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Online non-binding loan application

Today, everything can be done on the internet. The request for credit, the loan without commitment does not dislodge of course this rule.

But before opting for this alternative, we advise you to read the few lines below.

Online non-binding loan application: understand the principle and how to use it

Using a loan is often necessary to carry out certain projects. You can choose to call a friend, a loved one or even go through a specialized financial organization. Suffice to say right away that the second alternative is by far the most prudent. There are different ways to apply for credit: you can opt for the standard procedure by going to an agency or choose to apply for a loan online.

Depending on the case and the lender, a loan can cost you between 2 and 20%. Before taking the plunge, we believe it is important to make you understand its principle and how to use it.

Online credit, loan without commitment: the principles

Online credit, loan without commitment: the principles

Online credit has now become one of the most common solutions to finance a new project, whether for the purchase of an apartment, a house, a car, for the renovation of real estate or to deal with everyday money problems. Online lending is now one of the options available to consumers by various financial organizations. The customer himself chooses the conditions as well as the repayment deadline and he must not return to the bank in case of missing documents.

The advantages of online credit

The advantages of online credit

Using a loan online is above all ensuring a quick response, as much for a consumer loan as for a mortgage or a loan repurchase. By subscribing to an online loan, you will benefit from a simple and rapid procedure and, unlike a conventional loan, you will know within 24 hours whether your request has been accepted or not.

In addition, by choosing this option, you will have at your disposal all the useful information in order to properly choose your lending organization. Thanks to a credit comparison tool, you will be able to find the best offers available on the market, without any commitment.

With taking out credit online, it will only take you a few minutes to complete the application form. You will then be contacted by an adviser who will be responsible for studying your file. The online loan application can be done anywhere and especially at any time. The only constraint you will encounter is having access to the internet. It is no longer necessary to make an appointment with an adviser or a bank branch during office hours.

How to apply for credit online, a loan without commitment?

How to apply for credit online, a loan without commitment?

There are so many credit offers on the market that it will be difficult for you to make the right choice. To get there, the internet is without a doubt your best ally. You just have to type the words “online credit” in a search engine to get all the sites that talk about it and / or that offer it. A loan comparison will allow you to find the offers that best meet your needs and expectations. After making your choice, you just need to fill out an online request form.

You will be asked for some personal information such as:

  • your first and last names
  • your address
  • the type of activity you do
  • the amount of your monthly income
  • Your current credits.

This information is essential! It is on them that the bank or the lender will rely to give you a favorable answer or not.

If your debts are already very large, you can opt for a credit repurchase in order to extend the repayment term. You will then be asked to provide supporting documents.

For example :

  • the last three bank account statements and proof of salary
  • tax and non-tax notices
  • supporting documents for credits in progress.

Generally, the requested funds are obtained in less than 15 days on the account of your choice.

Travel and discovery with a vacation credit

Adventure enthusiasts constantly aspire to discover new horizons. However, budgetary restrictions limit the distances to be traveled. Do you want to travel to the end of the world? It is possible with holiday credit!

A personal loan entirely dedicated to travel. Banks and credit organizations have set up financial alternatives for individuals. This is a personal loan which aims to help households in the accomplishment of projects of all kinds, such as family or romantic holidays, a road trip or tourist discoveries of foreign sites.

Get a travel loan – vacation credit easily

Get a travel loan - vacation credit easily

In most cases, the budget problem is the main reason preventing a family from going on vacation abroad. A project that requires significant capital if we plan to provide family members with an unforgettable stay in Hawaii, Miami or any other exotic destination around the world.

Banks have designed financial solutions dedicated to individuals. It is a personal loan to realize the dreams and aspirations of a household. A common alternative in the financial sector since it does not require any particular justification. A specialized loan to make your travel plans a reality is therefore available from Belgian and Luxembourg banks and financial institutions.

We speak in this case of vacation / travel loan. Credit is easily obtained once the request is made to the organization of your choice. There are several ways to apply for a travel or vacation loan. A travel loan application can be made directly online. Once you have chosen the bank, you will need to complete the loan application form. Then, you only need to provide the amount of the credit and the monthly repayment periods. A procedure that is simple and without obligation.

With Across Lender, simulate your holiday credit with our online simulator.

The direct approach of a credit institution also remains possible. This option will simply require a trip to the organization. In all cases, the borrower must take into account the conditions for obtaining a travel credit. They may vary from bank to bank.

