A practical guide that will be very useful for making a loan application online. Let’s find out how to correctly apply for personal loans and change them directly from your home computer, with the required requirements and all the documentation you will need to have on hand.
Personal and online loan request: what are the requirements?
On this page we will explain in detail how to make your loan application completely online. In particular we will deal with both the classic personal loan and the loan, so as to discover the various differences that exist in the requirements and in the methods of request. First of all it is therefore necessary to give an exhaustive definition of personal loans and loan changes, in order to better understand what we are talking about. Personal loan is a form of non-finalized financing, aimed at anyone who needs a certain amount of money. The definition “personal” indicates that it is aimed at satisfying the personal needs of a private individual, and therefore differs for example from loans for professionals, whose purpose is to finance projects related to their work.
The personal loan is the most requested form of financing precisely because it is aimed at a rather large clientele. You can ask for a personal loan online, for example in case you need to buy a new or used car or motorcycle, or to renovate your home, buy furniture or appliances, or even buy smartphones, tablets, televisions or organize trips and ceremonies. The loan is instead a form of financing that as regards the purpose is similar to personal loan, but is aimed at particular categories of customers as we will see better later. The main obstacle when we want to request any form of online loan is that of the requisites required, without which it will not be possible to obtain the desired sum of money. These will depend on the bank to which we will address: based on the regulations of our bank or financial institution we will in fact be required more or less restrictive requirements. However, we can consider those that are the most common.
First of all, as regards the customer’s personal data, the first aspect to consider is that of residence. Regardless of the bank to which we are going, it is essential to be resident in Italy to apply for a loan online or in a branch. A particularly important data is the age of the applicant. From this point of view a lot depends on the company to which we decide to request our financing. In any case it is obviously essential to be over 18 years old, while as far as the maximum age is concerned, this can go from 70 to 80 years. The personal documents that we will need to have on hand to request a personal loan or exchange them online are the identity card and the health card.
To the requirements that we have just considered are added those concerning the economic guarantees that we can provide to the bank. In fact, it is necessary to prove that you have an income that allows you to tackle the monthly repayment installments without problems. The best guarantees for applying for a personal online loan are the pay slip and the pension slip : these allow the bank to be guaranteed a fixed income secured every month. Employees and pensioners will therefore have no problems receiving a personal loan online. As regards the self-employed, the income document that is usually requested by the main credit institutions is the income tax return and therefore the single model. In this way, therefore, those with sufficiently high earnings will be able to receive the desired sum of money without problems.
Loans are a form of financing mainly aimed at those categories of customers who are unable to obtain a personal online loan, and are provided by credit institutions or private individuals. Thus, for example, unemployed people, bad payers or self-employed workers who do not have access to personal loans can request them. The main feature of this second online financing option is to provide for a repayment through the payment of bills of exchange. The requisites required to compensate for the lack of sufficient guarantees are usually the presentation of a guarantor, or of alternative incomes to the pay envelope (rent of buildings). The risk linked to the request for an online loan is represented by the repayment method. The bills of exchange are in fact executive securities, which means that the lender can use them to sue his client and request the confiscation of the assets.
Guide to correctly request an online loan from the best banks and financial institutions
After analyzing the main features of the personal and loaned loans, with the requisites that will be asked of us, let’s see how to apply for a loan online correctly. Many are somewhat frightened by this mode of request, however as we will see in the next paragraphs it is really easy to complete our request directly from our home computer. In this way we will have the possibility to save a lot of time, and therefore we will be able to reduce to the minimum the delivery times of our financing. Nowadays almost all the major credit institutions offer us the possibility to request a personal loan or exchange them directly online, without having to go to the branch. In our guide we will see how to correctly apply for an online loan to the best banks and financial companies in circulation.
How to apply for an online Ultranix personal loan
The first credit institution that allows us to apply for a fully online personal loan is Ultranix. This company is undoubtedly one of the best from this point of view: as reported on its website, in fact it will be enough for us to follow the guided procedure to complete our loan request up to 30000 euros in a few minutes. Once the online loan request has been submitted, it will be evaluated as soon as possible and once the money we have requested is approved, it will be credited to our current account within 48 hours. The first thing to do before proceeding with our online loan request is to carry out a loan simulation with a quote calculation. To do this we simply need to enter the amount in which we are interested in the appropriate space and click on ” Calculate Installment “.
