The personal loan is taken out with the aim of financing non-professional projects, excluding the purchase of real estate, for individuals. Sometimes, this loan needs to be obtained quickly: vacation, replacement of a household appliance, purchase of a car… How to quickly get a personal loan?
Start by comparing the offers
The first thing to do for gain in speed is to go through an online comparator. This avoids having to knock on the doors of all the banks, it’s a real time saver. Some specialized sites allow you to compare all the offers offered by the different organizations. In the blink of an eye, we discover several possibilities with regard to rates and monthly payments. But these sites are not limited to that since they also allow you to consult the amount of the application fees or the compensation in the event of early repayment. Elements to take into account if you wish to take out a personal loan. Using an online comparator is the best option to find the offer that best suits your needs in just a few clicks.
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Do an online simulation
To avoid having your loan application refused, it is advisable to do an online simulation, starting by informing the nature of the project (holidays, moving, wedding, etc.) as well as the amount you would like to borrow. That allows you to quickly realize the total amount of the credit, the monthly payments to be paid and the repayment period. Each personal loan request is carefully studied by the lending institution. Everything is checked, in particular the creditworthiness of the borrower and its filing by the Banque de France. Indeed, there are legal conditions to be able to obtain a loan, whatever it is. In addition to these, the financial criteria are added. The organizations will determine the repayment capacities by scrupulously studying the personal family situation of the applicant (disposable income, personal expenses, tenant or owner, employee or self-employed, etc.). The online simulation is ideal to better prepare for the loan conditions. It thus increases his chances of seeing his request accepted quickly. Namely: an online simulation does not commit to anything and is completely free. So don’t hesitate to take advantage of it.
The personal loan application can be made online. If the form has been correctly completed, this solution makes it possible to obtain a response as quickly as possible (48 hours on average), or even immediately in certain cases. To put the odds on your side, it is important to prepare your financing file well. A request accompanied by an incomplete file will be refused automatically, without being studied. It is for this reason that the file must be compiled with the greatest care and, if possible, in advance. Rushing is never a good thing in this kind of situation.
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The documents to provide
The documents to be provided vary according to each organization but some are mandatory : latest account statements, payslips, proof of address and identity document. A file will be more likely to be accepted if the subscriber shows himself in his best profile: for example, late payments or overdrafts are avoided in the six months preceding the application for a personal loan.
A regulated loan
The personal loan is a type of consumer credit and therefore follows the regulations. Its amount is usually between €200 and €75,000. The repayment term varies between 12 and 120 months. Unlike an assigned credit, the personal loan has a definite advantage: it is not mandatory to use it exclusively for the purchase of a specific good or service. No proof of use is necessary to obtain this type of loan.
Unlike a traditional procedure, with the personal loan, the subscriber can carry out all his steps without having to leave his home. This is a considerable advantage when you are short on time. The documents can be scanned and the contract can be signed electronically. In addition, there is no need to worry about the date or time of sending your file (unlike a request made in a bank branch) and this allows you to benefit from promotional offers only accessible in line. However, as with any type of loan, a legal withdrawal period applies (14 days). After this, if the file has been accepted, the money is paid into the applicant’s account.
To avoid scams, it is essential to check the notoriety of the site as well as its reliability. Indeed, some online advertisers offer fake personal loan solutions. Very often, they are noticed by their offers that are a little too attractive to be credible.