Personal loan without proof
The personal loan without proof is a fixed rate loan which will allow you to have an amount of up to € 75,000 and to be repaid within 5 years. The payment of the sum is done in one go. The personal loan without proof exists to allow all projects to materialize.
What can he finance?
In reality, the personal loan without proof can finance everything. You can have the funds paid freely, without justifying the slightest purchase, hence its name of personal loan without proof, also called credit without proof .
This loan is in opposition to the affected credit. The allocated credit is directly linked to the purchase of a good: The amount paid depends on the amount of the planned purchase and is only reserved for this purchase. The Beneficiary is also required to provide supporting documents (upstream estimate and invoice afterwards) to the credit institution. In the context of a personal loan without supporting documents, the user is much more free.
For example, there are personal work loans, personal auto loans, personal leisure loans, and personal cash loans. Here, the personal loan without proof allows you to spend the money paid as you see fit. We can easily imagine wanting to dedicate this money to several uses or even consider using it to deal with an unforeseen event, which is often the case.
What conditions must be fulfilled?
Any loan organization, when applying for credit, assesses the solvency of applicants. In order to prove your repayment capacity, you will need to communicate your personal information to the organization:
- Show that you have a stable job (the organization will be interested in your function but also in your seniority)
- Provide proof of your income (with your last 3 pay slips, but also proof of other possible income)
- Give visibility on your purchasing behavior (thanks to the bank statement of your last 3 months, the organization to get an idea of your expenses and your actions)
- Allow the organization to study your savings capacity by giving it visibility on your fixed costs
- In addition, the credit organization will check that you are not registered with the Bank of United States (it is extremely difficult to obtain an interesting credit if you are prohibited from banking).
To ensure that you get a loan on the best possible terms, it is recommended that you contact several bank lending organizations and even go for one or more simulation (s) online. You should know that the rates can vary a lot depending on the organization.
Good to know: Be careful that the amount of the sum to be reimbursed does not exceed one third of the overall income.
To obtain an offer ideally suited to your needs, it will be important to provide supporting documents related to your repayment capacity and not to the use of funds of course (pay slip, proof of address, tax sheet, etc. ).
After acceptance of the file, the money will be transferred to the beneficiary's account within 48 hours. Although this period is very interesting, it is still important to take your time before subscribing to a personal loan without proof to ensure its ability to repay everything without payment incident. To help you, many personal loan comparators are available on the web.
What happens in case of refusal?
If your request is rejected, you can always appeal to the CNIL (National Commission for Informatics and Liberties) which will be able to take stock of your situation. The CNIL begins by questioning the credit organization which refused your request by asking for your score. When assessing the solvency of an applicant, the requested body must note the file it has in its hands according to a common evaluation grid (solvency, risk, profitability, etc.).
After having retrieved its information, the CNIL will also consult the FICP (File of incidents of repayment of loans to individuals). Depending on all of its information, the CNIL will decide whether or not you can have a loan.
In conclusion :
A personal loan without proof includes many advantages: Very free use of funds without proof, total financing without obligation to contribute, easily negotiable conditions (date of withdrawal, management of monthly payments, suspension of payment of 3 months, early repayment - partial or total), rapid implementation and a fixed and guaranteed rate.
The main and only real drawback is that, if you intend to mainly dedicate this loan to a specific purchase, be aware that in the event that the purchase is not made, the loan will still take place. You won't be able to go back. The same applies if the good purchased turns out to be defective. If this inconvenience is prohibitive to you, you will be advised to inquire about the affected credit.
In addition :
Any request for credit generates processing fees which correspond to the study of your request. Thus, be aware that a file well prepared in advance can lead to a reduction in the costs of the file. To do this, we will advise you first to find out about the amount of the fees before asking what the possible reduction will be if you prepare the file upstream. Depending on the response from your interlocutor, you will know what to do. Also, to obtain a personal loan at the best rate , remember to present a complete file and to inform yourself of the offers available on the market in order to play the competition.