u0103 pu\u021bin lucrurile. Iat\u0103 de ce:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Exemplu_de_calcul_dobnd_Mogo_credit\">Exemplu de calcul dob\u00e2nd\u0103 Mogo credit<\/h3><p>S\u0103 zicem c\u0103 lu\u0103m un credit de 35.000 lei pe 60 luni, DAE este de 34,33%. Iat\u0103 cum arat\u0103 un calcul rate Mogo:<\/p>\n<ul>\n<li>12 rate lunare \u00een valoare de 1547,06 lei fiecare, cu o rat\u0103 a dob\u00e2nzii de 4%<\/li>\n<li>12 rate lunare \u00een valoare de 1180,64 lei fiecare, cu o rat\u0103 a dob\u00e2nzii de 2,45%<\/li>\n<li>12 rate lunare \u00een valoare de 775,41 lei fiecare cu o rat\u0103 a dob\u00e2nzii de 0,02%<\/li>\n<li>24 rate lunare \u00een valoare de 774,44 Lei fiecare cu o rat\u0103 a dob\u00e2nzii de 0,01%<\/li>\n<\/ul>\n<p>Ce \u00eenseamn\u0103 asta, practic? \u00cen primul an ai o rat\u0103 anual\u0103 a dob\u00e2nzii de 48%, iar \u00een al doilea de 29,4%.<\/p>\n<p>Deci dac\u0103 al t\u0103u \u00eemprumut se desf\u0103\u0219oar\u0103 pe mai mult de doi ani, deja tot ce aveai de achitat c\u0103tre cei de la Mogo IFN \u0219i nu mai are sens s\u0103 faci rambursare anticipat\u0103. Mai pierzi \u0219i 1% din suma pl\u0103tit\u0103 degeaba.<\/p><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Compar\u0103 credite oferite de 17 companii<\/h3><p>G\u0103se\u0219te cel mai ieftin credit cu un singur click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"3000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-slider-url=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30\" data-required=\"results?query=1non_affiliate=true&param_amount=3000&param_period=30&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compar\u0103 ofertele<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Tipuri_de_mprumuturi_oferite\">Tipuri de \u00eemprumuturi oferite<\/h2>\n\n\n\n<p>Compania ofer\u0103 dou\u0103 tipuri de credite pe care le vom analiza individual:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Mogo_auto\">Mogo auto<\/h3>\n\n\n\n<p>Mogo auto este un credit pe care \u00eel vei putea utiliza pentru a-\u021bi achizi\u021biona un autoturism nou sau second-hand.<\/p>\n\n\n\n<p>Po\u021bi accesa sume cuprinse \u00eentre 5.000 \u0219i 60.000 lei, iar perioada de rambursare este cuprins\u0103 \u00eentre 6 \u0219i 60 luni. <\/p>\n\n\n\n<p>Dob\u00e2nda anual\u0103 efectiv\u0103 porne\u0219te de la 34,33% \u0219i poate ajunge p\u00e2n\u0103 la 55,05%.<\/p>\n\n\n\n<p>Ai op\u021biunea de a achizi\u021biona ma\u0219ini fie de la dealeri, fie direct de pe site-ul Mogo care are parteneriate cu diverse societ\u0103\u021bi ce se ocup\u0103 cu v\u00e2nzarea de ma\u0219ini \u0219i unde vei g\u0103si peste 3.000 vehicule rulate din care po\u021bi alege.<\/p>\n\n\n\n<p>Ca avantaje ale acestui produs, putem aminti c\u0103:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Tu e\u0219ti proprietarul ma\u0219inii \u00eenc\u0103 din prima zi, nu cum se \u00eent\u00e2mpl\u0103 atunci c\u00e2nd iei un leasing \u0219i compania creditoare este cea care de\u021bine ma\u0219ina p\u00e2n\u0103 \u00een momentul achit\u0103rii datoriei<\/p>\n<\/li><li><p>Nu e\u0219ti obligat s\u0103 \u00ee\u021bi faci o poli\u021b\u0103 CASCO pentru a asigura ma\u0219ina \u00een numele creditorului, cum se \u00eent\u00e2mpl\u0103 \u00een cazul unui leasing<\/p>\n<\/li><li><p>Nu este nevoie s\u0103 pl\u0103te\u0219ti vreun avans<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/mogo\/redirect\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"sponsored nofollow\">Acceseaz\u0103 un credit auto Mogo<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Mogo_credit_de_nevoi_personale\">Mogo credit de nevoi personale<\/h3>\n\n\n\n<p>Mogo credit de nevoi personale este un \u00eemprumut cu garan\u021bie auto.