The creditor is the one who issues the loan, so the receiver is called the debtor. The reimbursement rate through which you add an interest rate that is the proceeds from the lender.

The rates applied to the loan may be fixed or variable rate depending on the type of contract or upon the financial market. The fixed rates are independent of the market for this and have slightly higher rate variables, which are influenced by changes in economic / financial.

Small amounts are not provided for specific terms and now the funds are granted to people who have had seizures or have negative experiences in this regard. For larger amounts are being set some minimum clauses, to which not having to incur heavy fines, and require a valid credit reputation together with a minimum guarantee on the funding of the total.