Governed by the code of consumption, the personal loan is therefore subject to the same operating rules as a more conventional consumer credit. To subscribe to a personal loan, it is, therefore, possible to apply to the same lending institutions as for an assigned credit or consumer credit, for example.
Who to turn to for a personal loan?
As for most types of loans today, the subscription of the personal loan can be done in most financial organizations in France. It is up to the applicant to take steps to find the solution that best suits his current project.
Thus, it is possible to take out a personal loan in a traditional bank, usually, you have to go through a financial advisor to determine the most advantageous conditions for the bank and its client,
With an online bank, the steps can be taken by telephone or directly via the Internet by filling out online inquiries.
With a credit institution, which is generally more open in its lending terms, the credit agency still requires a certain amount of collateral to ensure the solvency of its clients and secure its loan.
Unlike the assigned credit, which is dedicated to a particular purchase, the personal loan can relate to different expenses and can be taken in the financial institution at the customer’s choice, no constraints at that level.
Compare well the offers of personal loan
Before subscribing to a personal loan, it is important to know all the offers on the market, as well as their advantages and disadvantages.
Today, most of the websites of credit organizations can thus make loan simulations and thus know the most interesting.
These generally take into account different personal criteria as well as the applicant’s financial situation.
Note that some online comparators, more independent, also propose to obtain an objective list of the best personal loans offered on the market.
Apply for a personal loan subscription
Once you have found the right credit organization, you have to apply for a personal loan. Simply contact the desired establishment, whether via the Internet, telephone, or directly at the counter in order to have a financial advisor face to face.
When the various administrative forms are completed and the supporting documents requested by the lender have been given, just wait for a response, positive or negative.
The best place to take out a personal loan depends on the needs of the time of the future creditor. Online banks will offer some speed, traditional banks a guarantee of security, and credit agencies are easier to access.
In the event of acceptance of the file, it is sufficient to return the credit offer completed and signed and wait for the statutory withdrawal period.