The screen that we will find in front of this point shows the estimates for all the loan options offered by Ultranix for the amount we are interested in. Therefore, a monthly repayment installment and interest rates Tan and Taeg will correspond to each term. Based on our preferences we will therefore select the best Ultranix loan and we will be able to proceed immediately with the online request. At this point it will be enough to insert our personal data, our personal data and work data to forward our personal loan request. To follow the progress of the request it will be enough to visit the Agos website, and after the evaluation by the company we will receive an email with the result: in this way we will have saved not a little time!
Cleopar financing: how to request correctly through the website
Another credit institution you can contact to get a loan online is Cleopar. Also in this case the amount that can be requested is up to 30000 euros, and we will have the possibility to choose the duration we prefer based on the repayment rate and the interest rates applied. There are several financing options that we can choose before proceeding with the request. In addition to the ” Ottimo ” loan, which is the standard version, we can in fact choose the ” Total Flex ” option, which allows us to take advantage of additional services such as skipping the installment or changing the amount, and the possibility of renewing the loan by requesting additional liquidity. For the management of our loan it will be enough for us to connect to the Cleopar website and select all the options online.
To correctly apply for a Cleopar loan it will be enough to follow the very simple guided procedure. In particular, you will need to have a valid identity document, health card or tax code card, and an income document. Based on your data you will be presented with a Cleopar online loan quote, which will allow you to easily identify the solution that is right for you. At this point you can simply proceed with the request and in a few days, in case of acceptance by the company, you will have the desired amount to carry out your projects.
Findomestic personal loans: online request in a few clicks
Another form of financing that you can easily request online is Findomestic personal loans. The first feature of this product that catches the eye already from the homepage of the company’s website is the amount that can be requested. Unlike the credit institutions seen so far in fact in this case the sum of money to which we can have access goes up to as much as 60000 euros. So this is a solution that allows us to carry out even more important projects, but which we can request completely online in just a few simple clicks. The first step of our online loan request is always the same, namely the calculation of the free estimate.
In the case of Findomestic online personal loans, we are asking for the project we want to carry out. In the drop-down menu there are all the possible purposes, among which we can also choose “Other Projects” if we only need liquidity. Subsequently we will have the possibility to specify the installment that we prefer before selecting the desired amount. In this case, the loan simulator will present us with the monthly payment and the interest rates for the various repayment plans available. By selecting the best Findomestic loan for us we will be able to proceed with the actual online loan request, in which we will request all personal data and economic guarantees. In a few days the amount will be paid to the current account specified at the time of the request, and from the same account every month the monthly installments we have set will be withheld.
Poste Italiane Loan: is it possible to apply online?
Among the best personal loan options currently on the market are Fostal Bank loans, offered by Poste Italiane to its customers and not only. Among the positive aspects of this company there are the numerous products among which we can choose: for any need we have a dedicated loan available. In addition to specific solutions for buying a car, buying or renovating a home and consolidating debts, we find the Fostal Bank Online loan. This product is dedicated to those interested in submitting the request directly from their home computer, without having to go to the post office.
The Fostal Bank Online loan is a product intended exclusively for holders of a Fostal Bank current account who have activated the Internet Banking service. The amount that can be accessed through this personal online loan ranges from € 3,000 to € 30,000, repayable with a repayment plan ranging from 24 months to 84 months. To present the request, it is necessary to log in to the Poste Italiane website and follow all the steps of the guided procedure, in which we will be asked for personal data and all the documentation that would be requested in the post office. The online loan request is 100% secure thanks to the use of the digital signature, which allows us to identify ourselves just as if we had gone to any post office.
Government Agency subsidized loans: requirements and how to request them
To conclude our analysis of personal and online loans, it is also important to consider the concessionary loans by Government Agency. These products are now fully managed by INPS, but have retained all the features of the old Government Agency loans. It is in fact the cheapest financing in circulation, given that they protect certain categories of customers. In particular, the personal INPS and Government Agency loans are aimed at public employees or pensioners, offering decidedly competitive interest rates. By visiting the INPS website, it is possible to consult the various financing options, with the categories of customers who may have access to it.
To present the Inps online loan request, it will be enough to contact one of the affiliated credit institutions. Turning to one of the companies on the list of those that have joined the INPS Convention, we can be sure of obtaining financing from the Government Agency subsidized rates. As for the sale of the fifth, a very useful online service is the calculation of the transferable quota. With regard to the request for a subsidized loan Inps ex Government Agency online, it will therefore be sufficient to proceed with the request through the website of one of the credit institutions affiliated with INPS.