Most banks can apply for loans online. Many of them then process the loan completely online – right through to the payment. This means that you never have to go to the branch during the entire process. This means that with some banks it is possible that you will have the money in your account the next day. However, this also means that the bank must offer video identification with which you can conveniently prove your identity from home. But not all banks have already completely digitized this process. Those banks that do not yet offer this require physical identification (e.g. in a branch or via the post office). Because the bank has to be sure that you are who you say you are. So if you need the money very quickly, then pay attention to how quickly the payout can be made and whether you have to come to the branch for it.