In a world where speed has become essential, online credit has naturally imposed itself against traditional credit. An effective means in the event of a temporary need for financial contributions, its operation remains unclear for the majority of people. Back to nine key points for mastering online credit:
- Definition of online credit: history and evolution;
- The steps to take to obtain an online credit: the step by step procedure;
- Analysis of the advantages and disadvantages of online credit;
- The different possibilities for online credit: what type of loan is best suited to your needs? ;
- The documents to prepare and communicate for obtaining an online credit;
- What do we mean by online credit redemption;
- French regulations on online consumer credit;
- Practical advice to remember to contract a credit agreement online with peace of mind;
What is an online loan?
A brief credit history online
It must first of all be borne in mind that a credit is an act by which a person makes an advance of funds to another and the amount of which must be repaid within a period generally granted . Credit has a very ancient origin, even preceding the birth of money; the modern form of the loan appeared gradually from the fifteenth century and experienced a considerable boom with the expansion of banking establishments during the Industrial Revolution in the nineteenth century. Today, there are different types and families of credit depending on the destination of the funds.
However, online credit is not strictly speaking "a type" of credit but rather "a means" of applying for credit; roughly speaking, it is a loan that is obtained through the internet. Its appearance was gradually made in the field of an evolution of the subscription of a credit by correspondence.
In the past, credit applications were often long, requiring trips to the lender's agency with a lot of paperwork and other documents. The operation then slowed down all kinds of procedures for which obtaining credit was necessary, which could be dramatic when this sum was intended to pay an unforeseen expense.
Credit organizations therefore rethought the system and began to provide credit by telephone in the early 1980s. The means of applying for credit subsequently evolved in parallel with the appearance and democratization of new telecommunications technologies. This is how the Minitel has become a credit application tool; then, from the 2000s, the internet. This development has enabled lending institutions to expand their audience and save money.
This modern online credit system remains in constant flux today. Indeed, if the existence of credit application by internet is now widely existing, negotiation directly online remains a recent innovation; to this point that several credit organizations do not yet master it (this is why it is still difficult to issue a mortgage online at the moment).
Online credit is actually an identical product to classic credit. The offers and expertise are similar, which is why these two contracts obey the same legal regime.
However, the advent of online credit has made it possible to reconcile two key factors of modern service: speed and simplicity. With a simple internet connection, the potential borrower can complete the files for his application and have a precise idea of the amounts and conditions of the loan by making simulations. Connected life has accustomed us to meeting our needs as quickly as possible; and we must admit that our desires are often revealed during our free time, that is to say in the evening or at weekends. In short, at a time when traditional banking establishments are closed.
Online credit also allows better competition between the different offers, especially through the different comparison sites. Online credit therefore appears to be an efficiency factor, making it possible to obtain the best and most suitable offer.
An ever-changing evolution of online credit: the example of credit 2.0
Online credit is at the center of the evolution of telecommunications and is undergoing changes through them. The latest example: he has settled on social networks thanks to fintech, new financial companies, in particular Cedilikeme, a Mexican company. With catchy slogans (“if your friends trust you, so do we”) , they allow an individual to gain the support of his friends on Facebook to get credit.
This type of company targets a young audience, with a priori situation unfavorable to the acceptance of loans, and offers online loans for small amounts at an ultra-advantageous rate. Analyzes of borrower repayment capacity are no longer based on “credit history” but on innovative methods of determining borrowing and repayment capacity. The precise method for determining the right candidate profile remains secret but it combines several data formulas present on social networks (lifestyle, family situation, etc.). The evaluation grids also adapt to the cultural identity specific to the region in which the potential borrower lives. However, in the United States, the emergence of this type of profiling for obtaining credit online remains timid due to legislation protecting the privacy of users of social networks. However, it is clear that online credit institutions are monitoring this new method which is developing strongly on the American continent. The future therefore presages a modification of the traditional criteria used to assess the confidence that can be attributed to loan applicants.
How to get credit online?
Most major credit organizations have a similar procedure for obtaining credit online, often within days and without having to travel. There are three major major stages: request, signature & sending, receipt.
