The everyday disasters of life always hit you unprepared. The car breaks down completely unexpectedly, the heating refuses to work – and this at minus temperatures, the pet gets sick and immediately needs expensive treatment. If you do not have any savings, you only have one choice at a time like this: You need a Fast credit – and best of all immediately. That is why we keep getting inquiries about how you can still get a Fast credit today. We would like to explain this to you with the following text.
Payment on the same day is realistic
The first question that is asked very often is: How realistic is it to get a Fast credit on the same day? In fact, this can hardly be answered seriously because it depends on how quickly the payment from the bank to your account is booked by IT. If you get your Fast credit from the bank where you also have your checking account, it should work. With other German financial institutions, there is a good chance if the loan was paid out or instructed before 12:00 (all at the latest by 14:00). If the money is transferred from abroad, it looks bad.
Therefore, only the payment or instruction of the instant loan on the same day is realistic. In this regard, the following applies: You should submit your application documents completely and without errors as early as possible. Some credit intermediaries and banks promise to instruct you after 30 minutes. You cannot rely on that. With most Fast credits, you should plan four to six hours – simply because the payment of the loan has to be released manually. Your documents should therefore be at the bank by 12:00 at the latest.
Get a Fast credit today
If you actually want to get a Fast credit on the same day, you should opt for a cash advance. It will be sent to you by courier. If you take the money from a foreign bank, you should take the loan application from a German-based loan broker who makes advance payments to the financial institution. For cash advances, 10:00 a.m. is the magic limit as to when all documents should be complete and error-free with the lender.
The disadvantage of cash advances, however, is that the maximum loan amount is generally very limited. Most lenders keep three-digit amounts.
Fast credit today: overdraft facility as an alternative
If you don’t want to take any chances, you can use your overdraft facility as an alternative to a Fast credit that is still being paid today. The credit limit of your checking account can be increased in your local bank branch within minutes. You can then make a transfer immediately or withdraw the money from your account directly via the machine – just as you need it.
Such a Fast credit today still has two disadvantages: On the one hand, the interest on the overdraft facility is not exactly low, so it quickly amounts to twelve to 13 percent. Second, there is no fixed repayment plan. As a result, many people have to fight hard to get rid of their overdraft debt.