Feeling a need for fast credit is always an urgent or even oppressive feeling. Even if we are going to see how not to waste time to obtain urgent credit, you should know that a certain number of constraints are unavoidable. And above all you must not be tricked into the rate. To ensure this, we offer you a comparator with immediate response.
Legal deadlines for urgent credit
The law of consumer credit clearly indicates that the provision of money can only take place 7 days after the date of signature of the offer of credit, urgent credit or not. And on the other hand, you have a withdrawal period of 14 calendar days from final acceptance by the credit organization.
So as soon as possible, it will take you a week to receive the money from the signing of your credit agreement. But for obtaining a fast credit on line , it is still necessary to count the time to review your contract beforehand, the time to gather all the supporting documents, the time that the complete file arrives at the credit organization and finally the time your money is transferred to your account.
Even for an urgent loan and for which you will follow our advice to save time, in the best of cases, it will take you ten days to get the money on your account . This is what to count for a new emergency loan request . As we will see in the rest of the article, if you already have revolving credit, it is possible to get the money much faster.
For store credits and major brand credit cards, immediate credit is possible . The signs play on the fact that the money is not made available to the customer but from the store and so the purchase can be made on credit the same day of its subscription. However, it is not possible to get money from your account.
Urgent credit: Save time on demand
The first step in applying for an urgent credit is to file an application by completing an online credit questionnaire . To get the best rate, normally you would need to shop around for banks and credit agencies. But Captain Credit has simplified your task and raised all the rates of all the largest financial organizations to keep only the best. Thanks to our questionnaire, fill out a questionnaire only for the best credit rate.
Build your file as soon as possible
Once you have completed an urgent online credit questionnaire and are pre-accepted, do not wait to receive your credit report by La Poste without doing anything. On the same day, you can collect the supporting documents necessary for your urgent credit request:
- Photocopy of a valid identity document
- Photocopy of proof of address less than 3 months old
- Bank details
- Photocopy of the last salary slip
- Photocopy of the tax notice
- Photocopy of the last bank statement
A proof without rapid credit is impossible to find . The only way to benefit from an urgent loan without proof is to already have a revolving credit open.
Otherwise, to save time by directly printing the credit contract which can be made available to you via the credit organization's website (you will have received a password by email). If you decide to print the contract directly at home, remember to load the sheet printer, the contract can be between 30 and 40 pages. Printing your contract and preparing supporting documents saves you several days.
Urgent credit: electronic signature accelerates everything
Many organizations now make it possible to obtain credit with immediate response and electronic signature . You can actually download your supporting documents online and sign the contract instantly (often using your mobile number). This method generally makes it possible to speed up the process, since it is no longer useful to return the contract by post.
Be careful in the case of a quick loan with electronic signature to check all the terms of its contract . It is less obvious to read everything in computer version. It is particularly advisable to check the rate, the amount and the deadlines (monthly payments), but also the presence or not of the optional insurance.
The last tip that we can advise you is to bring your urgent credit file directly to the financial organization and thus save on postal delays and that of the routing of internal mail. You will gain 2 to 3 days. Only this technique is only possible with credit organizations that have a network of agencies . If you want to know if this or that organization has agencies, you can ask the question directly in the comments of this article.
Get money immediately from an emergency loan
There are two options for getting credit money right away:
- Already have revolving credit with available money
- Request an express credit
Be careful, these two types of credit are the most expensive on the market. The most expensive urgent credit in these cases can have a rate over 20% !
For express credit, to put it simply, it allows a maximum of € 199. This is the legal limit for not falling into consumer credit legislation. We wrote a detailed article on this form of express credit . Money can be obtained within 24 hours. For any higher demand, a new consumption credit request falls on time.
Already having revolving credit is much more common than you think. In fact, many store cards are backed by revolving credit. In such a case, we generally have a reserve of money which, if it has not been used, makes it possible to obtain from € 500 to € 3000 very quickly. It is urgent credit that can respond quickly to a delay to get the money as quickly as possible. But it comes at a cost. The revisable taeg rate for this type of use will generally be around 20% .
Conclusion on urgent credit
As you will understand, obtaining urgent credit means that by following our advice and that as soon as possible, you will not get the money for ten days at best. Take the time to get credit at the best rate thanks to Capitaine Crédit, these few clicks will allow you to get the best credit, you can then go for urgent credit.