Important details about applying for travel credit – vacation credit

Important details about applying for travel credit - vacation credit

As its name suggests, a travel / vacation credit is capital allocated to an individual by a bank or a credit organization to finance a trip, vacation or any other activity related to this type of project. As a personal loan, the debtor will not have to provide specific supporting documents. All they need to do is apply and fulfill the essential conditions for obtaining it, which are:

  • have a stable financial situation (age does not matter too much since the borrower is of full age and has a job)
  • be domiciled in Belgium or Luxembourg in order to enjoy the advantages of banks located in these localities. To this end, the bank could ask for residence permits in addition to proof of domiciliation since some organizations may be more demanding than others.

Essential provisions for a travel credit

Essential provisions for a travel credit

The measures to be taken when taking out a loan are based on three essential points.

The first concerns the comparison of the APRs offered by the numerous organizations. You can use a loan simulator to compare the offers available on the Belgian financial market. In this way, you will get credit with affordable rates adapted to your repayment capacity.

The second is to do an analysis of your financial state and the choices available to you. In order to avoid the risk of non-payment, this decision must be carefully considered. It is also imperative not to be on file with the Bank in Belgium.

The third essential point is to consult your Across Lender broker. The latter is a financial expert who has the necessary qualifications to find the ideal loan formula for you.

The overall effective annual rate is around 5.95%.

The repayment of the credit generally takes place between 24 months and 84 months.

The vacation loan is a personal loan.

It is also possible to make an installment loan or a consumer credit.

Energy loan: the essential details of credit

In the category of personal loans, there are multiple credit formulas intended to help individuals carry out their projects. Energy credit is one of them.

Renovation and interior design projects often fall under the category of work loans. If you plan to change the decoration and / or customize your house, this formula is made for you.

The big news for this kind of offer is that in Belgium you can also benefit from an energy credit. A financial solution that helps lower energy costs.

Get a green loan, an energy credit in Belgium and Luxembourg

Get a green loan, an energy credit in Belgium and Luxembourg

The procedure for obtaining loans in Belgium remains the same. To take advantage of Across Lender’s offers, the first condition is to be domiciled in Belgium or Luxembourg.

The energy credit concerns households wishing to renovate their homes. In particular, renovations concerning energy installations. Green credit, known in Europe, is strongly encouraged by the government.

Indeed, this kind of initiative enters into the general policies of the State, to preserve the ecosystem by replacing all these energy installations by more ecological and less energy-consuming materials.

The household thus adopts an ecological behavior and slows down its energy expenditure. A fact which justifies the fall in the rates allocated to green credit. However, each bank offers a different rate depending on their offers.

The energy loan therefore has many advantages since it falls into the category of personal loans or work loans. In this case, the borrower can define the amount of his monthly payments and choose the repayment deadline. The capital obtained will help carry out the necessary work.

In terms of amount, an energy credit can amount to more than $ 200,000 depending on the financial situation of the debtor. This will result in a period of 3 to 120 months to repay the entire loan.

For more details, it is preferable to contact our Across Lender agents directly or to do an online simulation.

Conditions and documents to provide

Conditions and documents to provide

To benefit from a green credit, you must have a solid financial situation, which will allow you to repay your loan without great difficulty. The more stable your situation, the greater the chances of obtaining a large sum. You must then complete your file with the following documents:

  • Copy of identity card and personal information
  • Residence certificate to justify your domicile (in Belgium or Luxembourg)
  • Copies of pay slips for the last three months
  • Details and information relating to your banking situation

The list of documents may change depending on the bank. Some may be more demanding than others. For more information, contact us directly via our contact form or by phone. In this way, you will be fixed on the procedures to follow to benefit from a green credit as soon as possible.

As earmarked credit, the capital must be mainly dedicated to work related to energy saving. All the details as well as the procedure to be followed will, of course, be mentioned in the contract.

What is an energy credit?

What is an energy credit?

Aside from allowing households to save on their energy costs, this loan is mainly intended for the purchase of machinery and materials or for carrying out certain works. Purchases will simply make the house more economical and greener. An energy credit is therefore granted for:

  • Roof renovations to curb energy loss
  • The installation of solar panels or photovoltaic panels (solar energy).
  • Water heaters
  • Low energy devices
  • Etc.

Individuals who wish to renovate or undertake work related to their energy concerns can always apply for another type of credit.

Indeed, it is not only the energy credit that can help you finance your work. There is also the renovation credit and especially the mortgage credit. The difference with these two types of loans is that they have higher rates especially the home improvement credit.

However, green credit remains, without a doubt, the most suitable financial solution due to the low rate allocated to this loan. In addition, capital can also be used for other projects. Many people use 25% of their funds for other repair work.

Our Across Lender online simulator allows you to find the best energy credit formula possible. You just need to choose the formula that meets your expectations. Applying for a green loan online is feasible and easy to do at your financial institution’s site.

Credit comparison procedures are recommended to ensure a better choice of formula.

Get the best rate by simulating your online credit at Across Lender.

You can also simulate a personal loan in Belgium.