To meet an urgent need for liquidity or to finance an important project, an online consumer credit can be of great help. One of the advantages of this type of loan is that it can be set up more quickly than a conventional loan, provided you turn to the right establishment, but also prepare your file well.
Here is the advice of our experts in this context.
Where to quickly find consumer credit online?
To quickly find consumer credit online, it is best to contact an organization specializing in online credit. This type of establishment offers offers that are more flexible and less expensive than traditional banks. In addition, they ensure the processing of requests in much shorter delays.
Depending on the desired amount, you can indeed get a response within a few hours. In all cases, response times do not normally exceed 48 hours.
With these establishments, you can obtain up to 75,000 euros repayable over a period of up to 72 months. However, express micro-credit offers starting at €100 are also available.
Read also: Urgent credit: the solutions
Compare to find the right online consumer credit offer
No matter how urgent your project or your need for money, we recommend that you do not take a consumer loan in a hurry. Indeed, each organization has different rates and conditions. A comparison is therefore essential in order to be able to make the right choice.
The nominal rate is not a reliable indicator for comparing two or more consumer credits online. Rather focus on Global Effective Annual Rate (APR).
It is this rate that best indicates the final cost of your loan. It includes administrative costs, insurance costs and guarantees.
Save time by using an online comparator
Going through the sites of organizations that can offer you a fast consumer loan online one after the other is a tiring, time-consuming task, but also inefficient, given the multitude of offers on offer.
Rather than doing this, use an online comparator instead to quickly find cheap online consumer credit. This tool gives you access, in a few clicks, to a multitude of offers that meet your needs. Thanks to the features offered, you can make various comparisons in order to make the best choice.
Then all you have to do is click on the one that suits you best to subscribe to it. It’s free and fast !
What documents do I need to provide to obtain an online consumer loan?
In order for your online consumer loan application to be accepted, you will surely need to provide the following documents:
A photocopy of your identity card or passport;
A copy of your bank account details (RIB);
Copies of pay slips for the last three months if you are an employee or the last tax notice if you are self-employed;
A photocopy of your electricity, gas or Internet bill or any other proof of residence dated less than 3 months.
Note, however, that the exhaustive list of documents to be provided may vary from one banking institution to another.
In order to increase your chances of getting a quick positive response, present a complete file with all the required supporting documents. If it is, for example, an assigned consumer loan, you will need to provide documents justifying the nature of your project.
Read also: How to make a loan while being registered with the Banque de France