Many projects may require significant funding, which is not necessarily accessible to everyone. A consumer credit can be an interesting solution to finance your needs and there are some tips to help you get a personal loan quickly.
What is quick credit?
A personal loan is a type of consumer credit that allows the borrower to have the amount loaned as he wishes, without having to provide proof of its use to the lender. Quick credit can be used to finance a consumer good but also services of all types. It is a loan that can range from 200 US dollars up to a maximum of 75,000 US dollars (which is the ceiling for a consumer credit) and whose borrowing period must be a minimum of 3 months. Repayment is made in monthly installments most of the time. The maximum duration may vary from one organization to another, but it generally cannot exceed 7 years (84 months). The rate of a fast personal loan also varies according to the different lenders who can fix it freely provided that it does not exceed the rate of usury which is the maximum legal rate that can be applied to a consumer credit ( it can be found on the Bank of United States website). The rate of wear varies depending on the amount borrowed and changes quarterly.
The conditions for granting a quick personal loan as well as the repayment terms also depend on the bank or institution specializing in consumer credit chosen. Various fees may be added to the total cost of credit, depending on the different lenders.
The lender must communicate certain information to the borrower before signing the contract. This information includes: the cost of credit as well as the conditions for granting the rapid personal loan, the duration of the contract, the amount and the number of maturities, the total amount owed by the borrower, the amount of application fees, the APR (annual percentage rate of charge), the existence of a withdrawal period, compensation in the event of late payment, the conditions for early repayment.
The prepayment of a quick personal loan can be done at any time by the borrower, in part or in whole. This can happen if it has a timely inflow of money. However, this action may generate additional costs specific to the credit agreement. No compensation will have to be paid if the amount of the quick personal loan is less than 10,000 US dollars, according to the Consumer Code.
The withdrawal period following the signing of the rapid personal loan contract is 14 calendar days.
During the rapid repayment of the personal loan, the borrower can possibly carry out a deferral of maturities if he ever finds himself in a situation of financial difficulties. The reimbursement is then suspended at a later date. Usually, a quick payback for a personal loan is possible twice a year. However, such action lengthens the term of the loan and, therefore, increases the total cost of the loan.
As regards the insurance of a fast personal credit, it is not obligatory, it is up to the borrower to choose whether he decides to insure his credit or not. The bank or the credit institution can nevertheless refuse to grant the loan if it does not subscribe to it. However, if the borrower decides to take out insurance, he is not obliged to do so with his lender but can just as easily contact another establishment, which could possibly have a more advantageous offer. to ensure a quick personal loan.
A quick personal loan can allow the borrower to meet all types of expenses. He can use it to acquire a consumer good as well as various services. This could be, for example, a new vehicle or capital goods (a washing machine, computer equipment, etc.). The borrower can just as easily use the amount borrowed to finance a trip, as well as the costs related to an event such as a wedding for example but also redevelopment work, study costs ... The choice is vast with regard to the use of a quick personal loan. It can also help with unforeseen expenses such as medical expenses, taxes or a divorce for example.
The borrower can even, if he wishes, use his quick personal loan to finance several projects at the same time. In any event, whatever the nature of his projects, he will not need to justify the use of the amount borrowed from the bank or the establishment specializing in consumer credit with which he subscribes to a quick personal loan.
What is the difference between an affected loan and a quick loan?
The main difference between an assigned loan and a quick personal loan is the assignment of the loan. Indeed, the rapid personal loan, as mentioned above, does not necessarily have the objective of financing the purchase of a specific good or service but can be used to cover various and varied expenses. It allows the borrower to freely dispose of the amount of credit paid into his account without having to provide proof of use. Conversely, the affected loan is a consumer credit which is linked to the purchase of the object or the service for which the borrower contracts it. Thus, the latter must provide proof of his expenses, that is to say, for example, an invoice or a quote. Unlike the fast personal loan, the affected credit allows the borrower to have some protection in his purchase. Indeed, if a problem arises with the sale (if it is canceled for example) or if the delivered object is defective, this will inevitably lead to the cancellation of the affected credit and thus, the borrower will not have to make refunds. On the other hand, in the context of a quick personal loan, if for example, the sale does not go as planned, the borrower will still have to repay the borrowed amount.
In an affected loan , most of the time, it is the seller that the borrowed funds are paid directly while for a quick personal loan, it is the borrower who receives them in his account. Thus, if ever the sale made thanks to the affected loan is canceled, it is up to the seller to return the funds to the bank or the institution that granted the loan. Likewise, if ever the borrower had already started his repayments by monthly installments, the seller must return the sums he has paid. Also, if ever the borrower is refused the granting of the affected loan, he will not be obliged to continue his purchase.
