Express loan: how to get a credit quickly

Personal loan auto, motorcycle, work or projects, after orange bank agreement and withdrawal period of 14 days, making it possible to finance an automobile, projects or repair, improvement or maintenance work, excluding construction work (notably requiring a building permit).

Personal loan

This simulation is indicative and without contractual value.

Terms

Personal loan

Personal loan auto, motorcycle, work or projects, after orange bank agreement and withdrawal period of 14 days, making it possible to finance an automobile, projects or repair, improvement or maintenance work, excluding construction work (notably requiring a building permit).

Representative example

For a personal loan of € 8,000 borrowed over 48 months at Overall effective annual rate (TAEG) fixed from 5.99% (fixed annual debtor rate of 5.83%), excluding optional insurance, you reimburse 48 monthly payments of € 187.26. Total amount due: € 8,988.48 (including € 988.48 of interest and without case costs). The total amount due for the optional insurance (excluding senior insurance) over the total lending time is € 268.80, a monthly cost of € 5.60 adding to the reimbursement maturity and a TAEA * (An annual insurance rate of insurance) of 1.61%. Example on the basis of a 1st deadline at 30 days. Conditions in force in May 4, 2023, likely to change.

* The TAEA incorporates the cost of the following guarantees: death, total and irreversible loss of autonomy, total temporary incapacity, total permanent disability.
Personal loan after Orange Bank agreement and withdrawal period. Pricing from 5.60% to 21.15% TAEG (overall effective annual rate) fixes depending on the duration, the amount, the object of the loan and the situation of the borrower. Optional insurance taken out by the bank with Groupama Gan Vie.

A credit commits you and must be reimbursed. Check your repayment capacity before you commit.

And if you also enjoy it ?

• Express loan advantages
• Borrower insurance

0 Sounds fee

Whatever the amount borrowed

100% digital

Request and signature from your computer, tablet or smartphone.

Without changing the bank

You can subscribe to the express loan regardless of your bank, without having to open an Orange Bank bank account.

Immediate response

After analyzing your income and charges, you receive an immediate final response. To be Express, it’s Express.

Borrow two

Add a co-borrower to see things big.

Adapted funding

For all your projects: life events, marriage, moves, children’s studies, work etc.

Terms

Without changing the bank

In accordance with the law

Immediate response

In the event of information communication via banking aggregation, and subject to the completeness of the file

Provision of funds

Unlocking funds within 8 or 15 days depending on the choice of the customer, after the last regulatory verification, in accordance with the law

Protect yourself and your loved ones

Insurance covers payment of your loan in the event of death or disability.

Benefit from full coverage

You are covered in the event of death, accident or illness, or total and irreversible loss of autonomy.

SIMPLIFY YOUR membership

Simplified medical and health questionnaires.

In order to obtain information on the Revised Aeras Convention on July 22, 2019 (ensure and borrow with aggravated health risk), you can call 01 43 60 01 52 (call not surcharged), send an email to this referral [email protected] or write to Orange Bank – Madame la Referement Aeras, 67, rue Robespierre, 93107 Montreuil Cedex. The full text of the Aeras agreement, as well as a mini-guide Aeras can be downloaded from the bank page page.

Personal projects you can finance

Life events, travel, high-tech equipment, other personal projects

High-tech, IT, audiovisual equipment
Computers, televisions, screens, tablets, home cinema, smartphones ..
Life events, weddings, births
Holidays, ceremonies, children’s studies, driving license, studies abroad ..
Travel, transport, accommodation
Plans, trains, hotels, vacation clubs, campsite, rentals, holiday homes ..

Ask for your personal loan in 5 minutes

1 simulate your loan

To finance your project

2 Send your request

by connecting your main bank bank account in a secure manner

3 Sign electronically

online and in a few clicks, as soon as you accept your file

within 8 or 15 days, on the account of your choice

Julie wants to finance the higher education of her daughter.

