(ra). For larger, everyday purchases, taking out a loan is sometimes the only alternative. The money is often needed quickly, for example to get the car running again or to get a replacement for a defective washing machine. How quickly a loan is approved and transferred depends largely on the behavior of the applicant. Here are a few tips on how to actively contribute to quick loan disbursement.
–
How fast can the payout even be made?
As is so often the case with the topic of money and finance, customers want to implement their wishes as quickly as possible and without hurdles. With the provision of credit over the Internet, the process of obtaining credit has accelerated significantly. In earlier years, tedious discussions with the house bank were necessary, today the loan approval is available from online banks within a few minutes.
If they accept an instant loan, the transfer will still take at least 24 to 48 hours. On the one hand, a detailed review of the application made is necessary, and clarification of the creditworthiness is also important. On the other hand, the applicant must officially sign the contract. Under certain circumstances, it may be necessary to send the mail again, which will also delay the payment.
Take out a loan online very quickly
Regardless of which bank or credit institute is trusted, the loan agreement on the Internet speeds up the process considerably. Within a few minutes, everything that is essential for the loan can be entered using the potential lender’s form. The prospective borrower should know what loan amount and term he is aiming for and what interest rates he is expecting.
Who one the Use the digital application process for the quick loan should decide in advance for a loan comparison. This shows which conditions can be expected individually and which bank currently offers the best lending rates. When comparing reputable partners like Finanzcheck.de, a direct forwarding to the respective bank takes place in order to be able to submit the application immediately.
–
Identify yourself quickly and easily
In theory, anyone could apply for a loan online – from minors to fraudsters. In order to prevent this, every bank pays close attention to the identity of the applicant. Nowadays it is possible to make a digital signature and use methods such as Video-Ident to show that it really is about you.
A basic requirement for this is that such technologies can be used by the applicant. For example, the electronic identity card is required for the digital signature. The Video-Ident can be carried out comfortably via smartphone or PC and is less of a hurdle. With a regular identity card, many credit institutions should continue to want to rely on the classic signature by post, which affects the speed of payment.
Know your own creditworthiness and let it flow into it
Another important issue is creditworthiness. Many applicants carry out a quick comparison online and only find out on the specific application that the bank applies much higher interest rates. The reason here: Many potential borrowers do not know their creditworthiness and assume significantly better conditions than actually given. The bank, on the other hand, carries out a detailed check of creditworthiness and incorporates this into the loan interest.
So that this does not cause a delay in the payment, applicants should first get an insight into their SCHUFA entry. This can and must be obtained once a year free of charge not through external providers be requested. If you know your creditworthiness, you can make a more precise comparison and potentially get your money faster.
similar posts
–
