Fast online credit
Online credit is done with an online bank. Online banking, in general, differs from traditional banking by the simple fact that it does not offer a physical establishment to its customers. So, for example, having the ability to track your accounts online has nothing to do with whether the bank in question is online or traditional.
Online Credit Application: A Faster Solution
One of the many advantages of online banking is that it is particularly fast. This advantage is valid when it comes to the opening of an account, the processing of a file or an interrogation, but also when it comes to making a request for credit, to obtain it. , and follow it.
The online loan application is done via a web page, or an online form, which you only need to fill in a few minutes. These pages are accessible 7 days a week, 24 hours a day. To obtain the credit best suited to your needs quickly, it is advisable to make several requests, with several different establishments, at the same time. Thus, we get several answers that we can then compare. Here, requesting a loan via the internet will allow you to request a maximum in record time for even more speed.
Although the supporting documents and documents to be provided as part of a credit application are the same for a traditional bank as for an online bank, it is faster to communicate them via an online request since they can simply be scanned. and sent by email. Following a request, the response of an online bank will be very fast (some communicate on response times of only 24 to 48 hours) whether it is a refusal or an agreement. If a file is accepted, funds are obtained in less than 15 days.
In addition to the speed of processing of files, online banks have many advantages such as reduced administrative costs, or even often absent, ease of implementation and monitoring for the applicant, and security equal to that of 'a traditional establishment.
Online customer support: an increasingly responsive service
When online banks arrived on the market, the first obstacle for users was the loss of human contact. Indeed, when you go through an online bank, you are not affiliated with a single advisor. However, since all this time, online banks have succeeded in building their nest and demonstrating the effectiveness of their customer service.
Today, online banking customer services are very responsive, much more responsive than if you only have one advisor, available over a wider period of time, and reachable through more channels. In addition to being reachable by email and phone, many online banks have set up an online chat service to be able to contact an advisor at any time. This is a real plus when it comes to getting a quick response.
This responsiveness in no way affects the quality of service, since, unlike a traditional bank, online banks have several call centers, specialized by theme for their customer care. Thus, the advisers are different depending on the subject addressed, they are real specialists, not to be confused with a generalist advisor.
For even more speed, choose a credit without proof
If you need a loan in the shortest possible time, you will be advised to find out about a loan without proof. This is an online personal loan. You can borrow up to € 75,000 and will be exempt from any justification concerning the use of funds advanced by the credit organization. By the simple fact that it does not require as many documents as another credit (the affected credit for example), the credit without proof gives you a speed of implementation and a freedom that you will not find elsewhere. The procedures are simplified: The procedure, administrative formalities and prerequisites are greatly reduced. This type of loan concerns consumer loans only.
Please note, a credit without proof does not mean that you will not have to justify your income. Your financial situation must be justified, unlike your plans for the use of credit. As a reminder, any financial institution, whether it is an online bank or not, must assess the solvency of their customers and the risks of over-indebtedness linked to the advance of funds. For this, you will always be required to provide a minimum of documents during your request.
For a loan of less than € 1000, you can also apply for a mini-credit. This is an extremely fast loan for which some brands promise you a response within 10 minutes and a disbursement of funds within 48 hours. Please note, a mini-credit must be reimbursed within 14 to 30 days following the payment. This type of loan can be used, for example, to pay for professional training, health costs, or to deal with a possible unforeseen event.