Today, obtaining quick and easy loans is not difficult, as long as you know where to look and don’t rely on impromptu “financial” phantoms. Knowing where to look also means knowing the web tool well, since many of these personal loans can be obtained online, with great advantage for the provider, who “skips” some bureaucratic steps, and the customer, who receives the financing in shorter times.
Hence the question that many users ask themselves: are personal loans safer online or in the bank? We try to answer trying to be as clear as possible, it being understood that the majority of personal loans are accessible for both employees and self-employed, with the only exception of the transfer of the fifth.
The difference between an online loan and a bank loan
Personal loans can be requested and obtained in the bank, where a complete estimate plan is proposed with all the information (amount payable, number of installments, interest rates and so on) and then, after viewing some documents, you receive a contract to be signed and the amount requested.
To do this, however, it may take days. The same practice can also be started online in a few hours (see also Immediate online loans): in this case, however, all documents must be scanned and sent by e-mail and in paper form with a signature, after which, if the bank approves, it will receives funding. The doubt of the customers here arises precisely from the sending of e-mails: is the data safe? Don’t you risk a scam?
How to tell if an online loan is safe
The quick and easy loans requested online usually do not cause problems. To be calm, however, it is good to check some things. First of all, the institution to which you are addressing must be known and renowned: better not to trust companies never heard of or who say they were born recently and who are therefore looking for new customers. A good idea is to search the web and gather a lot of opinions on the institution in question.
Secondly, it is necessary to verify whether the bank or financial institution to which the loan is being requested are authorized to operate by the Cream Bank. To do so, consult the latter’s website, under the item “List of financial intermediaries pursuant to art. 106 “. Finally, compliance with the privacy regulations must be made known to the customer when the documentation is sent.