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.