Thus, faced with a quick personal loan, the affected loan still represents a certain security for the borrower, but not only that. It also represents a guarantee for the lender since the loan is linked to the purchase of a specific good or service. Therefore, given the risk incurred by the lender, the applied rate of the rapid personal loan (annual percentage rate) will often be higher than that of an affected loan taken out with a bank or an institution specializing in consumer credit. However, it should be noted that an affected loan contracted directly at a point of sale risks, on the contrary, to present a higher APR than that of rapid personal credit.
Since the borrower does not have to provide proof of the use of the borrowed sum, the conditions for accepting a quick personal loan are also stricter than those for an affected credit. However, it should be noted that the fast personal loan has a clear advantage over the affected loan which is the flexibility it can offer since the amount borrowed is not allocated to a specific purchase.
Go through your bank or a broker for a quick loan
To get a quick personal loan, you can go to the lender of your choice. This can be a bank or an institution specializing in consumer credit. You can contact your banker directly with whom you have a special relationship since he knows your situation. This can be a good solution to get a quick personal loan. However, if you don't have a file that works in your favor or your relationship with your bank is not necessarily favorable, it will be more difficult for you to obtain a personal loan quickly.
If you do not want to go through your bank and if you want to have a view of the different offers on the market to get a better rate on your quick personal loan, you can also use a broker who will eventually help you find the most suitable offer. more advantageous and which best suits your needs. However, this is a service that will incur costs, in the form of a commission on the amount you will borrow. Note that this still represents a certain time saving since the broker will do all the research for you.
Have a good record to get quick credit
You should know that whatever lender (whether it is a bank or an agency specializing in credit) that you choose, you can be refused the granting of the fast personal loan if ever he considers that your repayment capacities present a certain risk for him. This may be the case if your salary is not high enough to cope with repayments of the amount you wish to borrow or if you are in a professional situation which is not necessarily stable (temporary work, CDD, etc.). It is the evaluation carried out by this lender that will be decisive in your obtaining a quick personal loan since each organization can set its own conditions for granting credit.
So, if you want to get a personal loan quickly, it is important to first take stock of your situation and your ability to repay a loan.
To start, calculate your debt ratio which is the ratio between your monthly charges (including other credits that you may have in progress) as well as your income. You will be very unlikely to get a quick personal loan if your debt ratio exceeds 33%, in which case banks generally do not accept loan applications (this is the case for all consumer loans) . However, some credit organizations can accept a quick personal loan application in a debt situation greater than 33% but it is not advisable to take a loan in such a case since its repayment can quickly become cumbersome and you lead to a situation of over-indebtedness.
If it turns out that your debt ratio is too high, you can apply for a quick personal loan over a longer period, which will reduce your monthly payments. However, it should be remembered that this will make the total cost of credit higher.
To take stock of your situation, you will need to bring certain essential documents that will allow you to study your file. Among them are your last bank account statements (make sure you have not been overdrawn recently as this could work against you), your last payslips, your last tax notice, the amortization tables of your current loans. Do not try to cover up certain information as lenders are required to verify all information you give them, any omission or attempted deception may result in penalties.
It will also be very difficult for you to obtain a quick personal loan if you are banned from banking or registered with the FICP (file of incidents of repayment of loans to individuals).
In short, if you want to get a personal loan fast, having a good record is essential. If you are in a stable personal and professional situation, with a low debt ratio as well as a high remainder to be lived and your banking situation does not present any irregularities, you will have no trouble obtaining a quick personal loan. , regardless of the lender to which you turn.
Do not hesitate to send your file and apply for credit simultaneously to several banks and / or institutions specializing in credit in order to benefit from several offers and have the choice for your fast personal loan.
If you present a complete file and sufficient income, the various organizations, each more competitive than the other, will often offer you a 24-hour credit without proof .
Take the online steps for a quick personal loan
Nowadays most banks and establishments specializing in consumer credit allow you to obtain credit through their website and by making an online application. This offers the borrower a considerable saving of time since he can carry out these procedures while staying at home, without having to go to a lender and without having to make appointments with advisers (which can waste a lot of time). Applying for a quick personal loan online has many advantages, due to its simplicity and convenience. In fact, it only takes a few minutes to complete your file and send your quick credit application to the lender. All this while keeping your data confidential thanks to the secure system of online banks and credit agencies. The fast online personal loan can also allow you to perform several credit simulations for free and without commitment, without leaving your home.
