How long does it take to get a loan ? Here is one of the main concerns of those who have applied for additional liquidity. The timing of disbursement of a loan depends on numerous factors including the requested sum and the financial situation (past and present) of the customer, elements that fundamentally affect the credit rating process by the bank itself in order to avoid insolvency risk.

Personal loans: what are the timing to get an extra credit? 

Personal loans

That it is a question of financing the renovation project of one’s apartment or the purchase of a new car or, moreover, that one needs to face some sudden expenses, among the solutions that require a shorter delivery time there are no doubt the online loans.

These are very convenient options, generally appreciated for the fast bureaucratic procedures that allow to obtain the desired sum in a very short time.

After having sent all the necessary documentation, once the request has been approved, the saver can be credited with the amount already within 24 or 48 hours.

Other avenues for obtaining an additional sum in a short time are personal loans

personal loans

Which normally provide delivery times around the week and for which there is no need to indicate the purpose of the request, as is the case in the case of purposeful loans . In general, even for these, the 7-day waiting period must be estimated in order to receive an unfinished loan even for small amounts.

Then there is the assignment of the fifth , the pension or the salary, to be a solution much appreciated by the Italians as it allows to repay the economic commitment through the direct debit of the installment on his salary, without this exceeding 20% of the revenue itself.

In the latter case, however, the timing will expand slightly as it can reach 2 or 3 weeks. On the other hand, if there is no urgency and no important figures are required, all those who are regularly enrolled in the Unit for credit and social benefits will also be able to evaluate the small loans developed by UNI Lends with payment times varying from 46 to 60 days .

Loan estimate of 10000 euros

Loan estimate of 10000 euros


Financial: Loan
Product: Loan
TAN Fixed: 4.25%
APR: 4.33%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185 

Financial: Credit
Product: Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602

Monthly installment € 193 

Financial: Personal Loan
Product: Personal Loan
TAN Fixed: 6.50%
APR: 6.80%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.764