Now, it is possible to apply for your car loan online thanks to the online services that credit agencies and banks have set up. By applying online, you save time because you don’t have to travel, and you can get a response faster. In addition, you can make comparisons at the same time on the websites of credit organizations before making your choice.
Find websites, simulate and apply for car credit online
There are a good number of sites of credit organizations or banking establishments which propose to receive your request for car credit on line. You must sort them and compare their offers based on the explanatory texts, the legal notices at the bottom of the page and the animations on the site.
Before making a choice and before filling out a complete form, you must perform car credit simulations which are available to you on the websites of credit companies. In principle, you only need to define your purchase and set the amount of your credit and the duration you want. Three elements should be noted in your credit simulation, including the Global Effective Rate, the possible administration fees requested and the monthly payment.
Complete the loan application online
After having done the car loan simulations online, you have made your choice on one of the credit establishments which propose the best offer. It is time to complete your loan application online. For this, you must provide personal information, such as your civility and that of your spouse, your date of birth, your profession, your address, your seniority in your work, your type of employment contract and your income. Your current credits are also requested to be able to calculate your debt. With a large debt, you are advised to submit your request to a credit repurchase organization so that the duration of your credits is extended.
When filling out your online application, the credit organization provides you with an agreement in principle, which is given as an indication while it receives the list of documents you have supplied, and then does a study of your request. These documents generally consist of your current credit documents, your last three bank account statements, your last three pay slips, your tax or non-tax notice, as well as your documents, if applicable. savings.