The purpose of this article is to present the conditions to be met in order to apply for a loan under the best conditions. In addition, to obtain credit at the best rate, we have developed a unique process that simplifies the process and lets you know what rate everyone can claim. In the meantime, the essential conditions for obtaining a credit are:
- To be of age
- Not to be filed (filing for unpaid or prohibited banking)
- Being on a permanent contract or receiving a pension of more than $ 800 (rare are temporary or temporary contracts accepted)
- Do not already have too many credits (in this case, request a credit repurchase)
Obtain a loan from a comparator
The system that we have developed is not limited to a simple comparator. Indeed, we tried to gather the best conditions to obtain a loan at the best rate.
First of all, our system is a real comparator. This means that our classification is based on the legal APR rate. The overall effective annual rate is the legal rate defined by the law on consumer credit.
In addition to providing the ranking of the best rates for each online credit application, for all consumer credit projects. Our system provides a real-time response in principle from the organization offering the cheapest rate. We therefore know directly if the file can obtain credit at the best rate. If this is not the case, it will be possible to submit the file in one click to the organization classified 2nd and to that classified 3rd.
Get credit quickly
To get credit quickly, there is no miracle. Certain deadlines are incompressible. For example, there are legal deadlines that do not allow financial organizations to give money for 7 days after the request. To apply for credit quickly, that is to say to get money as quickly as possible, you must allow at least 10 days between the start of the online credit application and the time when you actually money.
To get cheap credit, you must first complete an online credit questionnaire. As we explained, we designed a smart questionnaire. It allows you to enter only one loan request and obtain several responses from the best organizations on the market.
To obtain credit quickly, you must then build your file with the supporting documents requested on the credit contract. Generally, this is proof of identity, proof of income, proof of address and bank proof. It is best to prepare them as soon as you complete the online credit questionnaire.
No need to cheat to get a loan
To get a loan, there is no point in making false statements when filling out the credit questionnaire. Indeed, the information will be verified using the supporting documents that will be requested. Incorrect information leads straight to the refused credit.
In addition, when the credit organization finds out, the request can stall Either it will refuse the credit request, or it will ask to fill in a new request and you will have wasted a lot of time for nothing.
But above all, even if we manage to trick the financial body to obtain credit, we are putting ourselves at risk in relation to the law and the possibility of benefiting from the legal protections of the laws on over-indebtedness.
Get a credit after a declined credit
If you have had a credit declined, there may be several reasons. Either the reason is a file (Astro Finance file or Payment Incident File) or a systematically refused profile (fixed-term contract or unstable income): in this case it is practically impossible to obtain credit.
If the refusal of credit originates from too much debt, the best solution is the repurchase of credits. This type of solution aims to lower the amount of monthly payments by grouping all the current credits into one. The duration of this new loan will be extended to lower the monthly payment.