{"id":684,"date":"2022-01-19T10:11:29","date_gmt":"2022-01-19T15:11:29","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=684"},"modified":"2023-09-27T14:24:17","modified_gmt":"2023-09-27T18:24:17","slug":"how-do-online-loan-applications-work","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/en-ca\/blog\/credit-en\/how-do-online-loan-applications-work\/?lang=en","title":{"rendered":"How do online loan applications work?"},"content":{"rendered":"<p>What are online loans? How do they work? Are these types of loans safe?<\/p>\n<p>Here\u2019s an article that demystifies online loans. Find the answers to all these questions and more.<\/p>\n<h2>What is an online loan?<\/h2>\n<p>The first question to answer is, \u201cWhat are online loans?\u201d<\/p>\n<p>Many people confuse online loans with payday or pawn loans. But what\u2019s the difference?<\/p>\n<p>A payday loan is a short-term loan that must be repaid in full when your next payday arrives.<\/p>\n<p>With\u00a0a\u00a0<a href=\"https:\/\/www.avocat.qc.ca\/public\/iipretgage.htm\" target=\"_blank\" rel=\"noopener\">pawnbroker<\/a>, you receive a sum of money in exchange for collateral. Once the loan has been repaid, you get your property back. In the event of non-payment, the lender can then sell the property to recover the money.<\/p>\n<p>What about a quick online loan? There\u2019s no need to dispose of your property, and you have from three to six months to repay the loan, depending on the amount borrowed. The application is made entirely online, in the comfort of your own home.<\/p>\n<h2>How do quick online loans work?<\/h2>\n<p>At\u00a0Argent Maintenant, getting an online loan is as easy as counting to three!<\/p>\n<p>First, you fill in the\u00a0<a href=\"https:\/\/app.argentmaintenant.com\/clients\/application\/create\/\" target=\"_blank\" rel=\"noopener\">online form<\/a>. It\u2019s quick and easy.<\/p>\n<p>Second,\u00a0Argent Maintenant\u00a0evaluates your file and sends you your approval quickly.<\/p>\n<p>And third, the money is in your account within 24 business hours of your approval.<\/p>\n<h2>What are the eligibility criteria?<\/h2>\n<p>Your credit history is not taken into account when you take out an online loan with\u00a0Argent Maintenant. There are, however, certain eligibility criteria:<\/p>\n<ul>\n<li>Be 18 years of age or older<\/li>\n<li>Be a Canadian resident<\/li>\n<li>Have been employed for 1 month<\/li>\n<li>Receive your salary by direct deposit into a Canadian bank account<\/li>\n<li>Have a net income of at least $1,200 per month<\/li>\n<li>Not have filed for bankruptcy, or be considering filing for bankruptcy or a consumer proposal<\/li>\n<\/ul>\n<p>Other accepted sources of income include:<\/p>\n<ul>\n<li>CNESST<\/li>\n<li>Employment insurance<\/li>\n<li>Long-term disability insurance<\/li>\n<li>Pension plan<\/li>\n<\/ul>\n<p>If your short-term debt ratio is too high or there are too many NSF payments in your bank account, your application may be declined.<\/p>\n<p>Argent Maintenant\u00a0believes everyone deserves a second chance, which is why we don\u2019t run credit checks. However,\u00a0Argent Maintenant\u00a0cares about your well-being and makes sure that you are able to repay the loan so as not to add to your financial burden.<\/p>\n<h2>Why are rates so high?<\/h2>\n<p>If you check the interest rates on various loans, you\u2019ll probably notice that online loan rates are higher than traditional ones. Why is this the case?<\/p>\n<p>In the case of\u00a0Argent Maintenant, the company endorses your loan. Since online loans are often loans of last resort when financial institutions refuse to lend, the risk is higher for the endorser.<\/p>\n<p>That\u2019s why the annual interest rate is 22.5%, plus fees based on the amount of the loan requested.<\/p>\n<h2>Are they trustworthy?<\/h2>\n<p>Is your information secure? In the case of\u00a0Argent Maintenant, yes, your information is safe.<\/p>\n<p>According to their privacy policy,\u00a0Argent Maintenant\u00a0does not share, rent, or sell any personal information to third parties or companies.<\/p>\n<p>All borrowers have the right to access, modify, correct or delete their personal information.<\/p>\n<p>If you communicate with\u00a0Argent Maintenant\u00a0by email, your email address is used to reply to you only. It will never be shared with a third party.<\/p>\n<p>No information is collected without authorization. When a request for information is emailed to\u00a0Argent Maintenant, personal information is forwarded only to employees who need it to respond to your request and is not shared with third parties without your consent unless required by law.<\/p>\n<p>Data is hosted by a \u201cTier\u00a03\u201d provider (just below military level), which includes:<\/p>\n<ul>\n<li>IDS and Firewall<\/li>\n<li>Encrypted offsite and onsite backup<\/li>\n<li>Database system on SSD and SAS up to 400,000 iops<\/li>\n<li>Unique public IP address<\/li>\n<li>Monitoring and HDCE GUARD<\/li>\n<li>Dedicated HA hosting (8 hosts for 1 virtual server)<\/li>\n<li>Redundant firewall<\/li>\n<li>Internet links up to 10\u00a0GB\/s<\/li>\n<li>DDOS protection<\/li>\n<li>Restricted and supervised physical and IT access<\/li>\n<li>Authorization levels for authorized persons<\/li>\n<li>Inability to copy or transcribe information in batches<\/li>\n<\/ul>\n<p>In short, doing business with\u00a0Argent Maintenant\u00a0is secure. Your personal information is safe, and\u00a0Argent Maintenant\u00a0is transparent in all its transactions. There are no hidden fees.<\/p>\n<p>When you take out a loan with\u00a0Argent Maintenant, you\u2019ll have all the information you need to make an informed choice. A loan calculator with repayment examples is also available on the site.<\/p>\n<h2>Why take out an online loan?<\/h2>\n<p>Since online loans have higher interest rates than traditional loans, why turn to them?<\/p>\n<p>The primary reason is that your credit rating is not a qualifying factor. For many people with bad credit, online loans are the only solution.<\/p>\n<p>Secondly, payments are spread over three to six months, allowing you to repay the loan fairly quickly while leaving you enough money each payday for your usual expenses.<\/p>\n<p>What\u2019s more, when you need money fast, the money from an online loan is deposited into your account no later than 24 business hours after loan approval. At\u00a0Argent Maintenant, if you return the signed contract by 1:30\u00a0p.m., you\u2019ll receive the funds by the end of the day.<\/p>\n<h2>Quick online loans are here to help you<\/h2>\n<p>The unexpected happens to everyone. A broken car, dental or vet bills, and you\u2019re forced to pay bills you hadn\u2019t budgeted for.<\/p>\n<p>A poor credit rating and a low emergency fund, and you\u2019re in trouble. In such situations, online loans are there to help you get your head above water. They\u2019re not long-term solutions but a temporary helping hand to help you regain control of your financial situation.<\/p>\n<p>So in an emergency, trust\u00a0<a href=\"https:\/\/www.argentmaintenant.com\/blogue\/en-ca\/blog\/\">Argent Maintenant<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are online loans? How do they work? Are these types of loans safe? Here\u2019s an article that demystifies online [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":238,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How do online loan applications work? \u2014 Argent Maintenant<\/title>\n<meta name=\"description\" content=\"Find the answers to all your questions about online loans: how they work, whether they\u2019re safe and why you should use them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.argentmaintenant.com\/blogue\/credit-en\/how-do-online-loan-applications-work\/?lang=en\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How do online loan applications work? 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