What documents are required for a lightning loan?

If you are looking for a loan that should be paid out quickly, you have to prepare a few things in advance so that as little time as possible passes from the application to the loan payment. Optimal preparation includes the provision of important documents that are essential for a lightning credit. So take care of these documents in advance. Nothing is more annoying and time-consuming if various documents are missing when the loan application is received and these have to be requested again from the clerk.

Please note that different documents are required depending on the status of your employment relationship. Different documents are required for an employee than for a self-employed person or a pensioner. In this article, we clarify which documents are required by people in an employment relationship.

Documents for a lightning credit with payment within 24 hours

Documents for a lightning credit with payment within 24 hours

As you may have read in the article How quickly you can get a lightning loan, applying for a lightning loan up to $ 3,000 is much less bureaucratic than applying for large amounts of credit. In addition, the loan can be paid out very quickly and within 24 hours. You should have the following documents ready for such mini loans

  • ID card or passport
  • Proof of income in the form of a bank statement and payslip (in digital form)

As a rule, no other documents are required. Since the application for such a loan is made online and via video ID, you need a smartphone or a PC with a webcam for the documents so that they can be identified.

Now that you have all these things ready, there is nothing to stop you applying.

Documents for lightning loans from $ 3,000

Documents for lightning loans from $ 3,000

Since the risk of default is greater for larger amounts of credit than for small amounts, most banks require additional documents before a loan decision can be made. The documents are submitted by Post-Ident and then sent to the respective bank. This has the disadvantage that processing can only take place after the documents have been received and therefore a few days pass.

Which documents you should have ready when you apply

  • Pay slip / proof of salary for the last 2-3 months
  • Original bank statements documenting receipt of wages in the last 2-3 months
  • easily legible copy of your identity card (front and back) or original ID at Video-Ident
  • complete self-disclosure
  • existing loan agreements

These are the documents you should have ready when you apply. You will be asked by almost every provider. Depending on the situation, the bank may require additional documents to release a quick loan. The following documents can also be requested from the bank

  • Confirmation of registration about your place of residence
  • Guarantees
  • Further proof of income
  • Evidence of an employment relationship
  • Declaration of assignment

Exceptions in cases of loans without Credit Bureau

Exceptions in cases of loans without Credit Bureau

If you apply for a loan without Credit Bureau information, you usually need fewer documents. The following documents are often sufficient

  • Original pay slip for the past 3 months
  • Original bank statements from the last 3 months
  • clearly legible copy of your identity card (front and back)
  • Post-Ident procedure when applying (e.g. for a cash credit)

Have documents ready for the lightning credit ahead of time

Have documents ready for the lightning credit ahead of time

You should definitely have the documents listed ready. If you have decided on a loan, you can apply for it all the faster. So make sure that your documents are complete before applying, otherwise the payment time will be extended and you will have to wait longer for your loan.