<\/p>\n\n\n\n<p>\u00cel po\u021bi accesa doar dac\u0103 ai un autoturism proprietate personal\u0103 \u0219i doar dac\u0103 \u00eel utilizezi drept gaj pentru viitorul \u00eemprumut.<\/p>\n\n\n\n<p>Condi\u021biile de creditare sunt foarte asem\u0103n\u0103toare cu cele de mai sus:<\/p>\n\n\n\n<ul>\n<li>Sumele pe care le po\u021bi accesa variaz\u0103 \u00een func\u021bie de valoarea ma\u0219inii, dar nu vor fi mai mici de 5.000 lei \u0219i nici mi mari de 60.000 lei*<\/li>\n\n\n\n<li>Perioada de rambursare \u00eentre 6 \u0219i 60 luni<\/li>\n\n\n\n<li>DAE este cuprins \u00eentre 34,33% \u0219i 55,05%<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>* Din p\u0103cate, pe site am g\u0103sit informa\u021bii contradictorii privind procentul din valoare ma\u0219inii creditat. Pe unele pagini este scris c\u0103 \u021bi se va acorda credit \u00een cuantumul a maxim 75% din valoarea ma\u0219inii, pe altele c\u0103 p\u00e2n\u0103 la 85% din valoarea ei. Nu \u0219tim exact care informa\u021bie este adev\u0103rat\u0103 \u0219i care nu.<\/p><\/div>\n\n\n<p>Ca avantaje ale acestui produs, putem aminti c\u0103:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>\u00centreg procesul de creditare are loc online &#8211; de la evaluarea ma\u0219inii, la semnarea actelor, totul se face de pe telefonul mobil, f\u0103r\u0103 s\u0103 fie nevoie s\u0103 te deplasezi la vreun centru sau punct de lucru<\/p>\n<\/li><li><p>Tu r\u0103m\u00e2i proprietarul ma\u0219inii pe toat\u0103 durata \u00eemprumutului \u0219i singurul risc de a r\u0103m\u00e2ne f\u0103r\u0103 bunul mobil este dac\u0103 nu \u00ee\u021bi pl\u0103te\u0219ti ratele<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/mogo\/redirect\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"sponsored nofollow\">Acceseaz\u0103 un credit de nevoi personale Mogo<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Condiii_pentru_obinerea_unui_credit_Mogo\">Condi\u021bii pentru ob\u021binerea unui credit Mogo<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>S\u0103 fii cet\u0103\u021bean rom\u00e2n, s\u0103 ai o carte de identitate valabil\u0103 \u0219i s\u0103 fi \u00eemplinit v\u00e2rsta de 20 ani, dar s\u0103 nu ai mai mult de 75 ani la data finaliz\u0103rii creditului<\/p>\n<\/li><li><p>S\u0103 ai o adres\u0103 de e-mail valid\u0103 \u0219i un num\u0103r de telefon pe care s\u0103 po\u021bi fi contactat<\/p>\n<\/li><li><p>S\u0103 ai un venit minim dovedibil de minim 1.500 lei, ce poate proveni din salariu, pensie sau alte surse (chirii, drepturi de autor) sau chiar din str\u0103in\u0103tate, dac\u0103 vii cu un co-debitor<\/p>\n<\/li><li><p>Po\u021bi aplica chiar \u0219i dac\u0103 ai un istoric negativ \u00een Biroul de Credit<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Plat_rate_Mogo\">Plat\u0103 rate Mogo<\/h2>\n\n\n\n<p>Vei avea la dispozi\u021bie urm\u0103toarele variante:<\/p>\n\n\n\n<ul>\n<li><strong>Transfer bancar<\/strong>\u00a0\u00een conturile Mogo<\/li>\n\n\n\n<li><strong>Debitare direct\u0103<\/strong>\u00a0din contul bancar<\/li>\n\n\n\n<li><strong>Pl\u0103\u021bi online<\/strong>\u00a0prin portalul de client \u00een baza CNP-ului<\/li>\n<\/ul>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Cum s\u0103 economise\u0219ti <span class=\"compare-amount\">2.455,00 Lei <\/span> cu un credit<\/h3>\n\t\t\t\t<p>Diferen\u021ba de pre\u021b pentru un credit de 3.000,00 Lei pe 90 zile este de 2.455,00 Lei.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.ro\/results\/?query=1&filter_non_affiliate=1&param_amount=3000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Afl\u0103 cum<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Mogo_IFN_preri_Financer\">Mogo IFN p\u0103reri Financer<\/h2>\n\n\n\n<p>Echipa noastr\u0103 a analizat atent produsele oferite IFN-ului, test\u00e2nd procesul de aplicare pentru creditele auto \u0219i de nevoi personale, \u0219i compar\u00e2nd ofertele Mogo cu cele ale altor institu\u021bii financiare din Rom\u00e2nia.