Basically, all loans, regardless of the type of loan, follow the same scheme: the bank checks the creditworthiness, which means nothing other than the question of whether the borrower makes enough money to be able to repay the loan , In addition, the money house also looks at the older debts that exist, as well as the payment behavior of the borrower in the past.
This happens via the entry in the protection association for general credit protection. However, many people who are in the trial period fear that they will not be able to get an instant loan despite the trial period.
The complicated problem with an instant loan despite a trial period
An instant loan despite a trial period guarantees two pitfalls because it deviates in two points from the scheme explained above. On the one hand, the credit rating and the credit are checked for the instant loan, but it is considerably shorter in order to do justice to the essential feature of the instant loan, which is that it must be granted as soon as possible.
It would be all the more important that the main award criteria be met without any problems, but then the second point comes into play: Trial period means that a salary exists, but trial period also means that the salary and thus the creditworthiness come to a very sudden end can come.
When is an instant loan unproblematic despite a trial period?
Under certain conditions, an instant loan is largely unproblematic despite the trial period. Banks assume that if you work in the medical or IT sector, you can easily find a job again, because there are more vacancies than job seekers. In addition, you can also secure yourself with a guarantor, whose creditworthiness means that the bank will definitely get its money back.
In addition, even if it may sound simple, you can of course get any loan immediately if you have the takeover guarantee but are still officially in the trial period.
When is an instant loan problematic despite a trial period?
It is more difficult if you work in a professional field where a permanent position is anything but guaranteed. Historians, for example, experience this again and again among academics. Unskilled workers have similar problems.
When you have also had a long period of unemployment, the people who have to decide on a loan often listen to you and ask why you have been unemployed for so long. In such cases, a loan must be secured by external collateral, such as a guarantor, to get it.