Folkia - en dålig utväg
Om lönen är slut innan räkningarna är betalda kan Folkgirot tyckas vara en lockade utväg. Men se upp! Det kostar mer än det smakar.
Folkgirot är senaste tjänsten från smslåneföretaget Folkia. Du lämnar över dina obetalda räkningar (upp till 5 000 kr) och Folkia betalar åt dig. Själv behöver du inte betala förrän upp till sex veckor senare. Att skjuta på en faktura i sex veckor innebär en effektiv ränta på knappt 2 000 procent. Jämför det med ett banklån.
Som exempel kostar det mer än 400 kr att låna 1 000 kr i sex veckor via Folkgirot.
En mycket bättre lösning är att prata direkt med fordringsägaren. Har du inte betalt mobilfakturan kan du alltid börja med att kontakta mobiloperatören och be att få skjuta på betalningen. Läs mer i inlägget Så undviker du smslån.
DN har också tagit upp problematiken
Tags: dyrt, effektiv ränta, folkgirot, folkia, ocker, smslån, varning
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