<\/p>\n\n\n\n<p>\u00cen final, iat\u0103 ce p\u0103rere avem despre Mogo IFN \u0219i ce not\u0103 \u00eei oferim acestui creditor:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Caracteristic\u0103<\/th><th class=\"has-text-align-center\" data-align=\"center\">P\u0103rerea Financer<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Costuri<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">U\u0219urin\u021ba de aplicare pentru un \u00eemprumut<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rapiditatea aprob\u0103rii cererii de creditare<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Sume maxime ce pot fi accesate<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">U\u0219urin\u021ba \u00een utilizare \u0219i \u00een rambursarea datoriei<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nota general\u0103<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.8\/5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ce_ne_place\">Ce ne place<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Procesul simplu de aplicare online<\/strong> <\/p>\n<p>Unul dintre aspectele care ne-a impresionat este u\u0219urin\u021ba cu care po\u021bi aplica pentru un credit Mogo. \u00centregul proces este digitalizat \u0219i nu necesit\u0103 vizite la sediul companiei. Pentru creditele cu garan\u021bie auto, evaluarea ma\u0219inii se face tot online, prin trimiterea unor fotografii, ceea ce economise\u0219te timp considerabil.<\/p>\n<\/li><li><p><strong>Flexibilitate pentru persoanele cu istoric negativ<\/strong> <\/p>\n<p>\u00cen compara\u021bie cu b\u0103ncile tradi\u021bionale, Mogo are o abordare mai flexibil\u0103 fa\u021b\u0103 de persoanele cu istoric negativ \u00een Biroul de Credit. Acest aspect face ca serviciile lor s\u0103 fie accesibile unei categorii mai largi de clien\u021bi, care altfel ar avea dificult\u0103\u021bi \u00een ob\u021binerea unui \u00eemprumut.<\/p>\n<\/li><li><p><strong>Acceptarea multiplelor surse de venit<\/strong> <\/p>\n<p>Ne place c\u0103 Mogo Rom\u00e2nia nu se limiteaz\u0103 doar la veniturile din salarii, ci accept\u0103 \u0219i alte surse precum pensii, drepturi de autor, chirii sau chiar venituri din str\u0103in\u0103tate (cu co-debitor). Aceast\u0103 flexibilitate permite mai multor categorii de persoane s\u0103 acceseze creditele oferite.<\/p>\n<\/li><li><p><strong>F\u0103r\u0103 obligativitatea asigur\u0103rii CASCO <\/strong><\/p>\n<p>Spre deosebire de majoritatea institu\u021biilor financiare care ofer\u0103 leasing auto, Mogo nu impune obligativitatea unei asigur\u0103ri CASCO, ceea ce reduce costurile totale ale \u00eemprumutului. Este un avantaj important, av\u00e2nd \u00een vedere c\u0103 o poli\u021b\u0103 CASCO poate \u00eensemna cheltuieli suplimentare considerabile.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"La_ce_se_mai_poate_lucra\">La ce se mai poate lucra<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Transparen\u021ba costurilor <\/strong><\/p>\n<p>Structura dob\u00e2nzilor Mogo este complicat\u0103 \u0219i poate induce \u00een eroare clien\u021bii. Faptul c\u0103 ratele \u0219i dob\u00e2nzile variaz\u0103 semnificativ pe parcursul perioadei de creditare face dificil\u0103 \u00een\u021belegerea costului total real al \u00eemprumutului. O prezentare mai clar\u0103 \u0219i mai simpl\u0103 a costurilor ar fi benefic\u0103 pentru clien\u021bi.<\/p>\n<\/li><li><p><strong>Dob\u00e2nzi ridicate <\/strong><\/p>\n<p>DAE-ul cuprins \u00eentre 34,33% \u0219i 55,05% este considerabil mai mare dec\u00e2t cel practicat de b\u0103nci pentru credite similare, chiar \u0219i \u00een cazul creditelor garantate. De\u0219i \u00een\u021belegem c\u0103 este un IFN care \u00ee\u0219i asum\u0103 riscuri mai mari, consider\u0103m c\u0103 ratele dob\u00e2nzilor ar putea fi mai competitive.