Credit with mini job

 

Basically, getting a mini job loan is not easy. This is especially true when the mini job is the only source of income and when there are no other collateral. Under certain conditions, however, the banks may already be able to grant a mini job loan.

Requirements

Requirements

All people who want to receive an installment or overdraft facility must meet certain requirements. This includes not only flawless credit information, but also a secure and attachable income. The latter is usually only the case if the borrower has a well-paid full-time or part-time job and if he can prove an open-ended employment contract. However, the income from a mini-job will be too low to serve as the sole security for borrowing.

If the mini job is pursued as a part-time job, a loan with mini job should not be a major problem. The credit information should also be in order here. It becomes much more difficult if the mini-job is carried out by an unemployed person, a Hartz IV recipient, a student or a housewife. In this case, a loan should only be possible if additional collateral or a guarantor can be provided.

Application and approval

Application and approval

Before deciding on a loan, it is always advisable to carry out a comparison on the Internet. Only then can those interested in credit know exactly whether the loan with a mini job is really a cheap offer. Once the right loan has been found, it can be applied for either at the local bank branch or directly on the Internet.

The bank will carefully review the loan application and will seek further information if necessary. To do this, the customer should be able to present his proof of earnings and his employment contract. On the basis of these documents and the current credit information, the bank can decide very quickly whether it can approve the loan with a mini job or whether it has to reject the customer. If the answer is positive, the money will be transferred to the checking account within a few days.

To do this, the customer should be able to present his proof of earnings and his employment contract. On the basis of these documents and the current credit information, the bank can decide very quickly whether it can approve the loan with a mini job or whether it has to reject the customer. If the answer is positive, the money will be transferred to the checking account within a few days.

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