Credit with Temporary Work

Obtaining a temporary agency loan is not a cheap star. Employment contracts that are unfavorably set up, which often occurs in temporary work, make it difficult for banks to grant loans. The approval criterion for loans that banks require is a regular and corresponding income as well as an open-ended employment contract.

The employment contract of a temporary worker does not meet these criteria; on the contrary, it offers little protection against dismissal. However, since banks determine the assessment of creditworthiness by various factors, a temporary employment contract has a rather bad effect. The credit security the banks demand provides, in addition to a positive credit rating information, also the employment contract as the basis for a positive credit approval. In addition, income, current obligations and the garnishment exemption limit are among the bases for decision-making.

There is a credit with temporary work

There is a credit with temporary work

Temporary work can be seen as pure wage dumping. A temporary worker sometimes does not manage to get past the garnishment-free limit despite working overtime. But lending is almost without exception based on income above the garnishment limit. In order to improve his precarious financial situation somewhat, the temporary worker can “prepare” for a loan application with a temporary job before a loan.

The account statements should be collected over a period of three months and care should be taken to ensure that the account is not in the red. It is also considered positive if the loan seeker puts the amounts of the planned installment amount on a separate account for a few months. This proves at the bank that the borrower can pay his installments.

Additional guarantees increase the chances

There is a credit with temporary work

If the borrower has additional collateral, the credit rating increases and a positive promise can be hoped for with a temporary agency loan. Real estate collateral such as a vehicle letter, real estate or other tangible assets can be sufficient credit protection that the bank recognizes.

Getting a guarantor also increases the chances of getting a temporary agency loan. However, the temporary worker should bear in mind that the credit rating balance is charged each time a loan is canceled. Therefore, the temporary worker should carefully choose a loan provider and thus create optimal conditions.

Loan without credit rating with immediate approval

 

There are many different types of credit available on the market. The choice is great, but not everyone will get a loan quickly. Especially if the credit rating is not very good, it will be difficult to convince a bank of the lending.

There are now numerous providers who offer the opportunity to get a credit without credit rating with an instant confirmation. This loan is not granted in Germany, but in Switzerland. The so-called Swiss loan is granted without a Credit bureau examination. We only work with Credit bureau in Germany, but not abroad. Especially for those who have a bad Credit bureau, the credit without creditworthiness with an immediate approval is a good choice.

How is the loan applied for?

How is the loan applied for?

A credit without credit rating with immediate approval can be applied for on the Internet. For this, a credit broker is sought who works with foreign banks. The intermediary obtains various documents from the loan seeker in advance. For example, proof of salary from the past few months must be available, a copy of the ID and a confirmation of registration, so that it can be proven that your place of residence is in Germany. As soon as the documents have been sent, the credit intermediary can contact different banks abroad and obtain offers.

These offers are non-binding until the loan seeker signs an offer and sends it back to the credit intermediary. Up to this point, no agency fee has to be paid. A fee is only payable when an offer becomes binding. How high this is will be clarified in advance. In order not to have to pay too much here, different credit intermediaries should be compared, since they all have different fee rates. The credit without credit rating with immediate approval will be transferred to the applicant’s account within one week of being checked.

What should be considered

What should be considered

In order not to have to pay too high costs, it is best to obtain different offers from different credit intermediaries. This only has to be paid after a contract has been signed so that loan seekers can obtain a large selection of offers. The interest on a credit without credit rating with immediate approval also varies greatly abroad, plus the agency fee, which varies from agent to agent. A contract should only be signed after the offers have been carefully examined.