Not everyone knows that banks and financial companies often put financial products on the market with particularly favorable conditions. These are the so-called last minute loans, that is special loans aimed at families or small entrepreneurs, which have very interesting interest rates and can be used for unexpected expenses, such as for example a pleasure trip, some small renovation work at home or university tuition fees for children.
Lenders practically take advantage of the periods of the year when personal loans are usually requested less frequently, to offer real “special offers”, in order to satisfy the needs of those consumers who find themselves in difficulty economic and need to get liquidity quickly.
How to get them fast
Last minute loans are granted both by the most traditional banking institutions and by the financial and online banks, thanks to which it is possible to obtain personal loans even in just 24/48 hours. It is almost always sufficient to fill in the form on the chosen bank’s website, send the request documents through the reserved area and wait for the outcome which, if there are no hitches, can also arrive during the day.
In general, last minute online loans are much more advantageous than classic loans; savings are possible in particular because the accessory costs usually required by agencies in the area are reduced. The latest generation category can also be included in the “online” category, represented by loans that can be requested via the App, where the granting of the amount requested is even faster.
Advantages and requirements
Usually last minute loans must be requested within a certain deadline in order to take advantage of the particularly advantageous conditions they offer, such as no preliminary fees or the zero rate (see also Zero rate car loans ).
The figures that can be obtained are not particularly high, they hardly exceed $ 30,000, for a maximum duration of 60 or a maximum of 84 installments, even though credit institutions usually prefer to sign shorter contracts.
Obviously last minute loans can be granted to those consumers, whether they are employed or self-employed, who have a sufficient proven income capacity that allows them to repay what they have obtained.