With an instant or lightning credit, it should go as quickly as possible. As a rule, those interested in the loan do not have the time to sign a signature and send it to the bank or the lender. There are always questions about whether you can also get a lightning credit without a signature. Should you feel the same way, we can unfortunately only tell you the admittedly only partially satisfactory yes and no.
Lightning credit without signature: the legal problem
A loan is a business that must be legally confirmed by both sides. In theory, other ways than the signature would be conceivable. For example, a notary could confirm the oral willingness of both parties to comply with the terms of the deal. That would only be more expensive and even more time-consuming than the signature. This is problematic for all alternatives to your own signature.
It is completely unthinkable, simply because you have to give a legally binding guarantee, it is that the lender as a whole waives the legal act of the signature (or one of the alternatives). However, foreign banks are experimenting with the fact that you authenticate yourself with your ID card via webcam and thereby confirm that you agree to the terms of the loan agreement. Legally, however, this is not necessarily watertight. Here the lawyers are still arguing – you should not trust this variant blindly if it is offered to you.
Lightning credit without signature: The best way to deal with the problem
The best way to deal with the problem that a lightning loan without a signature would take less time than a loan with your signature, but such a project is practically not feasible is to shorten the time span. You can submit the signature, for example, by De-Mail. That is a legally binding document. Alternatively, you can simply fax the loan application to the lender with your signature.
Many banks also offer the service that you can print out, sign, digitize and return the loan application as a PDF. You should then usually send a digital version again at a later date. But for the moment you have made your commitments and the loan application can be processed immediately.
Alternatively, you can sign the signature of your lightning credit application under supervision. This is advisable if, for example, you do not have a fax machine or cannot digitize the papers yourself. A corresponding possibility would be the post-identification procedure, for example. Alternatively, this can also be done at a local credit broker in the office.
Flash credit without signature: Beware of dubious providers
It will not be difficult for you to find some offers on the Internet that promise you an instant loan without a signature. Keep your hands off it: there are (very few) reputable providers, but the risk is simply too great that you will come across a dubious donor.