Step 1: Apply for online credit
Before even applying for a loan, you have to think about the amount that you can borrow according to your income and needs, that is to say, your borrowing capacity . Most organizations, offering ways to take out credit online, set up credit simulators . Roughly speaking, they are calculators that indicate the amount that can be borrowed according to the income of the person making the request (by this we mean the net taxable income), but also of his debt ratio which represents the amount repayments of all the loans that she has already taken out. It is a guarantee of the good financial health of the individual (NB: a good debt ratio is one that is less than 33%) .
Once the desired amount has been defined, it is strongly recommended to simulate several online credit scenarios by modulating the duration of repayments. The principle is simple: the more this duration increases, the more the cost of monthly payments, and therefore of credit, also increases. The duration must therefore be chosen according to the borrowing capacity previously defined, bearing in mind that too short a period, such as too long a period, can paralyze, in the short or long term, the entire financial capacity of the company. 'borrower. This is why it must be carefully considered thanks to the different simulators.
The simulation remains important to determine your borrowing capacity but it is only effective if it is operated on several online credit sites. This is why, once the order has been determined, it is necessary to make several online requests in order to compare the most advantageous offer in terms of price and ancillary conditions, and thus play the competition.
Online credit offers received must compare against the TEG, or overall effective rate . It represents what the loan will cost, taking into account the nominal rate of the loan (the rate applied to the amount borrowed) but also all other costs. Offer A will be more advantageous than offer B if it has a lower TEG; therefore, the nominal rate A may be higher than the nominal rate B if the ancillary costs are lower. As such, care must be taken to check what these incidental costs include, and in particular if they include insurance. Death, disability and disability insurance is not a legal obligation, but it is often imposed on the borrower by the lender because it allows the reimbursement of maturities by the insurer if one of these risks occurs. It is therefore a guarantee of security for both the lender and the borrower and must be analyzed with care when taking out credit online to avoid any bad surprises.
Once all these elements have been analyzed, it remains to determine the best online credit offer and move on to the acceptance stage.
Step 2: Acceptance of the prior offer - signature and sending of documents
At the stage of accepting the online credit proposal, two cases should be distinguished depending on the amount borrowed. Indeed, for small amounts, no guarantee is necessary, which is why it suffices to indicate its acceptance to the lender which will send in return a loan contract to be signed and returned by post, or even by post. electronically in some cases.
Several documents are conventionally requested from the borrower at this stage: an RIB, the last three payslips or the last tax sheet, a photocopy of the identity card, an invoice in the event of affected credit, etc.
However, for larger amounts, it is often necessary to travel to the place of the borrowing organization; especially for a home loan where a deposit, or even a mortgage, is necessary. Online credit, in this type of case, is then simply limited to requesting a prior offer. However, it remains a useful means of detecting the organization offering the most interesting offer and, as such, remains a rapid tool.
Step 3: Receipt of funds
The immediate acceptance of an online consumer credit offer is possible but in terms of real estate loans, it must be sent by mail or on another durable medium, in accordance with article L313-24 of the Consumer Code. .
Since 2015, and the entry into force of the Macron law, the repentance period has made it possible to revert to your online credit commitment within 14 days in the event of consumer credit. This period begins the day after the signature of the offer and is extended until the following working day if the fourteenth day is a Saturday, a Sunday or a public holiday. The formality is simple: just use the withdrawal form attached to the contract.
Please note, this 14-day period is only valid in the case of consumer credit, i.e. a credit that concerns operations other than those related to real estate and allowing the purchase of consumer goods, for an amount between 200 and 75,000 € with a repayment period of more than 3 months.
A mortgage has, for its part, a reflection period of 10 days from receipt of the loan offer. Acceptance can only be done by mail or "any other means agreed between the parties likely to make certain the date of acceptance by the borrower" (art L313-34 of the Consumer Code).
Whether the online credit has been taken out for consumption or real estate, there can be no payment for the benefit of the borrower before the offer has been accepted. However, when the online credit offer is validated, the borrowed amount can be received within 24 to 48 hours after the end of the legal withdrawal period for consumer loans.
