Having a permanent contract (employment contract for an indefinite period) is not a sine qua non condition to obtain a loan. Borrowing when you are on a fixed-term contract (temporary employment contract), on an interim basis or even unemployed is entirely possible. Concretely, how to get a loan without credit check? Specialist in depreciable credit between individuals, informs you on the question.
Can I buy back credit without a permanent contract?
This financial solution consists in consolidating several outstanding loans into one, with a preferential borrowing rate. It can act to bring together:
- a mortgage and one or more consumer credit (s): this is the repurchase of mortgage credit;
- or consumer credit only: this is the repurchase of consumer credit.
Buying a loan without being on a permanent contract is possible in some cases. If the borrowing rate is negotiated, the repayment duration is increased. This implies an increased risk for the bank. Before buying back the borrower’s credits, she will therefore require certain guarantees. This requires in particular the fact of having:
- a co-borrower on a permanent contract;
- and / or a professional situation that is likely to change: a promise of employment, also called an offer of employment contract (in CDD as in credit check), is a real plus in a file of repurchase of credit.
Credit without credit check and repurchase of credit: why choose us?
In the event of a request for credit without a permanent contract or a credit buy-back, we provide numerous guarantees to the borrower. Among these, let us retain:
- a precise assessment of his situation, making it possible to judge his repayment capacity (if the risk is too high, the file is refused so as not to jeopardize his budget);
- flexibility in the repayment tenure (6 to 84 months);
- a fair and competitive price, with no hidden costs;
- the absence of deferred monthly payments (it increases the rate of borrowing since the duration of repayment of the loan is lengthened).
Being on a permanent contract, acting, unemployed or in a fragile professional and / or financial situation is not inevitable for those who wish to borrow. As soon as certain conditions are met, obtaining credit without a permanent contract is not impossible. Solutions exist for each borrower profile. In all cases, it is strongly recommended to compare different offers. Take a few minutes to perform a simulation. Our rates are not only competitive, but above all unbeatable up to $ 3,000. The guarantee of a peaceful future!
The three key points to remember about credit without credit check
- Anyone with an open-ended, temporary or unemployed employment contract can borrow;
- The repurchase of consumer credit and the repurchase of mortgage credit (real estate loan + personal loan and / or assigned credit, such as car credit) are also possible;
- Offer after offer, always take the time to compare.