The response to demand is also fast. Usually, based on the items declared, an immediate policy response will be given to you, which will let you know if you can access the fast personal loan. Most of the time, you will also be able to track the progress of your personal loan quickly online once the lender has decided to grant it to you. Likewise, you can request to make changes if necessary. You will generally benefit from full assistance in establishing your personal loan file quickly and will have all the necessary information to be able to take the time to think about your future engagement with the lender.
One of the advantages of the fast online personal loan is also the fact that you can make your request at any time of the day, the opening hours of banks and credit agencies not needing to be taken into account since you do not have to go there.
In addition, the proposals that you can find on the internet are often more advantageous than those that you could find by going to banks or credit organizations. There are many promotions among the offers that can be found online.
However, applying for a quick personal loan online can still have some disadvantages. Among them, we find the impossibility of a physical meeting with the advisor responsible for your credit application. If you ever have specific questions or need to make certain requests specific to your situation, it can be difficult to do so with only access to the various online features. However, you will still be able to phone customer service or, possibly, open a chat window on the lender's website. This can help you in your steps for a quick personal loan.
It should also be noted that although it is possible to find advantageous proposals, online offers are not necessarily cheaper than those you might find by going there and negotiating during a quick personal loan application. online is more difficult than during a meeting with an advisor.
Remember to do your research before applying for a quick personal loan.
Another disadvantage of the fast online personal loan is the fact that the offer you will see during your credit simulation will generally be different from the offer you will receive afterwards. Indeed, the rate of the fast personal loan offer that will be offered to you will be adapted to your profile as well as your professional situation. If you decide to do your paperwork online, pay attention to the difference between the rate obtained during the rapid personal loan simulation as well as the one that you will be offered and do not hesitate to ask for explanations from an advisor. the lender if necessary.
If you want to reduce as much as possible the time to obtain your fast personal loan, make sure that your credit application is as complete as possible and includes all the information necessary to process your file as well as the supporting documents required for its study. A solid case, a stable situation with a fixed income, remain the most important points in obtaining a fast personal loan.
Use an online comparator for a quick personal loan
If you want to get a quick personal loan, it can be useful to use an online credit comparator. It is a tool that will allow you to obtain an overview of the different offers on the market so that you can quickly find the one that will best meet your needs and your expectations. As online comparators do not all display the same quick personal loan proposals, it may be interesting to use several credit comparison sites in order to access the most advantageous offer. However, remember to take certain precautions before using a comparator. First of all, these sites must be completely free and without obligation, beware of those who would possibly offer you paid services. A credit being a significant commitment, it is better to carry out your research on recognized sites, which you can completely trust. Also consider using sites with known and popular banks or institutions specializing in credit as partners. This will allow you to get a better idea of the different proposals that you can find on the market in order to find the one that will best suit your situation.
You can do two types of search on online comparators. First of all, a global search, which will allow you to have a quick and general view of the different offers on the market. Likewise, you can do a more personalized search that will allow you to obtain results by varying the amount you wish to borrow as well as the duration of the fast personal loan contract. An even more advanced search will allow you to visualize the offers that could best correspond to your personal and professional situation by entering data concerning you.
The key indicator in comparing quick personal loan offers is the APR (Annual Percentage Rate) and this is the yardstick that you should look at first when comparing different offers. It is a rate which allows to express the total cost of a loan since it includes not only all the interest but also the various fees or commissions of any nature whatsoever, related to the offers of fast personal loan. Thus, it is the best tool for comparing loans (this is also valid for other forms of consumer credit). The mention of the APR is mandatory on all credit offers as well as on the advertising media associated with them. It can be set freely by the bank or the establishment specializing in consumer credit as long as it does not exceed a certain threshold defined by law called the usury rate. This is the maximum rate that may be applicable by the different lending organizations and it is the same for all consumer loans but may vary depending on the amount borrowed. It changes quarterly and can be viewed on the Bank of United States website. For example, the usury rate applicable to the first quarter of 2017 is 13.25% for consumer loans in the amount between 3000 and 6000 US dollars. The effective average rate (also available on the Bank of United States website) observed in the 4th quarter of 2016 is 9.94% for loans of the same amount. The wear rate is set on the basis of the average rates observed in the previous quarter.
Thus, take the precaution of checking the rate of usury before applying for a quick personal loan because an annual percentage rate exceeding this limit is illegal and can generate many penalties for the lender that offers.
