Black Friday has already started and many Spaniards go shopping for a large part of the year during this day, which offers significant discounts. However, it sometimes happens that there are a lot of things to buy at very juicy prices and the money does not arrive, which is why many Spaniards resort to credit. More precisely, the 22% Spaniards who normally resort to financing will apply for a loan during Black Friday, while a 30% choose to pay for these purchases in several timesaccording to Asnef.
Black Friday has already established itself as the third date that consumers use the most to finance their purchases. A date which is only behind summer holiday purchases (32%) and Christmas purchases (32%).
Cheapest personal loans
The preferred options for financing these expenses are credit cards and personal loans, and choosing one or the other can mean paying more than double the interest.
Personal loans They are cheaper than credit cards. Thus, a user who wishes to finance an expense of 1,000 euros over 12 months would pay an average interest of 7.44% of the TIN with a personal loan, while he would have to assume a TIN of 18.12% with a credit card , which amounts to paying 144%. % more. Concretely, buying in several installments with a credit card would amount to paying the bank 100.85 euros in interest, compared to 40.75 euros for a personal loan.
By age and LACC
As for the people who buy most often on Black Friday, there are those who fall between 25 to 44 years old. In addition, in this age group it is remarkable that they make more loan requests on dates like summer and Black Friday.
By area of Spain, certain regions tend to request more credits and loans on these dates. In this case, the areas of Leverting These are the territories of Spain in which financing and credit are used the most (30%) during Black Friday. Behind them are the southern zone of Spain (23%) and the northeast zone (23%), according to Asnef.
Online shopping on Black Friday
Likewise, this study also indicates that a 65% of those surveyed prefer to do their online shopping for a date as important as Black Friday.
Therefore, Black Friday has already established itself as the day when the Internet is most used as a purchasing channel. Furthermore, 75% of those surveyed admit to using the online channel several times a month.