Julie chooses the express loan to finance her daughter’s studies at a price of € 8,000.

She decides to borrow over 48 months from Overall effective annual rate (TAEG) fixed of 5.99% a fixed annual debtor rate of 5.83%. Excluding optional insurance, Julie will therefore reimburse 48 monthly payments of € 187.26.
Her Total amount due will be: 8,988.48€ €, Including € 988.48 in interest and € 0 in orderly fees. The total amount due for optional insurance, for an aged customer under 65, over the total lend period is € 268.80, a monthly cost of € 5.60 adding to the reimbursement deadline and a TAEA* (an annual insurance rate of insurance) of 1.61%. Example on the basis of a 1st deadline at 30 days. Conditions in force in May 4, 2023, likely to change.
* The TAEA incorporates the cost of the following guarantees: death, total and irreversible loss of autonomy, total temporary incapacity, total permanent disability. Personal loan after Orange Bank agreement and withdrawal period. Pricing from 5.60% to 21.15% TAEG (overall effective annual rate) fixes depending on the duration, the amount, the object of the loan and the situation of the borrower. Optional insurance taken out by the bank with Groupama Gan Vie.
A credit commits you and must be reimbursed. Check your repayment capacity before you commit.

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Your most frequent questions about the express loan

What project can I finance ?

Whatever your project, we can bring you a solution.

You want to buy a new car (new, used or electric), a new motorcycle or a motorhome, we can finance your projects.

How much can we borrow ? On what duration ?

The amounts and financing durations vary depending on the project. We only offer amortizable loans from 1.000 € up to 75.000 € maximum over a period ranging from 12 to 84 months.

What are the supporting documents to provide ?

For salaried customers, you will need to provide your salary slip and the last two account statements of your main bank.

For non-employee customers, you will be requested an identity document, proof of address, your tax notice and the last two accounts of your main bank. You must send these documents when subscribing to your computer or phone.

What is the express course ?

The express course is:

• A subscription in less than 5 minutes
• An immediate response (in the event of information communication via banking aggregation, and subject to the completeness of the file)

Under what period can my funds be made available ?

When subscribing, you will be able to choose the period of provision of funds (8 or 14 days) after the signing of your contract, subject to the bank’s agreement, after the last regulatory verification and in accordance with the law.

If you opt for 8 days, your withdrawal period will always remain 14 days.

Do you have to hold an Orange Bank account to take out a loan ?

No. The subscription of an Orange Bank personal loan is possible for any natural person is 18 years old and over, residing in France and justifying regular income, without obligation to hold an Orange Bank bank account, in accordance with the law.

Is it possible to have a co-borrower ?

Yes for loans of € 5,000 and more. When subscribing, you will be asked if you take alone or two. It is at this step that you can choose to add a co-borrower. You will then have to inform the identity, income and charges of your co-borrower. The latter must also sign the contract via the electronic signature as soon as you have received the bank’s decision on your request.

How to sign electronically ?

As soon as the agreement of your file will be communicated to you by Orange Bank, we will receive an email inviting you to sign your contract.

What borrower insurance then I subscribe ?

Subscribing a credit is an important act. You will reimburse a credit over several years and nobody is immune to unforeseen events that can occur in the medium / long term. Thus, we advise you to join the borrower insurance that we offer you when applying for credit. This insurance cannot be taken out after signing the credit. Make the good choice.

Why am I asked to connect to my bank ?

In order to simplify your loan request and get an immediate response, you can log into the personal space of your bank,

Is the connection to my bank secure ?

Yes, your bank only transmits your latest account statements and your RIB.

Express loan: how to get a credit quickly ?

Express credit is a quick loan: you can get funds within 7 days. This consumer credit allows you to deal with emergencies or finance a project quickly. To obtain a credit quickly, you will have to fulfill the conditions of the bank and send your complete file as soon as possible.

How a quick loan works, what are the deadlines to meet and how to make your request … We tell you everything.

What is an express credit ?

