@manuel It's never been easier to get loans! If you need money but don't have the funds, you might be wondering where you can find a good loan. The first place to start is by looking at banks – not only will they already have your banking and credit information on file, making it easy for them to issue the loan and monitor your payments (making them our preferred option), but they will also often offer higher rates than other lenders.
The greater the sum of money at risk, the higher the rate you will pay – otherwise known as a risk premium. In general, if you want a large loan, you should go to a bank with more money at risk than it takes in interest – provided it does not have any more liabilities than these assets.
Banks use leverage to earn more interest on your loan and increase their profit margin. For example, if you deposited $100 in a bank and the bank loaned out 90% of it (leveraged 10%), you would earn 90% interest on $90, not $100. The bank would have the remaining $10 on their end.
In conclusion, you should go with a bank for a large loan as they will be more likely to give you a higher interest rate than other forms of lenders. Also, remember that rates can fluctuate over time depending on the market, so it is always best to shop around for the best deals.