Easy loans , what are they? How do you get them?
These are loans that require short time and simplified procedures to be disbursed. It is, in principle, so-called fast loans or small loans or even online loans.
The ease of disbursement consists mainly, in fact, in the fact that these loans do not require a long preliminary investigation and, therefore, are provided in a short time , compared to the date of request.
It is quite obvious that the amounts credited are, in general, low , ie a few thousand euros, although solutions exist even for several tens of thousands of euros.
But as the amount grows, the guarantees required by the customer also increase and consequently the same delivery times, which make the financing less easy.
Another feature of easy loans is that they are mostly found on the internet , where the loss of traditional banking or “brick” financial intermediation makes the transaction faster and often less expensive.
This is the reason why they are also called online loans , although they are not necessarily the same.
Speed and low costs are the characteristics of easy loans.
However, we must not delude ourselves that these are always and in any case provided or that the time for the actual crediting in favor of the applicant is so immediate, as is often the case.
It is true that several solutions are available for providing easy financing even in a few hours, but generally it takes at least two to three days from the time of the request, before obtaining liquidity. And as long as no problems arise in the brief preliminary investigation phase.
Therefore, it is always advisable to keep all the necessary documentation ready at the time of the request, be it online or at a bank branch or agency.
This means having a pay slip, or a single model for a freelancer or a self-employed person, or a pension slip for the pensioner; a tax code and an identity document, in addition to any other guarantees required, based on the specific nature of the loan.
Thanks to the non-existence, in many cases, of classic mediation structures (bank branches, physical financial agencies), easy loans are also less expensive than traditional ones, as they do not burden the relative typical costs (light, rent, various personnel, etc.).