(Interview) A car loan between individuals with Prêt d'Union
You flashed on one of the models presented in our top sports cars? Or rather on one of the new cars presented at the 2014 Auto show? CaptainDrive introduces you to auto credit between individuals, a new type of credit that is developing at a fast pace thanks to the Internet.
Antoine Laborie, Union Loan Marketing Manager, was pleased to answer to some questions that may be of interest to you if you are looking for a credit to buy a car.
What is Union Loan and why is your project innovative?
Prêt d'Union is the leading personal credit platform in France. It allows investors to finance consumer loans to French households. Investors have access to a responsible and citizen investment, while maintaining an attractive return. This type of product was hitherto the preserve of traditional banking institutions, so it is an innovation and a major disruption in the banking sector.
Borrowers, they have access to a fast credit, with one of the most competitive rates on the market.
Do you have some tips for a CaptainDrive customer who would like to buy a car with a credit?
Yes of course! He just needs to do a car loan simulation with our free simulation tool. This will allow him to have a personalized proposal according to his profile. The amount of credits granted is between € 3,000 and € 40,000. Maturities are between 2 and 5 years. What to satisfy each type of request.
What are the criteria for eligibility for auto credit?
The conditions for eligibility for the loan Union loan are as follows:
- Be between the ages of 18 and 70 inclusive
- Reside in metropolitan France (we are not present in the DOM/TOM)
- Do not be registered at FICP or FCC;
- Justify stable business income
What should he do to borrow money through Union loan (vouchers for example)?
The borrower has to report his financial situation and his creditworthiness to obtain a loan from Union loan. The supporting documents requested upon receipt of the credit registration file are in accordance with the practices of the banking institutions advocating a responsible credit, namely the following:
- National identity card or passport of the Borrower
- The last Borrower (and co-borrower on your contract if paid) last salary statement;
- Last statement of bank account on which you collect your income, as well as that of the co-Borrower
- Tax Notice
- Proof of Address
What is the next step for Loan of Union?
Union loan plans to continue growing in 2015 and double the production of credit granted over a period of one year. We are also planning other Europeans by 2016.
To find out more, visit http://www.pret-dunion.fr