What is fast online credit?

It allows you to face unforeseen expenses or difficult ends of the month.

It is a sort of emergency financial aid .

It is a personal loan of short duration and of small amount.

You can usually borrow between € 50 and € 1,000 . The repayment period is also very short: from 15 days to 1 month .

Quick credit is generally very easy and quick to obtain .

The request is made directly on the Internet with very little red tape.

Like the personal loan, you do not have  to provide proof of use  . You are free to use the borrowed money as you wish.

When to apply for a mini loan?

As you can see, quick credit is usually taken out when there is an urgent need for money .

Below are the cases in which applying for fast credit is suitable and the cases in which it is not.

Here are some other common cases of quick credit application :

• Pay for vocational training
• Move to your new apartment
• Repair your motorcycle
• Offer you a good "crush"
• Pay health care costs
• Payday advance: you need cash, but you haven't received your pay yet. You can end the month in peace

Quick credit within 24 hours: does it exist?

The answer is: YES .

But on condition.

You can obtain a loan in 24 hours (after acceptance of your file) only if the amount of your loan is less than € 200 .

If you borrow more than € 200, the usual 7-day deadline applies.

Why 200 €?

This is the ceiling established by law.

Indeed, the Lagarde Law of 2010 imposed measures to protect consumers against abuse by certain financial institutions.

Article L312-25 of the said law specifies that for 7 days from the date of acceptance of the credit offer, no payment can be made to you by the credit organization.

Only mini loans whose amount is less than € 200 can be granted within 24 hours.

Advantages of online mini credit

Here are the main advantages of fast credit:

• Apply for credit online .
• Quick to obtain , between 24 hours and a few days depending on the amount and your file.
• Simple to obtain. Few supporting documents or administrative formalities.
• No administration fees. No paper file to send , everything is done online.
• Accessible to all , even to bank prohibitions persons on file

Is it a credit without proof?

This is mainly to say that you do not need to justify the use of the borrowed funds.

Also, as the amount of the mini loan is small, you have very little supporting documentation, unlike traditional credit.

Even so, fast online credit is still a consumer loan. It is therefore necessary to put together a loan file.

On the other hand, you will have much less supporting documents to provide .

You will usually be asked for the following information:

• Your identity document - Passport or national identity card
• Your IBAN number appearing on your bank identity statement (RIB).
• Your credit card information . The repayments of your loan will be made automatically via your bank card.

Operation of the 24h mini credit

To get quick credit, here are the requirements :

1. Be over 21 years old
2. Have a monthly income

To get your credit fast, all you need to do is apply online . Following this request, the establishment will give you an answer in principle within the following hours.

Depending on the amount, you will get a final answer within 24 hours or a few days after analyzing your file.

There are two ways to pay off your credit fast online:

1. Wire Transfer
2. By credit card

Fast consumer credit for banking prohibition

As the amounts borrowed are low and the repayment periods very short, institutions specializing in mini credits are much less strict on the borrowing conditions .

Fast credit is therefore accessible to people registered with the Bank and prohibited from banking.

Apply for quick credit

The procedure for obtaining fast online credit is very simple:

1. Fill out the online application form with just a few clicks.
2. You get an answer in principle in a few minutes or even a few hours (excluding weekends and holidays)
3. Send the documentation by email (some supporting documents)
4. Receive your money within 24 hours if you borrow less than € 200 and up to 7 days if you borrow more than € 200.

Mini loan: secure and transparent

If you apply for credit quickly, you have security equal to that of a traditional bank.

When you make your request on the Internet, the whole process is secure .

All personal data you transmit is private and fully protected .

Banking transactions are carried out in a secure manner.