There are situations in which money is needed quickly: The new apartment has finally been found, but with the rent deposit the commission of the real estate agent is due and perhaps a purchase of a new kitchen is also pending. An instant credit with lightning transfer can help overcome the financial bottleneck. There are only a few days between the application and payment of the desired amount.
Cash within 4 to 7 days
Loans that are quickly available can be applied for from both branch banks and online direct providers. To speed up the process, loan seekers should have the necessary documents ready when they apply. Branch banks take a close look at the creditworthiness of their customers: A regular monthly salary of a certain amount and a positive Credit Bureau assessment are essential to get a loan here.
Direct online providers refrain from carrying out an in-depth check of the income situation with instant credit with lightning transfer. Usually the pay slip or the corresponding account statement is sufficient as proof of salary. The online application will be processed within a few hours or even minutes, then the applicant will receive a loan offer by email. He has to sign this and send it to the direct bank together with the necessary documents.
Even with bad credit?
Instant loans are offered with or without a Credit Bureau exam. But even with Credit Bureau-free loans, regular income must be proven. If the applicant is freelance or unemployed, he can apply for the instant credit with lightning transfer with the support of a guarantor. In this case, the guarantor must submit the relevant documents to prove his creditworthiness. For online loans, the identity of a new customer is also determined using the postident procedure. This process usually takes two working days.
If you need an instant credit with lightning transfer, you should include this period in your planning. If the bank approves the loan, the requested amount is paid out immediately and is available to the borrower within two to three days.