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.
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.