<\/p>\n<\/li><li><p><strong>Comunicarea cu clien\u021bii <\/strong><\/p>\n<p>Serviciul de rela\u021bii cu clien\u021bii pare s\u0103 fie un punct slab. Am \u00eencercat s\u0103 contact\u0103m Mogo prin email f\u0103r\u0103 a primi r\u0103spuns, iar din recenziile clien\u021bilor am observat pl\u00e2ngeri similare. \u00cembun\u0103t\u0103\u021birea acestui aspect ar cre\u0219te semnificativ satisfac\u021bia clien\u021bilor.<\/p>\n<\/li><li><p><strong>Evaluarea ma\u0219inilor <\/strong><\/p>\n<p>Conform recenziilor analizate, evalu\u0103rile vehiculelor tind s\u0103 fie sub a\u0219tept\u0103rile proprietarilor, ceea ce poate duce la nemul\u021bumiri \u0219i la sume de \u00eemprumut mai mici dec\u00e2t cele anticipate. Un proces de evaluare mai transparent \u0219i echitabil ar fi benefic.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Mogo_IFN_alternative\">Mogo IFN alternative<\/h2>\n\n\n\n<p>Dup\u0103 cum am prezentat, Mogo este o companie de credit important\u0103 pe pia\u021ba noastr\u0103.<\/p>\n\n\n\n<p>Acestea fiind zise, haide s\u0103 vedem cum se compar\u0103 cu al\u021bi creditori ce ofer\u0103 produse similare:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Companie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Sum\u0103 maxim\u0103 creditat\u0103 (lei)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Credit cu dob\u00e2nd\u0103 0 clien\u021bi noi (sum\u0103 lei)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dob\u00e2nd\u0103 zilnic\u0103 (%)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Perioad\u0103 rambursare maxim\u0103 (zile)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Acceptare clien\u021bi r\u0103u-platnici<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/viva-credit\/\" data-type=\"company_single\" data-id=\"1974\">Viva Credit<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">20.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1\/ 0.4<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/\">Ferratum<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">19.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.4022<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/creditprime\/\">CreditPrime<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">15.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.99\/ 0.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/via-conto\/\">ViaConto<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.18<\/td><td class=\"has-text-align-center\" data-align=\"center\">30<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/ocean-credit\/\">Ocean Credit<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">9.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.10<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/axi-card\/\">AXI Card<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.2<\/td><td class=\"has-text-align-center\" data-align=\"center\">365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/hora-credit\/\">Hora Credit<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">70\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"author":77,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1119],"company_type":[11],"overall_rating":"2.25500000","_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/1731"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=1731"}],"version-history":[{"count":49,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/1731\/revisions"}],"predecessor-version":[{"id":80034,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/1731\/revisions\/80034"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=1731"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=1731"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_type?post=1731"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}