Other elements can be taken into account in the credit comparison such as, for example, the absence of administration fees, the amount that it is possible to borrow and many more. It can also allow you to better choose the quick personal loan offer that will be the most advantageous for you based on your personal situation.
Some credit comparators do not only compare the different offers but can also allow you to quickly build your credit report and send it to the organizations you choose. Thus an online comparator can help you find the best fast personal loan offer by directing you to the organizations offering the most advantageous credits and corresponding best to your personal and professional situation, as well as to your needs and expectations. .
How to apply for a quick loan online?
To apply for a quick personal loan online, you can go directly to the website of the bank or establishment specializing in consumer credit, perform credit simulations there, then build your personal file by entering it. information about you that is necessary for the lender to study your file and respond to your request. It is only advisable to do this if you are familiar with the lender in question and have confidence in their services.
You can also go through an online comparator which offers to send your file to one or more partner organizations of your choice, corresponding to your situation and your needs. In both cases, it is important to perform several quick personal loan simulations in order to find the offer that will be the most suitable for you. You can do as many simulations as you want to make sure you don't go wrong. Do not forget, beforehand, to take stock of your personal and professional situation, your expenses and your income, your debt ratio, your remaining living etc. Then, by varying the duration as well as the amount of the credit, you will be able to obtain various offers. If you want to have lighter monthly payments, you will need to extend the duration of the quick personal loan. However, this will also increase its APR (annual percentage rate of charge) and therefore its total cost. If, on the other hand, you can afford to pay higher monthly payments, you can reduce the duration of the loan, which will allow you to have to repay a smaller total sum. Above all, make sure that the monthly payments are adapted to your financial situation and that they will not put you in a situation where you would have difficulty making your repayments because this could lead you to a situation of over-indebtedness.
Once you have defined the amount you want to borrow (it should be noted that this does not necessarily have to correspond to the amount of a specific purchase and that it is up to you to set it according to your needs), the amount of monthly payments you can afford and the rapid repayment period of the personal loan, you can start building your file online. Most of the sites you can find will first ask you what type of project you want to finance (although this is not a decisive criterion for personal credit). It can be the purchase of a car, work, a trip or simply a cash loan. You will not be asked to justify precisely the use of the amount you are going to borrow. It will then be a question of communicating information on your family situation (if you are married, single, widowed, if you have children…) then to inform your professional situation. This includes your monthly net income, your profession, the type of contract (CDI, CDD, interim…) to which you are subject, your company as well as the date since which you have worked there. You can also specify your additional income (alimony received, property income, etc.). Then you will have to mention your housing situation (if you are a tenant, owner, housed by a third party…) as well as the monthly charges that you have to pay (rent, alimony paid…). It is also often asked if you already have credits in progress as well as details concerning them (type of credit, monthly payments, date of end of the loan, capital remaining to be repaid). Finally, you will need to fill in information about your banking situation (name of your bank, date your account has been opened since, etc.) then enter your contact details in order to be able to access the various market offers that may correspond to your situation.
This list is not exhaustive and the information requested may vary from one site to another, even if overall, the procedure for constituting the rapid personal loan application file remains similar in all cases.
Online comparators sometimes allow you to send your file simultaneously to several lending organizations in order to maximize your chances of obtaining the credit you need while saving you considerable time. Often, a school counselor will call you to discuss your credit application with you so that they can best respond to it. For each of the offers, you will first get a response in principle (which is often immediate). If this response is favorable, a quick personal loan agreement will then be sent to you, by email or by post. It should be remembered that until then, all the steps you have taken are free and without obligation on your part.
Once you've received the contract, take the time to read it carefully and don't rush into accepting it. It is necessary that all the conditions suit you and meet your personal expectations so that the fast personal loan is advantageous to you. Do not hesitate to contact the lender, by email or phone for example, and discuss with an advisor if you ever have any questions concerning one of the clauses of the contract. If several loan offers have been sent to you, you will need to choose the one that best meets your needs. Then, once you have no more questions about the offer that suits you best, all you have to do is sign the quick personal loan agreement, attach the supporting documents requested by the lender and send it back to establishment. You can do this by post or even email in some cases, by simply scanning the necessary documents. All the same, this represents a certain saving of time.
