Easy and fast online credit with immediate response

Easy and fast online credit with immediate response

Easy online credit offer should not be confused with a concrete offer, with a final rate to support it. What is the easiest credit to get online? How to obtain an immediate evaluation of your file? We will see how to give yourself the best chance of getting easy, fast and cheap credit.

Easy online credit, where to find it?

An easy online credit application often responds to a sense of urgency. The fear is to be confronted with a refused credit, synonymous with additional delay before obtaining the funds. It is important not to panic when you need fast credit, at the risk of missing out on the best rate. We will see that it is entirely possible, thanks to a credit comparison tool, to obtain easy credit online.

Defining your project is the priority

It should be understood that each consumer loan has its own characteristics. Some are more difficult to obtain than others, in particular because of the list of supporting documents to be provided. The first thing to do before applying for an easy loan is to know what you need. Is it a simple small need for money, a loan to carry out work or even a car loan? Here is a table showing what you need to know about all the types of consumer loans available on our credit comparator. This comparison does not take into account the mortgage, a very specific market.

Type of credit requested What there is to know
New car / motorcycle loan
  • Proof of purchase or purchase order required
  • Low fixed APR rate
Used car / motorcycle loan
  • Credit with proof (order form)
  • Fixed APR rate slightly less attractive than for a new car loan
Personal loan
  • Credit without proof of use of money
  • Fixed APR rate very variable from one organization to another
Need money or loan all projects
  • Credit without proof. Rates identical to those of the personal loan for any request> 4000 $.
Works loan
  • Proof of achievement or order form required
  • Very advantageous fixed APR rate
Redemption of credits
  • Proof of credits in progress. This credit is suitable for grouping several credits into one monthly installment that is easier to repay
Any credit request <4000 $ on our comparator
  • Proposal of the best revolving credit solutions without proof of use.

The comparator, best friend of easy online credit

The comparator, best friend of easy online credit

Using a credit comparator offers several advantages, starting with that of comparing offers without pressure. It is thus possible to obtain an overview of the best rates for an easy loan without supporting documents (personal loan, revolving credit) in a few clicks, among the largest credit organizations. This simple step, however, does not make advancing online credit easy. This is the reason why our comparator makes it possible to apply for credit online with immediate response.

Online credit rate comparison

Online credit rate comparison

Nothing beats a credit simulation – here a personal loan of 10,000 USD over 48 months – to fully appreciate the importance of an online comparator. The APR rate never lies (what is it?) And sometimes reveals significant differences between several of the best organizations.

Best personal loan $ 10,000 over 48 months Fixed APR rate Monthly fees Total cost of credit
Organization n ° 1 3.89% 294.45 $ 600.20 $
Organization 2 5.60% 301.78 $ 864.08 $
Organization n ° 3 5.77% 302.51 $ 890.36 $

The organizations on this podium are the most popular. No need to mention the name of the best at the time of our comparison, he may not be in the lead during the next simulation. Consumer credit rates are constantly changing.

How our comparator works

Our comparator makes it easy to apply for credit online. Above all, it guarantees to obtain an opinion at the best rate. Here’s how to apply for a personal loan, or any other consumer loan.

  1. Enter your project, the amount and the desired repayment period.
  2. Complete the four simple steps of the credit form.
  3. The comparator offers a list of the three best APR rates offered online.
  4. The best organism provides an immediate response, represented by an acceptability rate.
  5. When the credit is accepted (acceptability> 50%), confirmation takes place by email within 24 hours.
  6. Credit is refused (acceptability <5%)? It is possible to query organizations classified in 2nd and 3rd position with one click.

The ability to get up to three responses in one form guarantees easy online credit . It is always better to get the best rate and receive a favorable opinion from the No. 1 organization, but the conditions of acceptance vary a lot from one specialist to another. This is the reason why it is possible for a Astro finance personal loan to be accepted and refused by Sofinco (or vice versa) under the same borrowing conditions.

Legal point: there is a legal period of 14 days to withdraw in the context of a consumer credit. This period starts from the date of signature of the contract. A slip provided for this purpose is systematically backed up by the contract.

Online credit refused everywhere, how to do it?

It is possible in certain cases that the credit request does not lead to any concrete proposal. You have to ask yourself the right questions in this case. There are several options to consider:

  • Review your request by extending the repayment tenure or lowering the amount requested.
  • Opt for revolving credit, easier to obtain than all other types of loans.

It should be noted that those registered with the FICP (file of credit repayment incidents) cannot obtain any credit. Unemployed people also do not have access to loan solutions. Employees on fixed-term contracts may in certain cases fall back on mini-credit solutions.

Good to know: any request for credit 4000 USD or less made from our comparator directs to the revolving credit offers.