What About Consumption Loans Without Vouchers



Thanks to the consumer credit, each individual now has the opportunity to finance small projects for the purchase of household appliances or cars and the financing of a trip or a wedding. Each file is studied according to the profile of the applicant and the release of the funds does not require long procedures or complicated supporting documents. Here are the current consumption credits available on the market.

Get an online consumer credit

Get an online consumer credit

Each individual has a personal project that is important to him and that he can not achieve because of his limited financial means. Acquisition of a more efficient appliance or a new car, financing a holiday in a destination dream or marriage, all these projects are in the eligible files in the consumer loan. Before starting, it is standard to mount the file and follow step by step each step to take.

The use of the simulator / comparator is the first step for anyone looking for small credit. Thanks to this tool, the user knows at first, the exact value of his ability to repay, the amount of the loan he can ask for and its duration, not to mention the APEG (Global Annual Effective Rate) lowest of the market. Then, it has the opportunity to select among many others, a bank offering both a cheaper interest rate and more interesting conditions.

Closing a consumer credit report can also be done online. In this alternative, the granting conditions are easier, provided that the applicant is not the subject of a banking incident.

Conso credit is an effective solution for an urgent financing need. Nevertheless, the applicant must know beforehand, whether he will take out a personal loan affected or a personal loan unassigned (not requiring any supporting documents). In all cases, the amount of the loan granted by the personal loan varies from 500 to 75 000 €.

Declinations of personal loans available on the market

Declinations of personal loans available on the market

Revolving credit or revolving credit. As the name suggests, this type of loan is a cash reserve that the borrower can use throughout the contract. After the payment of each monthly payment, the balance of the loan is automatically reconstituted to have its initial amount. Compared to other credits, the interest rates on the revolving loan are higher. The maximum amount allocated is € 3,000. The required supporting documents are: a proof of address, an identity document and a RIB.

The personal loan without proof. In the majority of cases, the granting of this type of loan so popular with users does not require supporting documents. In addition, borrower expenses and withdrawals do not also require the provision of supporting documentation. Nevertheless, the client must produce evidence of his solvency and it must not be the subject of any banking incident. The amount of the fund allocated to a personal loan without judgment varies according to the case. It enters the range of (1.000-15.000 €).

Other variants of consumer credit at better rates

Other variants of consumer credit at better rates

The purchase of consumer credit is a credit granted to borrowers who may be in a situation of over-indebtedness. An individual hired on several loans does not often pay his monthly payments. He has the option of applying to a bank for the merger of his outstanding loans into one single contract, called the repurchase of credit. In this condition, a new loan amount, another deadline, new monthly payments and attractive rates will be established. A simple borrower can also apply for a credit redemption to take advantage of a new rate that is the lowest in the market.

The non-bank consumption loan is a variant of the loan between serious individuals in which the agreement is made between 2 individuals, outside the banking circuit. Negotiations are conducted in online platforms approved by the state. After the agreement, the lender becomes a lessor. Then, the loan agreement between the two parties is written.

Microcredit is a credit granted to creditworthy individuals who can not access conventional bank credit. The conditions of granting are identical to current loan agreements and the maximum amount of micro-credit is € 3,000.

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