Making a loan request and a fast loan is a much simpler operation than anyone who is completely fasting on the subject could imagine: you can contact either a physical agency near home, in your city, or contact the financial company directly through the official website and get a quote in a short time with all the cost items. In both cases the procedure is substantially the same, but the use of the web undoubtedly allows to reduce the times, so for the request and the estimate of a fast loan the second option is preferred, above all for those who need to obtain the desired capital as soon as possible.
What funding can you apply for?
In addition to being able to apply and quote a quick loan, also other types of financing are subject to the same process, ie
employee loans, debt consolidation, loans to buy cars and motorcycles, or even the loan for the purchase or renovation of the property.
So it is possible to go to the agency physically, or complete the entire application for financing via the web with your PC or smartphone, to request numerous financial services in the ways that we will now explain in more detail.
Request and quote for a quick loan at the agency
So let’s look at both options briefly: first of all we go to the desired financial company, if we don’t know who to rely on, the advice is to privilege the national institutions that have branches all over the territory, and those that mostly meet the favor of users. Maybe you can read the reviews by searching on search engines, because often even the most local ones offer interesting financial solutions even for those who are in delicate situations or those who have never requested credit before, for which it has no financial profile. Going into the office it is good to bring with you:
- Copy of the identity document
- Tax code or health card
- The last two payroll for employees
- Copy of the tax return for self-employed and professional workers
- Discount slip for pensioners
- Residence permit for foreigners residing in Italy
This is the basic documentation, for each individual case it is possible that the user will be asked for additional certifications, but generally on the basis of this material the request and the quick loan estimate are made: the financial one will offer the customer an immediate prospectus on the basis of the income received, the required amount and duration of the expenditure repayment plan that will have to meet to return the sum he may have received. Once the creditworthiness of the applicant has been ascertained, the sum will be paid out within a few days or even within 24 hours, and the financing contract stipulated in absolute transparency as required by current legislation.
Request and quote for a fast web loan
To get a fast loan, the web is the best solution because it allows you to shorten the time by eliminating many intermediate steps, especially without special efforts for the customer, who can forward everything in a few minutes from the comfort of home. First of all you can take advantage of the portals present on the Net that compare the various financials to understand what are the financing conditions, the interest rates applied on average for the amount you want to receive: once you have found the desired institution, you can apply for it and a quick loan quote directly on the official website. In the site
it is present above all in almost all a simulator where you can make all the various combinations between desired amount and number of monthly installments to repay the loan in order to calculate the most sustainable installment amount. The way to request the financing directly instead is to fill in the form on the dedicated page, where you have to enter your personal and financial data, and receive the response in a short time.
If you get the go-ahead to proceed with the financing, you send the necessary documentation to the finance company and you can enter into the loan contract also by doing everything online, without any security problem and in full respect of privacy.
Loan simulation and installment calculation: how much does it really cost a loan?
It is important before making a request for a quote for a quick loan to perform a loan simulation and make a calculation of the monthly installment to be paid, in order to get a precise idea of the costs that will be faced. In addition to the installment amount dictated by the amount requested and the months making up the amortization plan, ie the number of payments necessary to repay the entire sum agreed upon plus interest, there are two values expressed in figures and an abbreviation to differentiate them, which are very important: the first is
TAN, an abbreviation for annual rate, or the interest rate that is applied to the amount. Often this figure is offered fixed when it comes to loans, thus giving the certainty of an installment that remains constant over time from the beginning to the end of depreciation.
However, this value only partially explains the costs that will be incurred when a loan is stipulated: this is why it is essential, when applying for and providing a fast loan, to look at the
TAEG, an acronym that indicates the Annual Global Effective Rate, which shows the sum of the tax burdens and the total costs related to the loan in addition to the simple rate. Expenses ranging from the practical opening to various commissions, stamp duties or possible early repayment of the loan, all cost items that must be reported later on the contract and which can also be largely or completely free, to depending on the policies of each institution.