NEO / 2026NewsCompany announcements and news.Rates28.07.20264 min readThe annual percentage rate: why it is higher than the nominal oneTwo loans at the same 18% can cost different amounts. The difference shows up not in the nominal rate but in the annual percentage rate.Repayment28.07.20264 min readHow to read a repayment scheduleIn the early months most of the payment goes to interest, not to the debt. That is not a mistake but the nature of the calculation, and the schedule shows it plainly.Credit history28.07.20263 min readCredit history: how it is formed and how to check itA credit history is a record, not a punishment. You can check it yourself, and it is worth doing before applying, not after.Safety28.07.20263 min readWhat the company will never ask you forFraudsters introduce themselves in the name of financial institutions. They are easy to tell apart once you know what is never asked.