As we move forward in our journey through the 21st century, the more distant seem the times when going to a bank to apply for a loan was the only option. Online banking increasingly eats more ground for traditional banking in terms of loans. And the trend promises to continue growing in favor of online banking. Why this boom of online financial institutions? What is your secret? In this article we will decipher some of the advantages of requesting a personal credit through Internet through one of these entities.
Online banking, increasingly used
After the global crisis that began in 2008, distrust in traditional banking entities became widespread. Four years later, in 2012, online banking was already beginning to overtax traditional banking. In a survey conducted, it was noted that 40% of Internet users had already turned to an online entity to request a personal loan. However, there was a 24% of regular Internet users who still had some distrust towards any operation that supposed to leave the personal data online, even more if it was the bank account’s own data.
That distrust in economic operations through Internet, was decreasing sharply. There are fewer and fewer people who do not trust this type of online operations. Today, only 5% of Internet users declare that they prefer not to perform any operation on the Internet or leave their personal data on any web page. This has exponentially increased loan applications through the Internet. And that trend will continue, without a doubt, growing. And more and more and faster.
10 advantages of online banking
Some of the advantages offered by online banking when requesting an online loan are:
- Agility of negotiations: the ease with which the loan is requested and the agility of procedures in the processing thereof. No paperwork, no excessive questions. Just filling a small form you can access the loan from your online banking.
- Speed in obtaining the loan: loans are granted in record time, sometimes in less than 15 minutes. Something unthinkable in any bank loan. Online banking always makes it easy for you.
- Convenience: you do not need to move to any bank or have to queue at the bank itself. Just by having a device with an Internet connection, you can request your loan from anywhere you are.
- There is no limitation of schedules: sometimes, we need a loan online and we can not go to the bank since it only opens when we are working. With online banking you ensure you can access a loan at any time and time of day.
- Uncomplicated financial product: personal loans online are a very simple product for anyone to understand, have the financial knowledge you have. It is simplified precisely for that reason, so that everyone can understand them.
- Transparent financial product: personal loans are a clear financial product, without deceptive clauses or small print. The client knows what he is hiring at all times.
- Flexibility in the conditions: the good thing about online banking is that it does not impose its conditions on you, but you are the one who chooses the terms of the express loan as best suits you and according to your needs.
- It does not involve you in the long term: an ideal financial product for small problems, for unforeseen expenses or debts to pay urgently. In this way, you can solve those specific economic problems without interfering in more serious ones.
- Few requirements: the requirements that online banking requires to grant their loans are usually very basic. They are accessible loans for practically all people, quite the opposite of bank loans.
- Trusting relationship: straight to the point above, online banking offers these loans with few requirements as they base the customer relationship on trust, so you can access these online loans even if you have work, you have debts or not find an endorsement
Find your personal loan
Online banks have brought new and effective forms of financing, and increasingly have more followers. But since we want to make it even easier for you. We have an online credit comparison with which you can benefit from the best financing, besides not losing practically time in finding your ideal loan.
Thanks to online personal loan comparison, you can get the loan of the money that interests you most and the one that best suits you. At a very quick glance, we will show you a loan filter according to your needs, being able to observe all the conditions and other details of each loan. Test it!