To be independent means great personal responsibility, a lot of flexibility and strong nerves. To get a loan as a self-employed or freelancer? Mini-credit can be a good alternative. If you start your own business and maybe get the computer at your home desk, you may not need a loan. It is not so easy to get a loan as a self-employed or freelancer.
Loans for the self-employed without credit bureau: flexible and cost-effective
No credit? For employees with a secure income, it is often not too complicated to apply for a loan. But there are also opportunities for the self-employed to get a loan. If you want to claim a installment loan, you should expect the following conditions: It is not easy for lenders to assess the creditworthiness of a borrower who has no regular income.
A loan without income is rarely available. For self-employed, the situation can change at any time. However, credit institutions can bear the credit risk and demand higher lending rates for the self-employed. There is also the possibility of obtaining a partial payment loan for the self-employed. As a rule, credit institutions pay increased co-payments for the default risk of the loan.
Today, many credit institutions recognize not only the potential of the self-employed, but also of the self-employed. Although they are considered risk groups, it is often the self-employed who can manage their assets well. It may be worthwhile for a house bank to acquire independent clients – and to co-finance them in the event of bottlenecks.
Find the optimal credit: Which loan for whom?
In recent years, several online providers have prevailed with the granting of mini-credits. A mini loan is a great way to borrow at once. The mini loan amounts to between 50, – and 5,000, – EUR and should contribute to the bridging of financial problems.
Mini-credits have a duration of 15 or 30 days. The best supplier for a mini loan from our comparison, which is also given to self-employed, comes from the company Viloan. On the mini loan for self employed by Wexcash. Short-term loans, like a mini-loan, are usually granted only for small amounts. For the classification, however, the loan amount is not crucial.
The loan must be repaid within 12 months. However, it is not a loan without a rating. Pro: Contra: Our comparison has shown that self-employed people should apply to Vexcash for a short-term loan. Unlike other providers offers you as a self-employed a short-term loan.
On the short-term loan for self-employed by Wexcash. It is still hard to have a larger installment loan as a self-employed person. Excluded is the Barclaycard installment loan for the self-employed – according to the banks for the self-employed as easy to obtain as for workers. It is also not possible to get a loan with a credit bureau entry.
For the installment loan for self-employed.
From private to private: an increasingly successful model in recent years. The enthusiasm for a particular cause or a promising company can also be decisive for a good credit rating. The instant loan with immediate payment is not this option, but an option for a self-employed loan.
The person who receives a loan from a private person acts on an equal footing with the lender. It is not the house bank, but an individual who is thinking about lending in a P2P marketplace. The self-employed have the better credentials than anywhere else to get a cheap loan for the self-employed. Step 1: Present the project to be realized.
Step 2: The application is submitted for evaluation for a certain period. Some providers are highly recommended and open to the self-employed. On the merit of self-employed in Smawa. Our comparison shows that there are definitely recommendable loans for the self-employed. For smaller investments, a mini-loan or short-term loan loan is ideal, which is helpful in economically difficult situations and can bring a low burden.
Only a few providers offer a classic among the installment loans. Personal loan is a cost effective and versatile alternative. Small loans without creditworthiness: There are possibilities! Conclusion 3: There are good opportunities – even for the self-employed! It may not be easy, but the self-employed can find a suitable financing solution with a little effort.
There are also other good opportunities, such as private loans on P2P marketplaces. Customized solution for individual customers!