Once the lender will be in possession of the requested documents, your file will be carefully studied so that we can provide a final answer to your request for a quick personal loan. Un conseiller de l'organisme financier en question devrait vous communiquer une réponse dans un délai relativement court. Si la banque ou l'établissement spécialisé dans le crédit refuse votre demande, votre dossier sera classé sans suite. Si, en revanche, le prêteur décide de vous octroyer le crédit, l'argent sera rapidement débloqué sur votre compte bancaire et vous pourrez alors en disposer de la manière dont vous le souhaitez, sans avoir à fournir de justificatif de vos dépenses. Il faut rappeler que vous disposerez d'un délai de 14 jours suivant la signature du contrat pour vous rétracter. C'est une loi qui vous protège en vous accordant une période de réflexion durant laquelle il vous est facilement possible d'annuler le contrat de prêt personnel rapide, sans que cela n'engendre de frais supplémentaires. La somme empruntée devrait vous être versée 24 à 48h suivant la fin de ce délai de rétractation.
N'oubliez pas que le fait d'effectuer plusieurs demandes de prêt personnel rapide et d'envoyer votre dossier à un certain nombre de banques et/ou établissements spécialisés dans le crédit à la consommation, augmentera vos chances d'accéder au prêt, vous permettra sans doute d'avoir plus de choix entre les différentes propositions et ainsi, trouver celle qui est la plus avantageuse pour vous et enfin, cela vous aidera à obtenir un prêt plus rapidement étant donné que certains organismes financiers sont plus rapides à répondre et à traiter les demandes que d'autres. Ainsi, si vous cherchez un prêt personnel rapide, envoyer votre dossier à plusieurs établissements ne peut que jouer en votre faveur. Vous ne serez pas obligé d'accepter toutes les offres qui vous seront proposées par la suite étant donné qu'une demande seule de prêt personnel rapide ne vous engage à rien tant que le contrat de crédit n'a pas été signé.
Quelles sont les pièces justificatives à fournir pour un prêt rapide?
Une fois que vous aurez reçu le contrat préalable de prêt personnel rapide, il vous faudra le signer et le renvoyer à l'organisme prêteur concerné en l'accompagnant des documents justificatifs spécifiques. Vous pourrez les envoyer au prêteur par courrier ou par mail, selon l'organisme financier que vous aurez choisi. Voici une liste habituelle des documents que l'on vous demandera très probablement si vous faites une demande de prêt personnel rapide:
- Une pièce d'identité en cours de validité (carte nationale d'identité, passeport, carte de séjour ou de résident...)
- Un justificatif de domicile (facture d'électricité, taxe foncière, quittance de loyer, déclaration d'hébergement par un tiers...)
- The last three payslips
- D'autres justificatifs de revenus éventuels (attestation aux prestations familiales, votre dernier avis d'imposition…)
- Les derniers relevés de compte bancaire (afin de voir si vous avez une situation financière stable, sans irrégularités trop conséquentes)
- A bank or postal identity statement (RIB or RIP)
Toutefois, notez bien que ceci n'est pas une liste exhaustive et que l'organisme financier qui vous aura envoyé une offre de prêt personnel rapide peut éventuellement vous demander d'autres documents justificatifs de votre situation, en particulier si celle-ci présente un caractère singulier. Quoi qu'il en soit, n'essayez pas de cacher certaines informations vous concernant car cela constituerait un délit et pourrait vous conduire à subir des pénalités. Assurez-vous que votre dossier soit complet et que toutes les pièces justificatives demandées y sont présentes afin d'obtenir un prêt personnel aussi rapidement que possible.
L'assurance d'un crédit rapide
Lorsque vous souscrivez à un prêt personnel rapide, comme pour tout autre crédit à la consommation, vous avez la possibilité de souscrire à une assurance facultative qui représentera une garantie face à certains imprévus. Il faut bien noter qu'une telle assurance est facultative et qu'un organisme prêteur vous proposant un contrat de crédit ne peut en aucun cas vous obliger à y souscrire. Cependant vous pourriez aussi vous voir refuser l'octroi d'un prêt personnel rapide auprès de certains établissements financiers si jamais vous ne souscrivez à aucune assurance. Notez aussi que vous pouvez prendre une assurance-crédit consommation auprès de n'importe quel organisme assureur qui en propose, vous n'êtes pas obligé d'y souscrire auprès de votre prêteur. C'est une assurance qui vous permettra d'être protégé contre certains risques de la vie de tous les jours comme le décès, l'invalidité, le chômage ou autres. Une assurance-décès invalidité est fortement conseillée si vous décidez de souscrire à un prêt personnel rapide même si elle n'est pas obligatoire en théorie.
