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Reliable money loan offer between individuals


When we have a personal project to finance or when we need a loan of money, we immediately refer to the family circle or acquaintances when we cannot, for one reason or another, obtain a loan through banks and credit organizations.

Fortunately, there is another financing solution: the loan between individuals designated otherwise, community credit, PAP credit or p2p loan (peer to peer lending). Thanks to this new urgent consumer credit offer, everyone will be able to finance their investments at a lower cost, without going through financial organizations or banking institutions. As you are certainly here to apply for a loan for your project, find out more about fast money lending between individuals in 24 hours on our credit simulation site for individuals.

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Loan simulation and credit redemption


The loan between individuals is a borrowing option that operates, in most cases, directly between individuals. It does not require the intervention of a traditional financial institution. In general, the total amount borrowed does not exceed the threshold of € 75,000.

The particularity of this rapid credit without a bank is based on the non-requirement of a specific profile and particular formalities with the borrower. The transaction is based on a relationship of trust and can take the form of an acknowledgment of debt dated and duly signed by the parties concerned or a notarized mortgage loan.

The terms of granting this 24-hour credit without proof outside the banking circuit are made directly between the two stakeholders, ie the lender and the borrower. They will fix in advance the amount of the loan, the date of release of the fund, the interest rate applied, the duration of the easy credit, the monthly payment, as well as the measures to be taken in the event of default.

In the financial context, the lender is also called the lessor. It can be made up of one or more individuals. In the first case, the transaction is done over the counter. In the second, it is a rapid loan with crowdfunding where the borrower contacts several people likely to make him an urgent and express mini loan (the request will therefore be the sum of several microcredit). In this case, all of the sums granted by his creditors will allow him to make his project a reality with the exact amount he will need.

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The advantages of lending money between individuals


Like all financial transactions, peer-to-peer lending has its strengths and weaknesses.

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For the borrower, the loan of money between individuals allows him to:

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- Escape the restrictive terms of the banks.
- Find attractive credit rates. In this fast loan formula, the APR applied must not exceed the usury rate. However, the majority of rates agreed between the two parties are less low and interesting compared to the mini bank loan offered by traditional credit institutions.
- Achieve savings. The additional sums disbursed by the borrower are limited to the administration fees. Which turns out to be very convenient for someone with financial difficulties.

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With the lender, the loan of money between individuals will allow him to:

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- Achieve a capital gain, the amount of which greatly exceeds the return on savings or traditional investments.
- Serve for a good cause. By replacing patrons, it helps third parties who are in financial difficulty to carry out investment projects or to get out of the financial abyss and thus avoid being registered with the Banque de France as a banking ban.
- Make your money grow at lower risk.

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The loan of money between individuals for which project?

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Due to the particularity of the loan of money between individuals, over-the-counter or through crowdfunding, the conclusion of the loan contract is based in particular on the agreement, understanding and relationship of trust between the contracting parties. .

The projects financed by this credit system vary from one context to another and affect all areas of activity. It is for this reason that the types of projects financed by the PAP credit are numerous.

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Community credit can subsidize several types of projects:

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- Car purchase, new or used, ( auto loan )
- Purchase of household appliances or specific materials
- Financing of renovation works ( works credit )
- Financial support for households unable to temporarily pay rental charges and energy bills (
need for cash )
- Alternative to the situation of over-indebtedness, repurchase of credit between individuals or other solutions
- Replenishment of the funds of an individual company in temporary difficulty,

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Quick consumer credit application

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Do you need urgent money to finance a project or to buy something? The best financing solution for individuals available to you in this case is rapid credit without proof. Focus on this type of personal loan online which allows you to apply for urgent credit without having to justify its use.

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Consumer credit is a form of financial loan accessible to everyone. It is intended for individuals and makes it possible to finance the purchase of a good or a service, whatever it is such as the financing of higher studies, a trip abroad, the purchase of a car. , the completion of work ... Know that finding a quick credit online is nothing complicated. You just have to make the request after taking care to compare the offers offered by banks and lending organizations.

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Consumer credit without proof brings its share of advantages such as its practicality, but also its speed, ease and reliability. It comes in different forms such as revolving credit, which gives you access to a certain reserve of money available at all times or the personal loan without proof of use which allows you to borrow up to 75,000 euros. Applying for a cash loan is quick, easy and can be done online. However, it is recommended to present a good borrower profile and to have a repayment capacity. Having the right file with supporting documents can also work in your favor. For this you may have to provide a copy of your national identity card and your last pay slip or proof of stable income. By making your request like this, you will have an immediate response in principle and in most cases you will not have to wait more than 48 hours for a final response. The release of funds will be done quite quickly in addition.

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