Express credit is a loan whose funds are available to you within shortened deadlines. This rapid consumer credit makes it possible to finance pressing expenses or to fill an unexpected money need.

For get a loan quickly and easily, The personal loan is much more indicated. Not having to justify its use, the formalities are simpler than for an affected credit. The release of funds does not require having an invoice or attest to a delivery and is done directly on your account. Which is not the case for an affected loan.

Fast credit can also take the form of a revolving or revolvable credit credit. The advantage of this consumer credit: it is a Reserve of money that is reconstituted As your reimbursements progresses. But depending on the amount, its obtaining can be longer.

What is the legal deadline for unlocking funds ?

For an express personal loan, you Receive the funds within 7 days minimum, After signing the bank’s offer. Standard deadlines are 14 days. Even with express credit, The withdrawal period remains 14 days.

Just like a standard credit, with fast credit the bank must also ensure your solvency. However, it can send you a Answer within 24 hours to 48 hours. Even if you accept its offer in stride, the funds will not be available immediately.

Obtaining a credit in a shorter period, in 24 hours for example, is rarer. The amount is often capped at € 2,000 and the conditions for obtaining or reimbursement are often more strict.

Our advice

For an urgent need of money, it is better to apply for a credit from an online bank. The request only takes a few minutes, you do not have to move and the answer can be almost instantaneous.

Why take out a quick loan ?

Express consumer credit can be used for an imperative or to finance a matured project, which you finally want to concretize. You may use it for:

• Buy a used car that it took you months to find;
• Replace your washing machine, broke down a few days earlier, with a new;
• Fill your bank overdraft;
• Finance a major last minute trip;
• Anticipate your upcoming health costs ..

Our advice

Even if you face a hard blow, take the time to reflect. Subscribing a credit is not without consequences and engages you. The higher the amount to be borrowed, the more careful you need to move forward. Even in an emergency situation, it is better to compare at least 3 loan offers, to find the most suitable. This can be done very quickly thanks to online simulations. Concentrate on the proposed TAEG, on the number and the amount of monthly payments. Make sure your refunds will not put you in an over-indebtedness situation.

Also, in case of doubt, take advantage of the 14 -day retraction period to reassess your decision.

What is the maximum amount I can get quickly ?

Legally, with consumer credit You can take up to € 75,000. At least you can ask your online bank € 200. For the express loan, the amount remains the same.

However, for some banks, the more the amount borrowed is important and the less you will be lucky to obtain funds.

Quick credit: which documents to provide for my file ?

If, at the time of your loan request, your file is complete, it will be processed more quickly. You can get a response in principle immediately. It is therefore important to provide all the requested parts to save time:

• An ID ;
• Your last salary slips;
• Your latest tax notices;
• Proof of address ;
• A bank account number.

What are the alternatives to express loan ?

In addition to the express personal loan and the Revolving credit, you can opt for a mini-credit or for a micro-credit.

The mini-credit is a capped loan requiring few supporting documents, from € 1,000 to € 2,000, according to the lender. The reimbursement period is often shorter: from 1 month to 6 months on average. Finally, the cost of your credit, or the proposed TAEG, can be higher than for an express personal loan.

Micro-credit concerns above all the people to very low or even without income. Obtaining this social loan is subject to conditions: he can only finance integration projects and his amount is capped at € 8,000. Borrowers are supported in their project by an association.

How the Orange Bank Express Credit works ?

Our Express personal loans can finance your work, buying a car, a trip, a wedding … all your projects. You can borrow up to € 75,000 and benefit from the most competitive prices on the market.

With our express course: your request is online, the formalities are simpler, the response to your request is ultra fast.

To make your Express request, Just go to our online loan simulator : you complete the essential first information in a few minutes. The type of project to be financed, the amount of the loan and the desired reimbursement time … one click and you get at least 2 financing proposals. On our offers, you will find an estimate of the TAEG, the total cost of your loan, the duration of the monthly payments.