Credit car being in interim, is it possible?

Interim status is not easy to understand in the context of a car loan, here is a complete return on this status and the possible financing solutions.

Acting: buy a car

An interim worker is like all workers, he generally needs a vehicle to move, that is to say within the framework of his professional missions but also in the frame of his personal life. Simply, even if this status brings more substantial income than a conventional employee, it does not have the durability of the job and this element is enough to cool the banks.

The purchase of the car can therefore go through several ways, consumer credit or personal loan via banks, loans between individuals or savings. With respect to financing through the traditional banking channel, it is important to provide a solid record to maximize one’s chances of getting a car loan.

Get your car loan by being acting

It is actually possible to obtain a car loan by being temporary but for this, you must have a minimum of seniority. Some workers will spend several years with an interim status but with a near certainty to see their missions renewed constantly, this is particularly the case for industrialists, factories or in professions in permanent search of employment. ‘artwork. Banks are listening to the situation of the borrower and will understand this aspect, that is why an interim with a small seniority and a recurrence in its income and missions can get a car loan.

The risk for the bank is lower with a temporary agency that continuously chaining the missions, but we must admit that not all banks do not accept these atypical profiles and that the use of a comparator is often necessary to solicit financial organizations can respond favorably to the request for funding.

Solicit a loan between individuals: is this the right plan?

If no solution is possible in the conventional bank loan, it may be possible to obtain a loan of money by turning to an alternative mode of financing, that is to say the loan between individuals. The idea of ​​this loan is to address an individual, it can be a stranger as a friend or a family member.

The two parties will agree on a sum and jointly establish a contract in which they will define the amount lent, the amount of monthly payments and the amount of interest. There are also private financing platforms to facilitate the procedures and guarantee the funds paid, however, we must remain cautious and learn about the cost of credit. Otherwise, the savings will remain the last solution, that is to say, to save each month a sum of money to then settle the cash purchase.