Online credit: good or bad innovation?
The emergence and expansion of online credit follows a global movement of online ordering and management of goods and services, all made possible through further development and greater access to telecommunications innovations. The adaptation of the loan contract to the digital age is a source of important advantages:
- Speed, flexibility and comfort :
- The online application and / or subscription dispenses with the need to visit a branch and therefore to make an appointment. Although a home loan requires meeting with an advisor for the conclusion of the contract, the preliminary stages - often long and tedious - can be carried out on the Internet.
- Applying for credit online can usually be done at any time of the day and week.
- Likewise, the communication of supporting documents is done directly by electronic means.
- The lenders' response is given within a shorter period than in the case of a conventional procedure (between 24 and 48 hours are generally sufficient).
- Simplicity and ease :
- Taking out a loan online is a simple process since the potential borrower is guided from the first to the last step through intuitive platforms, with a few clicks.
- Communication takes place by phone, email, internet chat, videoconference, etc., which makes it easy to get answers to your questions.
- Online credit management can be done directly on the Internet via your personal space. This allows you to easily access your schedule and monitor your credit at all times. Changes can even be made online.
- Financial economics:
- Most of the time, fees are lower and many establishments do not charge an application fee for certain types of online credit. In addition, rate promotions are offered on a regular basis by online banks.
- Thanks to the speed and accessibility of the application procedures, it is easy to find the most advantageous offer by comparing the offers. Comparative sites specializing in online credit exist to facilitate the task of individuals. This is a major advantage of online credit since very often the applicant's personal bank does not offer the best deal on the market.
- Adjustment : Online, it is easy to adapt your needs and make several requests for free and without obligation according to your projects and resources. Online credit applications are the subject of a personalized study, thus making it possible to benefit from the best conditions specific to each person. This allows you to react quickly if you have to revise your projects downwards or, on the contrary, borrow a little more than expected.
- Forecast: The rates and ancillary costs are known at the start, from the online credit application, and allow subscribing without unpleasant surprises.
However, a loan contract remains an important commitment; the ease of underwriting can sometimes prove to be a danger. This is why we must remain vigilant on several points:
- Isolation : Online credit is usually done without contact with an advisor and can leave the borrower lost, especially if they are a senior. However, customer service is provided for this purpose to guide the person in his steps.
- Lack of security :
- The communication of personal data on the Internet must always be approached with vigilance. However, online credit applications are done in a secure manner - as such, it is important to verify that such a device is provided on the site of your choice.
- Be careful not to turn to any online lender. By careful research, it is necessary to inquire beforehand and it is even strongly recommended to opt for a reliable and recognized establishment on the market.
- Rush : The subscription to a credit line being done in a few clicks, it is easy to hastily conclude an unsuitable contract, or even unwanted. However, do not forget that a withdrawal period is provided for this purpose (see above) and that online management allows you to modify your information.
In short, a vigilant attitude helps guard against the unpleasant surprises of online credit. Specialized sites offer appropriate assistance when needed, which makes it possible to take advantage, without too much worry, of the many advantages of lending on the internet which are speed, simplicity and economy.
What are the different types of credit online?
Overall, online credit and classic credit are two identical products. However, in order to facilitate the choice of the potential borrower, it seems necessary to detail the different possibilities.
Depending on the use that the applicant wishes to make of the money made available to him by the lender, the most suitable type of online credit must be chosen. A small inventory of the main offers offered on the Internet (this list is not exhaustive):
- Consumer credit : It concerns "operations other than those linked to real estate" and allows "to buy consumer goods (furniture, computers, etc.)". Its amount is included in a range of 200 to 75,000 € for a repayment period of more than 3 months. It is actually divided into several sub-types of credit: affected credit (see below), personal loan (see below), revolving or revolving credit (see below), rental with option to purchase, free credit , the private card, the mortgage life loan, the personal microcredit or the student loan guaranteed by the State.
