Online consumer credit Apply for credit online.?

Online consumer credit. To help you in this process, we suggest that you provide clear answers to all the questions you have about online consumer credit.

What is an online consumer credit?

Also called a consumer loan , an online consumer credit is an assigned or unassigned credit intended to finance the purchase of a good or service. Its amount can be between €200 and €75,000, and run over a minimum repayment period of three months. Subscribed directly on the internet, the online consumer loan makes it possible to obtain money quickly and easily. As with a loan requested from the bank, borrower insurance can be taken out with online credit . This optional insurance protects you in the event of a hard blow, because it is the insurer who will reimburse all or part of your monthly payments if you are the victim of a claim provided for in the contract (death, disability, etc.).

Which project to finance with an online credit application?

Applying for credit online has several advantages for contributing to the realization of a project, the possibility of simplifying the procedures, of accessing a wide range of online loans depending on your project, and of quickly filing a financing according to the nature of your need. As mentioned above, your online credit application may or may not be affected depending on the nature of your project.

The (non-exhaustive) list of situations that may require the use of online credit:

In addition to this online consumer credit, there is also the possibility of applying for a mortgage loan on the Internet . You can therefore, with an online loan , finance both the purchase of real estate and improvement or repair work.

Note that borrower insurance for a consumer loan is optional. However, it is no less essential for coping with the vagaries of daily life such as death, illness, disability or unemployment.

How to get credit online?

To obtain a fast online consumer loan , the procedure is relatively simple. There are two solutions.

Go directly to the site of a credit agency : by submitting an immediate online loan application, you can obtain a proposal. Only downside: no possibility of comparing to get the best rate.

Go through an online loan comparator : this is the most economical solution for obtaining an online consumer loan by having the opportunity to study different financing proposals and submit your financing request in a few clicks.

The advantages of online credit.?

An agreement in principle in just a few minutes : taking out a loan online saves you from carrying out a “physical” procedure in a bank. In addition, our comparator indicates the probability of acceptance of your file thanks to a gauge or the mention “pre-accepted file”.

The information is immediately accessible : by choosing to take out credit online, you can carry out an online consumer credit simulation . With the tools offered by lesfurets, you know the number of monthly payments, their amount and the interest rate charged (APR).

The procedure is done remotely in a simple and fast way : you can take out your credit online from your couch. You no longer need to go to the lender and you reduce the time it takes to obtain credit.

The loan offer is suitable for all profiles : whatever your borrowing profile, our comparator offers you mini loan offers for larger amounts. Whatever your needs, you will always find a financing alternative adapted to your situation.

The different online loans

Unaffected consumer credit  : as part of this loan, you do not need to justify your expenses. You can use the funds as you wish.

Affected consumer credit : it is called car credit, motorcycle credit or even work credit. This type of online consumer loan is reserved for the financing of specific projects. Example: to obtain a car loan, you must present proof to the lender.

Revolving credit : also called revolving credit or reconstitutable credit, revolving credit allows the borrower to obtain a reserve of money that he can use as he sees fit as the repayment of the installments progresses.

Which organizations for your online credit?

You can apply for consumer credit online from various market players. These credit organizations recognized as specialists in the field are able to meet the expectations of borrowers who wish to obtain a loan, whatever its nature. It is even possible to opt for a loan between individuals or to select an organization specializing in loans to people in a situation of over-indebtedness .

Example of online credit offers using our simulator

The rates and costs of credit presented below are for information only and are likely to vary depending on the nature of the project to be financed, the desired borrowing conditions (duration, amount borrowed, desired monthly payment) and your borrower profile. The examples identified are based on the best offer identified during the simulations of projects to be financed in October 2021.