Credit for all: Find a credit for your project
Whether you are unemployed, without income, or simply banned from banking, do not lose hope because there are many credit solutions for everyone. These specific financial aids have been put in place to give you a boost and allow you to finally get out of this precarious situation. Among the non-compliant financing offers that will be offered to specialized lending institutions, here are a few that can meet your needs and give you the financing you need.
The credit for the unemployed
While you are unemployed, do not expect to give up. With the loan for unemployed, you have the opportunity to start from scratch with funding that will help you for example to buy a car and expand your search area work. Armed with such an argument, you will succeed in convincing the credit institutions to trust you and grant you this loan. And if you need this money as soon as possible, you can always turn to specialized organizations such as the Family Allowance Fund which offers people looking for work a loan of honor to finance 80% the acquisition of a vehicle that will contribute to your professional reintegration. With the ADIE (association for the right to the economic initiative), a good file will allow you to obtain a microcredit which will help you for example to move or follow a formation with a new job to the key.
Credit for bank bans
Following disputes and worries of unpaid, you find yourself stuck at the Bank of France and have more trouble finding a loan. However, there is still a solution such as the credit for banking ban that will be granted to banks. What’s more, the process will be less complicated if you own a property and can use it as collateral for a mortgage. On the other hand, if you are a tenant, you can always ask the help of one of your relatives to vouch for this loan for forbidden banking and pay the monthly payments for you if you never manage it anymore. And if these solutions are still not suitable, it is possible to consolidate all your credits in progress so as to settle your debts while constituting a reserve cash with this new loan whose amount of a monthly payment has been reduced to help you better manage your income.
Credit without proof of income
Just because you do not have a pay slip or employment contract does not mean that you can not access a loan offer. With the credit without proof of income, the whole process is simplified because the process is essentially remote. Indeed, online credit agencies offer to simulate your loan on their site by asking you only basic information about your personal and financial situation, without you having to provide evidence of resources. . With the credit without proof of income, you have the advantage of a quick financing solution because if you opt for a reasonable sum, the answer in principle will reach you within 24 hours, and as soon as you have signed the credit agreement, the money will be paid directly to your account and you can spend it freely, because it is usually an unallocated credit, because no proof of purchase will be required.
Interim Credit / CDD
With interim credit or for someone on a fixed-term contract, you can hope to find a consumer credit that will allow you to realize your projects. Even if your temporary job will not really reassure conventional banks, there are specialized credit organizations that will trust you as soon as you have fulfilled their conditions. This is the case of Fastt, the Temporary Work Social Action Fund created by temporary agencies to facilitate access to loans to their employees who have managed to do 450 hours of temporary work in one year. Among the interim credit solutions proposed by Fastt, you have for example the work credits intended to undertake renovations or interventions to bring back to the standards of your habitat to guarantee you an optimal comfort of life in spite of your temporary status. Interim credit will also be available if you plan to buy your very first home, or if you need help buying a car.
The loan CAF
For people with RSA, the Family Allowance Fund sets up CAF loan solutions. These financial aids will be granted to you according to specific conditions, in particular the presence of a dependent child and a family quotient below 720 $. From there, you can apply for a CAF loan to finance up to 90% the purchase of furniture and essential household equipment. And if you need to buy a new vehicle or have your old car repaired, CAF could offer you a $ 1250 pre-payment loan that will help you manage your current bills, and why not buy a car? opportunity ?. The CAF credit can also take the form of a loan of honor for unemployed people who are desperate to buy a vehicle that will be used as a means of transportation to facilitate the journey from home to workplaces. .
The official loan
You work in the public service and do not really know where to go for a loan. The official loan will be granted to you by banks and credit institutions that will be reassured by your stable financial situation. For a government loan subscribed in France, the reference organizations are the Social Credit of Officials (CSF) and the French Bank Mutualiste which mainly offer financial services and offers of personal loan staff. For a simplified approach, the application for a government loan from these institutions is now done online and a credit simulation already gives you an idea of the amount of the monthly payment, the repayment period and the total cost of the official credit from amount you wish to borrow. This approach is all the more important because it allows you to make comparisons and only choose the official personal loan offer with the best interest rate.
In times of economic crisis, companies often find it difficult to find the financing needed to build cash flow. With professional credit, every business leader, every craftsman and every trader have the opportunity to find a financing solution adapted to their situation. For example, the company cash credit for companies in difficulty is established in the form of a bank overdraft or a cash facility. Other specialized organizations will put in place treasury solutions to enable small businesses to emerge from a crisis situation with specific financial assistance. Because there are many professional credit offers on the market, you can easily make comparisons and use the data collected during online simulations to negotiate your business loan.