Interim credit

Can we obtain consumer credit when we do not have a stable source of income or at least professional stability in the long term? As a temporary job consists of punctually replacing an employee on leave or to respond to a strong growth in production, the temporary employee risks being made redundant at any time. That said, the credit institutions still granted an interim loan, subject to conditions.

However, as the interim position can present risks for lending institutions, they essentially offer a particularly high rate. We must therefore remain vigilant in choosing the loan company with which to contract your credit.

An interim personal loan is particularly suited to the needs of people occupying an interim position, which is not particularly stable. It is therefore necessary to meet special conditions before being able to benefit from this type of loan.

The conditions for obtaining an interim loan

Working with a CDD contract is precarious and credit organizations have understood this well. To be eligible for such a loan, you must therefore meet some basic conditions. Among them, the future borrower must have a minimum of 18 months non-stop experience. It is indeed important to justify a certain professional stability.

Whether the employee on a fixed-term contract must carry out missions in a single company or in several companies, the important thing is to prove to the lender that he is a motivated and dynamic person. Some financial organizations may also require other conditions, such as a certain number of cumulative hours.

In other words, credit companies offering an interim loan will in particular focus on the borrower's seniority in the professional world and then determine the amount to be provided.

Knowing how to choose your lending agency for your interim loan

Like the vast majority of consumer loans, an interim loan allows you to finance life projects, to name only the purchase of a vehicle, the realization of various interior or exterior work and the financing of training, or even a mortgage. There are different types of interim loans. These include, among others, the interim credit with or without a guarantor, the interim personal loan, the interim auto loan, the repurchase of interim credit, the interim mortgage loan and the loan between individuals. The person occupying a CDD position must first of all know how to choose his loan organization. More and more temporary workers are opting for online credit, especially for the benefits it gives them. Flexible, quick and easy to acquire, an online interim loan generally requires very few formalities. However, with the multitude of offers, it is worth researching before signing. To facilitate the task, the future borrower occupying a temporary position can go through a credit simulator to determine his borrowing capacity, compare offers and calculate his monthly payments.

Other consumer credits to enjoy

Unemployed Credit

In the United States, there is no law prohibiting unemployed people from taking out bank loans. Indeed, an unemployed person can easily borrow money, especially if the funds can make it easier for him to find a job or to do paid activities. The easiest way is to go through online banking organizations.

Student loan

The student loan is guaranteed by the state, you do not need to have a minimum of income or a deposit, provided of course that you are enrolled in an institution. It is a zero rate loan which aims to finance studies or to pay training costs. Unlike conventional loans, the terms can vary from 2 to 6 years.

Credit between individuals

Personal credit is a way to quickly borrow money without going through banks. With this loan intended for individuals you can finance various personal projects without providing proof of use of the borrowed funds.

Civil servant credit

Like all borrowers, civil servants can benefit from a loan. Whether they are contractors, interns or holders; there is a loan specially dedicated to civil servants with very advantageous conditions. Thus, it is possible for an official to obtain the best rate for his mortgage repurchase or even for the consolidation of his loans.

Bank prohibited credit

The repurchase of credit is an interesting option for banking prohibitions. This consists of consolidating all your credits so that you only have to pay a monthly payment. This precept allows you to obtain more time to repay and a reduced monthly payment. As a result, your purchasing power improves and you can live more comfortably.

Senior credit

Like the working population, seniors also have the right to credit. Even if the banks consider that the risks of default are great, there are formulas adapted to the elderly. The conditions are a few different due to the situations of disability, death or incapacity for work; but they do exist in the credit market.

Auto-entrepreneur credit

As a self-entrepreneur, borrowing can be a real obstacle course with banks, but be aware that it is possible to have a mortgage. The documents and documents to be provided are more numerous than that of a permanent employee such as the last tax notices, bank account statements, sales agreements and also borrower insurance.

A loan commits you and must be repaid. Check your repayment capacity before you commit