- Revolving credit : A type of consumer credit, it constitutes a provision by a financial institution to a borrower, for a period generally limited to one year, but renewable, of a sum of money that can be used in full. , or in part, and allowing withdrawals to be made against payment of interest. The available capital is therefore reconstituted as and when repayments are made. Most financial institutions offer online revolving credit offers without proof of use for an amount generally up to € 4,500 or € 6,000.
- Affected credit : It is possible to subscribe to an online credit for the use of a specific purchase. It can be a movable good (for example a car loan, a loan to buy a television) or a service (for example a travel loan). It is then necessary to justify the use of the sum subscribed for the planned purchase, generally by producing an invoice or an estimate; but this type of credit often offers better rates than in the case of an unaffected loan. If the sale does not take place, the credit agreement is automatically canceled; in addition, the withdrawal period after signature remains 14 calendar days.
- The personal loan : The borrower is free to use the amount of the credit online as he sees fit, whether it is to buy a consumer good (the personal loan is then a type of consumer credit) or another benefit. The rate, the duration, the amount of the sums granted, the mode of repayment vary from one lender to another. The withdrawal period is once again 14 calendar days from the signing of the contract.
- Real estate credit : It concerns the purchase transactions of a building for residential use, or professional and residential use, or even land intended for its construction. It may also concern other ancillary services if the amount is greater than € 75,000. An online loan application of the real estate type is possible; nevertheless, its subscription requires in principle a meeting with an advisor in view of the large amounts and specific procedures related to this type of credit. In addition, it is subject to a strengthened legal regime.
Therefore, there are as many types of credit online as there are possible uses and needs of the loaned amount. It is important to know the different possibilities to choose the one best suited to your needs before taking out a loan on the Internet.
What supporting documents do I need to provide for obtaining credit online?
In order to ensure the good financial situation of the borrower, most online credit organizations require a list of similar supporting documents. Mainly requested:
- A photocopy of both sides of the borrower's identity card;
- A bank identity statement (RIB);
- A photocopy of proof of income, either one or more payslips for employees, or a photocopy of the last tax notice for others;
- (Sometimes) photocopying of telephone subscriptions;
- (Sometimes) the photocopy of the property tax;
- An estimate, an invoice or a purchase order for the goods purchased, in particular for the affected credits;
All these documents make it possible to justify the capacity of the applicant to repay his credit. Analyzed by lending organizations, they make it possible to avoid any situation of non-payment and over-indebtedness.
In case of subscription to a personal loan, the use of the sum of money being free, there is no need to justify its allocation. However, the lender requests a classic loan application file to ensure the borrower's financial situation . Please note, the absence of proof of use is not synonymous with the failure to provide certificates on personal finances . But there are types of credit online without proof of income; these have multiplied since the beginning of the 2010s for consumer loans. They allow you to borrow a fairly large sum via a personal loan, without proof of salary, and are very useful in case of urgent need of money. However, these loans generally display high interest rates in order to offset the risk taken by the financial institution. Since the Lagarde law of 2010, which fixes new securities at the entry of credit, the lender has the obligation to check the creditworthiness of the borrower. This is why the online credit application without supporting documents requires certain proofs. They remain optional for loans of less than € 3,000; but compulsory for larger amounts. This is why a payslip or a tax notice is often requested in this case. However, it remains possible to offer guarantees to the lender by other means, in particular by designating one or more guarantors or a pledge. Online credit can then be seen as a supplement to income, which is what public bodies are trying to fight against by passing recent laws strengthening consumer protection. This type of loan is actually a reaction of financial institutions to the rise in unemployment, intended to compensate for the increase in bad debts on loans already taken out by increasing the number of contracts taken out.
What do we mean by online credit redemption?
Online credit redemption allows a financial institution to buy back the loan granted by another initial borrower . It generally makes it possible to obtain better conditions than those originally obtained, whether it be a more favorable rate and / or a shorter repayment period. It gives rise to a new contract and makes it possible to act as if it were a first loan.
