Getting immediate credit is almost impossible if you want to receive money immediately in your account. The best you can do is get $ 200 within 24 hours. You can get credit immediately in some stores but only to pay in the store and not to have the money on your account. Let’s go through all the quick credit tips for getting the money as fast as possible.
Immediate credit: get the money as quickly as possible
French legislation means that it is not possible to obtain a credit in the form of payment of money of more than $ 200 in less than 7 days. This is particularly linked to the law on withdrawal. To be able to get immediate credit, you will have to settle for $ 200. If you need more, depending on the organizations, the time to get the money for a loan will be 7 to 10 days:
- Need less than 200 $
It is possible to obtain $ 200 in 24 hours from organizations like Viloan, ultra specialized in express credit. To obtain this type of credit immediately, the online credit application must be validated early enough in the day. On the other hand, you should know that this type of credit is very expensive, it is probably the most expensive on the market.
- Need more than 200 $
For any quick loan over $ 200, it will not be possible to obtain an immediate loan. One can get credit with an immediate response. But it will take 7 to 10 days as quickly as possible with most of the credit organizations. But there are conditions to be met to get the money as quickly as possible.
Immediate credit: the steps to follow to make it faster
If you need more than $ 200, you will have to go through a “classic” consumer credit. Here is the list of steps not to miss to get your credit as quickly as possible.
- Obtain an agreement in principle as soon as possible
Nothing could be simpler, most organizations offer fast credit online. That is to say, they give an immediate answer in principle. To go even faster and get the best offer, we have connected our questionnaire writes to these organizations. This means that in addition to ranking the best rates, we give an answer for each credit request immediately.
- Recover the credit agreement immediately
To save time, do not wait to receive the contract by mail, which will take 3 to 6 days. You must either retrieve it in electronic version (generally pdf) in the organization’s confirmation email or download it by going to their personal space on the partner’s website. Important : to save time on an urgent loan, print the contract, but leave enough sheets in the printer.
- Prepare your supporting documents
To obtain a credit immediately after the organization has received the complete file (step 4), it is necessary to build up your file as quickly as possible. The main credit documents are: proof of identity, income (salary slip and tax advice), address and bank documents. It is best to prepare photocopies (and scan or photograph them in case) as soon as possible.
- Submit your credit report
For the quickest, this can be done from the day of the agreement in principle (this agreement in principle for immediate credit can be obtained within 5 minutes: this is the time it takes to complete our questionnaire). You will need to put in a large envelope: the dated and signed credit contract and all the supporting documents requested. If possible post it the same day.
- Wait for final response and credit money
We have just seen through the first 4 steps that we can do everything the same day. But now you have to wait for the postal period and / or the processing time of the chosen credit institution. Note that the transfer can take 24 to 72 hours to be effective after the final credit agreement. In all, and as the law provides, minimum 7 days.
Instant store credit
If it is not for an agent need, it is possible to obtain immediate credit in store. Indeed, store credit cards have the advantage of allowing a purchase from the opening day. However, the withdrawal period still exists. But to withdraw from this immediate credit, you must first bring back the goods financed by the credit.