There are sites offering to get a quick personal payday loan within 24 hours, however, they are not French. Mostly Belgian or Swiss, they can find a quick solution for obtaining a credit however, they are not usually intended for people residing in France. However, there are ways to get credit faster.
Can we really get a quick personal payday loan in 24h?
We can often see this type of catchphrase on online credit sites but in reality, we can not get credit in 24 hours. The effective implementation of the credit should take at least several days and only in the best cases. Most of the time, what these organizations promise customers is to provide them with a response in principle fairly quickly, within 24 to 48 hours (it may even happen immediately).
However, this policy response is not a credit agreement and does not guarantee the granting of a loan. It is the result of an assessment of the client’s situation according to various parameters (family situation, monthly expenses, income, debt ratio, rest of life, etc.) that determines the type of credit he / she can use. it will be possible for him to obtain.
Following this, the customer will have to prove the accuracy of all this information to the bank or institution specializing in consumer credit which will then make a thorough study of his file and his application to bring him a final answer. It is only then that loan offers are transmitted and it is a process that takes more than 24 hours, even for the fastest institutions.
personal payday loan online, fast credit
Nowadays, the majority of credit organizations can obtain a loan by applying online through their website. This is a solution that can save you a lot of time because you can do everything without leaving your home. Applying for credit online has many advantages, because of its practicality and simplicity. It takes a few minutes to complete the file and send the request to the lender.
You can perform several loan simulations for free and without commitment, but also compare online different offers that can be found on the market. You can even send multiple requests simultaneously to increase your chances of getting a loan faster. The answer to the request is also fast. On the basis of the declared elements, you will obtain a response of principle, sometimes immediate, which will enable you to know if you have the possibility of accessing the personal payday loan that you want.
One of the advantages of the personal payday loan online is also the fact that it is possible to apply at any time of day, which removes the constraints of the schedules of banks and credit agencies. Beside this, it should be noted that the offers that are found on the internet are often more advantageous than those that can be found in traditional banks and it is possible to find various promotions.
However, there are some disadvantages to personal payday loan online. Among them, we find the fact that we can not physically meet the advisor responsible for the study of the credit application. However, it is always possible to call customer service if you have any questions. In the same way, it should not be forgotten that the offer that can be seen during the loan simulation will never be exactly the same as the one that the lender will send you since the rate that will be proposed will adapt to your situation.
If you want to reduce the time limit for granting your personal payday loan, make sure your application is as complete as possible. It must include all the information necessary to study your file and be accompanied by supporting documents. A good record and a stable financial situation are the key elements in obtaining a fast personal payday loan.
The necessary supporting documents for a fast personal payday loan
Once the personal payday loan agreement has been received, you will have to sign it and send it back to the lender, attaching the necessary supporting documents for the study of your file. Depending on the chosen lender, you can return by mail or email. Here is a non-exhaustive list of documents that may be required for a personal payday loan application:
- Vent proof of identity (CNI, passport …)
- A proof of residence (electricity bill or gas, property tax, rent receipt …)
- The last three payslips
- Other proof of possible income (attestation to family benefits, last tax notice …)
- The latest bank account statements
- A bank or postal identity statement (RIB or RIP)