An easy credit request is necessarily accompanied by an immediate response. We will list the steps that will lead to obtaining the most interesting consumer credit for your project. The objective is twofold: to apply for a loan at the best APR rate and to obtain an immediate favorable opinion. We will not discuss the case of the mortgage application.
Easy credit application: how to go about it?
It is not always clear how to apply for easy, unequivocally accepted credit at the best APR rate. We will see how applying for credit online can be simple, quick and efficient.
Find the right project for your situation
The first step in applying for an easy loan is to keep in mind the type of loan that best suits your situation. There are indeed various consumer loans, some of which are subject to supporting documents. Here is a summary table of what you need to know about types of consumer credit.
The choice of the project is accompanied by the estimation of its repayment capacity . This step will then make it possible to ask how many months the desired loan can be repaid, avoiding making an easy loan request that is too ambitious. It is enough to deduct all of its expenses from its income to obtain its remainder to live, and to keep a sufficient mattress to provide for its needs. Too high a debt ratio will result in a loan being declined. It is important to find the right balance to avoid any repayment incident.
Compare APR rates
It is relatively easy to get an immediate answer in principle to a quick online credit application. All the main organizations offer an immediate first opinion, as do some banks. Connected in real time to the decision system of the largest online credit specialists (Bankil, Yoabank, Bankate, , etc.), our comparator allows you to concentrate several requests in a single form .
It is therefore possible to obtain a response from the organization offering the best APR rate, but also the immediate opinion of each of the specialists completing the podium. Difficult to miss the best rate, given that our tool is only based on this criterion to determine its ranking.
Good to know: online specialists such as Bankil, Bankate or other Yoabank generally offer better APR rates than banks , or any other player in the sector (car dealers, insurers). Banks also often force the borrower to open a bank account before claiming consumer credit.
Why multiple notices in one form?
The conditions for accepting a loan differ depending on the lending institution . The use of our comparator makes it possible to obtain several very competitive proposals in the event of credit being refused at the best APR rate.
Once our form is filled, the best online specialist is immediately questioned. He answers within a few seconds. In the event of a negative credit opinion (acceptability <5%), a single click allows you to request an instant opinion from the two organizations completing the podium. Apply for easy credit online while maximizing your chances of getting a real, concrete proposal
An accepted credit (acceptability> 50%) results in an email confirmation within 24 hours. It then remains only to verify that the APR rate is indeed that obtained during the simulation, and to take note of the contract as well as the supporting documents requested. All of these steps are absolutely not engaging.
Easy step-by-step credit application
Let’s take a look at the different stages of an easy credit application:
- Indicate the purpose of your project (personal loan, auto loan request, work, need for money, etc.), the amount and the desired repayment period on our form
- Complete the easy credit application questionnaire in four steps and five minutes maximum
- Our comparator offers the best APR rates of the day among the best online organizations
- The best organization – based on the rate – provides an immediate response in principle
- In the event of a positive opinion (acceptability> 50%), the confirmation is sent by email within 24 hours
- When the file does not pass (acceptability <5%) or is placed for study by the best organization, it is possible to interrogate with a single click the second organization, then the third.