Banks are lending more and more difficult. Borrowers have trouble getting consumer credit. Result: They are looking for alternative financing solutions. Financing without banks, especially with the help of loans without banks, is both accessible and advantageous, thanks to the rise of web 2.0.
The benefits of a consumer credit
Consumer credit is the most common personal payday loan. With a consumer loan, you can borrow between 3,000 to 75,000 € (40,000 euros at creditstair Credit). The repayment term is greater than 2 years and does not exceed 6 years. Consumer credit can quickly finance a car, a wedding or a trip. Its main features are:
- a 14-day retraction period;
- fixed monthly payments;
- a partial or total refund without penalties (except in exceptional cases);
- You can use the sum as you please. Consumer credit is a flexible and fast solution. It allows the borrower to air themselves financially and to face the unexpected:
- loss of income;
- accident of life;
- Quick replacement of a broken property.
Borrowers who have been refused must find alternative financing solutions. Financing yourself with the personal payday loan, for example.
The personal payday loan
personal payday loan is an alternative mode of financing. Its principle? Investor savings are used to finance the projects of individual borrowers, without going through a bank. The interest rate between investors and borrowers is determined freely within the limit of the rate of wear. The personal payday loan between individuals allows to finance without going through the box “intermediate”. It therefore allows:
- reduce the cost of the file;
- to benefit from advantageous interest rates.
- get quick answers to his requests.
However, it is important to distinguish direct loan between individuals and the loan via an internet platform for linking. The direct loan between individuals is sometimes complicated: insufficient funds or unlocked late, difficulties to prepare the loan documents etc. To finance without banks through a collaborative system, it is better to go through an internet platform.
Loan withoutbank via internet platform
A platform for linking individuals and investors provides important guarantees: it acts as a trusted third party between the two parties. Its principle is simple: the money lent comes from individuals or institutions, who entrust their savings to creditstair Credit to invest in the real economy, by financing the projects of French households. Interest paid by households is fully repaid to lenders. There is no additional charge that would be added.
- purchase of a new or used vehicle;
- housing development;
- young active loan;
- financing a marriage;
Borrower files are scrutinized by platform staff. The answer is fast and clear: the agreement in principle is given during the online application. And the final financing agreement is done within 24 hours * after receiving all the necessary documents for the file. Other advantages of an internet platform like creditstair Credit: interest rates are lower than most banks. Unlike traditional lending institutions, the lending platform does not have any significant structural costs:
- no agencies;
- no regional headquarters;
The decision process is optimized. The lending platform can focus solely on its financing mission.
* Final decision within 24h: Upon receipt of your complete file, creditstair Credit can give you a response in the 24h worked by SMS in the case of an acceptance, and by email in the event of a refusal.