What do express credit ?

Express credit is a financial solution offered by many banking institutions. This loan offers very advantageous conditions, which explains its growing reputation in the field. Discover everything’you should know about this type of loan.

What do express credit and how does it work ?

Express credit is a loan that can be obtained quickly and without the need for guarantee. The funds can be collected by the applicant 24 hours after the validation of the file by the’express credit lender. The rates applied for express credit are reasonable, as they are generally set below 25%. However, the beneficiary has’a limited repayment period. This period is usually between 15 days and 36 months depending on the applicant's profile.

Express credit is therefore suitable for emergencies or unforeseen expenses and not for large projects’investment.

To speed up repayment, the debtor can choose to buy back his express credit. This option offered by most lenders allows the subscriber to merge all his current credits to pay a single monthly payment. With this financing solution, the applicant also has the possibility of prepay an accumulation of several months in order to reduce the duration of write-offs.

What are the advantages of express credit ?

This type of loan is particularly profitable for its simplified procedure. His application requires few documents and no proof’is required for’use of funds granted. So you can spend the’money as you wish, without having to provide explanations to the’lending organization. To make it easier for you, you can take out express credit online, from the comfort of your home.

This channel is open 7 days a week and 24 hours a day, allowing you to launch the request at n’any time.

Another advantage of express credit is the possibility of lending without having stable income. In addition, this financing solution is accessible even to people with debtor status registered with the Banque de France. There speed of payment’money on the beneficiary's account and’indication of the exact amount to be reimbursed as soon as the request is validated also represent significant advantages.

The express credit also allows the subscription of’a new loan as soon as the first is fully repaid. The process is facilitated in the event of renewal with the same financial body, because you will no longer be required to return the documents necessary for the launch of the request. D’other organizations offer a contract subject to a period of validity during which the applicant can borrow when he wishes a maximum amount previously defined.

How the’get ?

Before you start the process of’obtaining’express credit, you will need to select a lender that suits your needs. To make a choice adapted to your situation, we advise you to use a comparator in order to find the best possible offer. Once you have found your creditor, you will need to select an amount and term for the loan.

The next step is to fill in an online form with some basic information such as your date of birth, your nationality, your telephone number, etc. I’organization will analyze your request and send you a response only a few hours later. If the request is accepted, you will need (generally by e-mail) your RIB, your piece D’identity as well as’proof of address.

The funds are directly paid to your account After validation of your file.