Credit without investigation: an easy and fast loan

Are you in a difficult financial situation and you want to get a quick and easy loan? Opt for a loan without investigation. Indeed, this type of credit is mainly intended for the applicant in urgent need of money or a data subject who can no longer find an alternative source of financing.

The good reasons to choose a loan without investigation

Credit without investigation is grouped together in the family of unallocated loans. Thanks to its shortened processing time and its accessibility to the general public, it turns out to be an easy credit. In principle, this offer does not require any proof. The borrower will have the opportunity to make free use of the allocated funds regardless of his personal project.

The lender also does not plan to track the allocation of the money. The only concern of the establishment is that the borrower can repay the credit on time. This personal loan without proof can, for example, be used to finance a marriage, the purchase of a vehicle, a trip or the education of the children.

Besides this, the procedure for obtaining this type of credit is accelerated. Moreover, in most of the time, it is an online credit. It is enough that the borrower sends a request by Internet. He will then receive an immediate response in principle. If the credit is granted to him, he can see his account be credited in a few days.

Some rules to be respected by the borrower

In principle, a loan without investigation is not the subject of an investigation or a verification of the borrower's ability to repay the loan. However, while financial institutions are a bit more flexible, applying for credit online does require following a few rules. If the borrower is already in a situation of high debt, he should not make his situation worse.

Indeed, the financial organization cannot grant a loan to a person who incurs a case of collective debt settlement. Moreover, he checks the financial statement of the person with the Central Credit to Individuals.

For his part, without external influence, the borrower is master of his decision. He must first analyze his repayment capacity before subscribing to a credit offer. If this is really essential, he will be able to compare and study all the proposals in order to choose the one that is suited to his situation. In addition, an urgent need for money should not push him to choose the first loan offered to him.

Credit without inquiry

Eligible persons and files to be provided

Any natural person who can provide the following supporting documents can subscribe to a loan without investigation. For example, there is a copy of identity document, proof of address or an invoice to prove the address, account statements and pay slips. It should be noted that account statements are necessary to know the financial situation of the borrower, but also to make the transfer of the credit in the event of an agreement. While the payslips will be used to assess the level of income of the applicant compared to the credit requested.

In addition, legal persons, associations and companies can also use this type of credit. For them, it is necessary to strengthen working capital, or to carry out an urgent project, a purchase or a sale. In addition, data subjects can also access credit without an investigation. As a reminder, a person being registered with the National Bank is prohibited from banking. However, a loan without investigation turns out to be an exception that will allow him to bypass this rule and obtain financing.

Other consumer credits to enjoy

Auto Credit

You plan to replace your car or buy a new one, take out a car loan. Whether new or used, a sum of money will be made available to you to finance part or all of the purchase. You will then have to repay each month with interest. The duration of your loan depends on your repayment capacity.

Works credit

As its name suggests, work credit is used to improve or fit out your home. This type of project requires a more or less substantial budget. This is why financial organizations and banks offer individuals a loan dedicated to work. The amount ranges from $ 5,000 to $ 75,000, for a repayment term of 12 to 120 months.

Personal loan

The personal loan is designed for the realization of your personal projects related to consumption. It allows you to have an amount ranging from $ 1,500 to $ 75,000, which will be defined according to your project. The rate varies in relation to the repayment term which can be done between 12 to 120 months. Online tools allow you to calculate the total cost of your loan.

Revolving credit

Revolving credit is designed to help you deal with unforeseen daily expenses. As the borrower, you decide how much money you need and how long you should repay. The revolving credit is reconstituted as and when repayments are made and can be renewed if money is needed with optional insurance.

Credit buyback

The repurchase of credit is a solution offered by your bank to simplify the management of your credits, and this, by regrouping them around a single credit. It is customizable and adapts to all situations and all profiles. It allows you to better manage your budget and reduce the amount by having monthly payments up to 60% lower.

Motorcycle loan

Motorcycle credit is a consumer loan allocated to the purchase of a two-wheeled vehicle, scooters or motorcycle. It is a financing solution for the acquisition of a motorcycle, it can be new or used. Thanks to this type of loan, you can afford the motorcycle you've always dreamed of for your everyday trips.

Wedding credit

There are loan platforms that are there to support you in your life plans, including marriage. They offer this credit with the APR twice lower than that of a revolving credit. Don't deprive yourself, now is the time to treat yourself. The marriage loan is an interesting solution to finance this unique moment.

Travel credit

Travel credit is an easy way to have sufficient financing to go on vacation. It is a loan that you could request from your bank or from financial institutions to carry out your travel plans that you have always dreamed of. Of course, the money you are going to borrow is not only used for your travel expenses, but also for your equipment.

Credit without contribution

Need funding for a personal project? Be aware that there are financial institutions that grant loans without requiring personal contribution. It is a simple, fast and transparent way to grant a loan. The procedures are even simpler when the requested amount is small. Most importantly, you can prove that you are capable of honoring your commitment to your bank.

Easy credit

There are many steps that demotivate borrowers to make a loan from financial institutions, if we cite only the supporting documents, the too long processing time and complex procedures. With easy credit, all these procedures no longer exist. It consists of applying for a loan online. It only takes a few clicks for the borrower to receive a response.

CAF loan

The CAF loan is advantageous in the case where it allows to obtain a loan at zero rate. You can use the funds granted for your personal projects such as work on your house, the purchase of household appliances, the purchase of a car or even to provide for childbirth costs. On the other hand, the use must be as a first necessity, but not for comfort.

A loan commits you and must be repaid. Check your repayment capacity before you commit