However, an online credit redemption is not free. It is generally necessary to provide for early repayment indemnities from the original borrower and administrative costs related to the subscription of the new loan. This is why a renegotiation of the initial loan is often more advantageous and easier, in particular in the context of online credit by managing your file on the Internet via your personal space.
It can also constitute a consolidation of loans, or restructuring of debts, when it allows several loans to be grouped into one; the borrower then pays only one monthly payment. It is a solution to improve your finances or adapt to an upset personal situation (changed family situation, such as a divorce; transition to retirement; ...).
Concretely, you have to submit a request to an organization - a procedure that can be done on the Internet via an online credit redemption. After studying the file, the latter can decide whether or not to accept the request. A file with sufficient supporting documents must generally be established. The counterpart is the uniqueness of the loan, the rate, the schedule and the repayment. Two main advantages should be noted:
- Comfort: A single commitment with a single financial institution;
- Economy: Online credit redemption allows a drop in monthly payments of up to 60%!
Warning! Although online credit redemption is attractive and offered by many organizations, it still requires a guarantee by the surety of a third party or a surety organization, or even a mortgage. This is largely justified by the risk taken by the new lessee who recovers all the old loans, especially since such an operation is often the consequence of upheavals in the lessee's personal situation. As such, lending organizations allow a maximum debt ratio of 42%, or sometimes even 40% ( remember once again that the debt ratio makes it possible to verify the ability to meet the loan maturities; it is generally requested that it be less than 33% and represent the share of loan repayments out of the total budget ).
The borrower should, however, be sure to think properly beforehand. In fact, although savings are made in the short term by reducing monthly payments, the repayment period is correspondingly longer and therefore the total cost of the loan greater; especially since there are generally significant costs. Also, the security provided by the mortgage is very dangerous: the property can always be lost.
A brief overview of the most advantageous online credit offers
In order to study the most advantageous online credit offers, we must distinguish according to the type of loan desired. The following results come from a study of the EspaceCrédit.com comparison and have been refined thanks to several other sites such as New Buryday Lilies…
Remember that the comparison between the different offers must always be made according to the TEG (overall effective rate), and more particularly here the APR (annual percentage rate) , which represents the real cost of the credit contracted and not only the rate of interest.
It should also be noted that the vast majority of establishments offering online loans do not charge application fees.
As of August 29, 2016, the most advantageous online personal loan offer was offered by Cofinoga (Compagnie Financière des Nouvelles Galeries), a brand that appeared in 1968 and quickly established itself as one of the leaders in consumer credit. . For a personal online credit of € 5,000, it offers a fixed APR from 1.79%. Thus, the real cost of the loan comes down to less than 90 €. In comparison, most of the other lenders qualified as advantageous offer an average APR of 2.73% or a cost of € 136.50.
If the lender Cofidis offers an attractive product for a short repayment period (2.92% APR), this is not the case if you want to calibrate your monthly payments over several years since the real cost of online credit is soaring. correlatively.
The Cetelem company, represented by its famous little green man, remains an important player in this area. It has the main advantage of offering an almost identical APR (from 4.4%) for a repayment period of between 12 and 36 months. This detail is not negligible if you wish to renegotiate the duration of your initial online credit agreement.
At the same period, online auto credit offers have an average APR of 2.73%. The simulation concerns an allocated loan of € 15,000 over a minimum period of 12 months. Most large companies - Cetelem and Cofinoga, among others - offer an APR from 1.79%, the lowest rate on the market. Attention aux mauvaises surprises, certains établissements proposant un taux d'intérêt relativement bas mais un TAEG maximal de 4,40%.
Au 12 septembre 2016, les demandes de crédit en ligne affecté à des travaux ont obtenu un TAEG moyen de 2,75%. Les meilleures offres restent, encore une fois, les grandes sociétés leaders sur le marché: Cetelem et Cofinoga proposent en effet en TAEG de 1,79% pour une somme empruntée de 15000€ remboursée sur 12 mois. Encore une fois, le TAEG maximal recensé auprès des établissements les plus populaires s'élève à 4,40%.