Il existe différents types de d'assurances pour les crédits à la consommation et présentent chacune des conditions et des particularités différentes. Tout d'abord, on retrouve l'assurance «Décès-invalidité» qui permet de prendre en charge les remboursements du prêt personnel rapide dans le cas où l'emprunteur décède ou si sa santé ne lui permet plus de travailler. Ensuite, vient l'assurance «Perte totale et irréversible d'autonomie» qui permet aussi de couvrir les mensualités en cas d'invalidité de l'emprunteur et qui propose la plupart du temps les mêmes indemnités que s'il y a décès de celui-ci. On retrouve aussi l'assurance «Incapacité totale temporaire ou incapacité partielle permanente» qui peut proposer des prestations différentes en fonction du contrat et du degré d'invalidité. Enfin, on peut parler de l'assurance «Perte d'emploi» qui permet de prendre en charge une partie les mensualités si jamais l'emprunteur se retrouve au chômage. Il peut aussi y avoir un report d'échéances, en fonction du contrat et de la situation.
On peut noter que si l'emprunteur est sujet à certains problèmes de santé, une compagnie d'assurance peut hésiter à assurer son prêt personnel rapide étant donné que cela représente pour elle un risque plus grand. Toutefois, la convention AERAS ( s'assurer et emprunter avec un risque aggravé de santé) peut aider une personne qui a été ou qui est encore sujette à un problème de santé grave, à accéder plus facilement au crédit à la consommation et donc au prêt personnel rapide. Sous réserve de certaines conditions, elle peut lui permettre d'obtenir une assurance sans avoir à remplir de questionnaire de santé. De ce fait, le risque aggravé ne peut plus être facteur de refus. Les conditions pour bénéficier de cette convention incluent: un montant d'emprunt maximum de 17000 US dollars, une durée de remboursement qui ne pourra pas dépasser 4 ans, une déclaration sur l'honneur signée de non cumul de prêts dépassant le plafond établi de 17000 US dollars. Lors de sa demande, l'emprunteur devra aussi être âgé de 50 ans au maximum pour pouvoir accéder à cette convention. Le questionnaire médical sera obligatoire si ces conditions ne sont pas toutes remplies par l'emprunteur.
Il faut ajouter que même si l'emprunteur bénéficie de la convention AERAS, c'est sa solvabilité qui sera le facteur décisif dans l'octroi du prêt personnel rapide par l'organisme prêteur quel qu'il soit. De plus, il existe d'autres critères de risque aggravé comme, par exemple, le métier de l'emprunteur qui pourrait éventuellement présenter un risque.
En ce qui concerne l'organisme auprès duquel vous pourrez choisir d'assurer votre prêt personnel rapide, plusieurs choix s'offrent à vous. Si jamais vous souhaitez emprunter une somme peu conséquente, vous pouvez souscrire à une assurance auprès de la banque ou de l'établissement spécialisé dans le crédit à la consommation auprès duquel vous faites votre demande de crédit. Vous ne ferez que très peu d'économies si vous décidez de vous tourner vers une autre agence. En revanche, si la somme que vous souhaitez emprunter est plus importante, il peut être utile de mettre en concurrence les différentes offres d'assurance du marché pour trouver celle qui sera la plus avantageuse.
Dans tous les cas, si vous choisissez de souscrire à une assurance pour votre prêt personnel rapide auprès d'un autre organisme que votre prêteur, assurez-vous que celle-ci présente des garanties équivalentes à celle vous ayant été proposée par l'établissement avec lequel vous souhaitez établir un contrat de crédit. Autrement, le prêteur se réserve le droit de refuser votre demande. Notez que si vous décidez de souscrire à une assurance autre que celle proposée par votre prêteur, ce dernier n'a pas le droit d'augmenter le taux annuel effectif global du prêt rapide .
Depuis le 26 juillet 2014, il vous est aussi possible de changer d'assurance au cours de votre première année de contrat de crédit. Si jamais l'organisme prêteur refuse la modification d'assurance, il sera dans l'obligation de justifier ce refus en ayant pour référence une liste composée de 18 critères qui sont définis par le CCSF (Comité consultatif du secteur financier) et ce depuis le 1er mai 2015.
Pour finir, la banque ou l'établissement spécialisé dans le crédit consommation est tenue d'informer l'emprunteur des conséquences éventuelles en cas de non remboursement des frais liés à son assurance-crédit. Cela permet à l'emprunteur de ne pas se retrouver sans assurance pour son prêt personnel rapide sans en être informé au préalable.