Les sociétés Cetelem et Cofinoga restent, aux vues de cette étude, les établissements prêteurs les plus avantageux du marché du crédit en ligne. Outre leur réputation, gage de sécurité pour les emprunteurs, elles offrent des taux relativement bas par rapport au reste du marché; cette tendance s'accentue en cas de prêt d'une somme d'un faible montant. Néanmoins, la comparaison doit toujours se faire au cas par cas. Ce recensement ne correspond qu'à un sondage a priori. Une préférence peut néanmoins être accordée à la société Cetelem dont les taux ont tendance à varier de manière plus douce avec l'allongement de la durée de remboursement.
Quels sont les protections que m'accorde le droit français en matière de crédit en ligne?
Face aux évolutions du monde bancaire, et notamment de l'apparition du crédit en ligne, le législateur français a apporté des solutions dans un souci de protection du consommateur et de l'utilisateur d'internet.
Concernant le droit de la consommation, principalement codifié dans le code de la consommation, les principales règles en vigueur datent des lois Scrivener de 1978 et 1979. Plus récemment, la loi n°2010-737, portant réforme du crédit à la consommation (plus communément appelée loi Lagarde) a transposé une directive européenne permettant notamment à l'emprunteur de choisir librement l'assurance de son prêt et créant le TAEG. La loi n°2014-344 relative à la consommation (ou loi Hamon) a permis de «rééquilibrer les pouvoirs entre consommateurs et professionnels».
Cette réglementation du droit de la consommation définit clairement le crédit à la consommation. Elle pose des délais précis, notamment un délai de réflexion de 15 jours minimum pendant lequel le prêteur doit maintenir les conditions de l'offre de contrat de crédit afin de permettre au consommateur de l'examiner; aussi rappelons le bénéfice d'un délai de rétraction de 14 jours calendaires pour le consommateur suite à la signature de l'offre du contrat de crédit - il peut donc librement annuler son engagement durant ce délai. Les pouvoirs publics ont également défini un taux d'usure, c'est-à-dire un taux plafond qu'ils définissent et qui ne peut pas être dépassé sous peine de sanctions. Ces taux sont publiés chaque trimestre au Journal Officiel. Elle prévoit enfin l'attitude à avoir en cas de défaillance de l'emprunteur puisque le prêteur peut demander le remboursement de la somme restant et des intérêts non payés, voire rééchelonner les sommes.
Plus spécifiquement, en matière de crédit en ligne, s'applique la loi Informatique & Libertés du 6 janvier 1978, modifiée en 2004. Elle fixe les conditions de la collecte d'informations nominatives, dont celles demandées pour l'étude de la demande de crédit à la consommation. Elle offre notamment un droit d'accès au particulier qui peut demander une copie des informations à caractère personnel. L'établissement proposant le crédit en ligne est obligé légalement de restituer les informations détenues dans les fichiers concernant l'emprunteur, et ce de manière claire et précise. Bien que ce droit puisse avoir un coût financier, il s'avère utile pour contrôler l'exactitude des informations le concernant. L'effectivité de cette mesure est d'ailleurs assurée par un droit à la rectification, voire à la suppression. En cas de difficultés, le particulier peut saisir la Commission Nationale de l'Informatique et des Libertés (CNIL) qui peut lui donner les renseignements nécessaires pour régler le problème, même en l'absence de litige.
Il faut noter que l'Union européen, dans son objectif d'unification économique entre les états membres, offre une réglementation de plus en plus tolérante en matière de prêt européen. Ceci est facilité par le crédit en ligne puisqu'il est désormais aisé d'ouvrir un compte dans n'importe quel pays membre et de bénéficier de taux de crédit plus avantageux. Cependant, il faut faire attention car les établissements de crédit définissent des notes spécifiques à chaque pays en fonction de leur situation financière. Dès lors, un crédit en ligne plus avantageux à première vue peut en réalité avoir un coût réel plus élevé.
En résumé, les conseils à ne pas oublier avant de souscrire à un crédit en ligne
Les offres de crédit en ligne ne manquent pas. Il est aujourd'hui facile d'emprunter de l'argent et de recevoir la somme sans avoir à bouger de chez soi. Néanmoins, afin d'éviter les pièges, un bref récapitulatif des principes essentiels à ne pas oublier.
- Identifier ses besoins et l'affectation de la somme empruntée
La première étape, avant d'effectuer sa demande en ligne, est de définir clairement le projet envisagé et la somme nécessaire pour y parvenir.
Prenons un exemple pour démontrer ce principe: Un particulier cherche à souscrire à un crédit en ligne pour l'achat d'un véhicule. Gardant à l'esprit que son taux d'endettement doit rester inférieur à 33% pour pouvoir être à même de rembourser son prêt, il considère qu'une somme de 12000€ lui sera suffisante et il envisage une durée de remboursement de 36 mois. S'il se dirige vers un crédit en ligne de type «prêt personnel», non affecté dont il pourra disposer librement, le TAEG moyen sera de 3,27%. Par contre, s'il définit clairement son besoin et étudie son projet pour n'emprunter que pour le paiement de son véhicule, un crédit auto pourra lui permettre d'avoir un TAEG moyen de 2,64%, soit des économies sur le coût réel du crédit en ligne pour une somme empruntée et un délai de remboursement identiques.
- Effectuer plusieurs offres et les comparer grâce aux simulateurs en ligne
Toutes les sociétés de crédit en ligne proposent des simulateurs susceptibles d'être affinés par de nombreux critères pour coller au plus près de votre situation personnelle. Faciles d'utilisation, ils permettent de trouver facilement l'offre la plus avantageuse et de faire jouer la concurrence.
Attention: Lors de vos simulations de votre crédit en ligne, veillez à demander la même somme à emprunter ainsi qu'une durée de remboursement similaire. N'oubliez que seule la comparaison des TEG est utile car ils correspondent au coût réel du prêt.
- Apprendre à lire entre les lignes pour connaitre les conditions précises d'engagement
Ces dernières doivent expressément figurer sur le contrat depuis les lois de 2010 et 2014: somme exacte empruntée, durée d'emprunt, modalités de remboursement avec échéances de paiement, coût total du crédit (comprenant les intérêts et le TEG!) - ces mentions sont détaillées à l'article R312-10 du code de la consommation. A ce titre, restez vigilant sur l'existence, ou non, d'une assurance décès, incapacité, invalidité dans l'offre de crédit en ligne proposée. Bien que facultative en matière de prêts à la consommation, elle reste très utile et fortement recommandée mais n'est pas incluse directement. Son contenu doit être étudié avec soin, d'autant plus qu'en matière de crédit en ligne de nature immobilière, l'assurance décès est devenue obligatoire en pratique. Cependant, l'emprunteur n'a aucune obligation de souscrire à l'assurance proposée par le prêteur. Bien qu'elle puisse être exigée, il reste libre d'avoir une assurance équivalente auprès de l'assureur de son choix depuis la loi Lagarde de 2010.
- Ne pas hésiter à contacter un professionnel spécialisé en cas d'incompréhension et rechercher la solidité du prêteur
Outre l'existence des services clients sur les espaces en ligne des établissements financiers prêteurs, de nombreux professionnels (courtiers, comparateurs) sont à votre service pour vous aider à toutes les étapes de votre demande, même dès la détermination de vos besoins.
La réputation d'un établissement financier offrant des crédits en ligne n'est pas à négliger. N'hésitez pas à contacter des associations de consommateurs à ce sujet.
Attention à deux types de fraudes courantes en matière de prêts sur le net: le crédit entre particuliers et le rachat frauduleux de crédit par des sociétés de crédit en ligne déguisées en fausses associations de consommateurs. Les coordonnées de chacun de vos interlocuteurs doivent donc être vérifiées avec soin; d'autant plus lorsque vous communiquez vos coordonnées bancaires.
En bref, recherchez vos droits avant toute démarche et n'hésitez pas à les faire respecter. Le gouvernement français et les associations de consommateurs mettent en ligne de nombreuses fiches informatives et pédagogiques permettant de déjouer arnaques et mauvais plans.