Did you know that you do not need to be on the payroll or have a permanent job to get your vehicle credit ? In fact, if you are independent you can also access this type of credit.
Although of course the requirements and the process are not the same for both cases. If you want to buy your new car and you are not on the payroll, a vehicle credit for independents is for you, keep reading this note!
Banks are not your only option
Banks are the ones we usually go to when we want a loan, but they are not the only option. When you are independent, you may have more luck with other financial institutions or even with concessionaires.
So if you’re not lucky with a bank, don’t be discouraged! Try other options. Yes! Compare well before deciding on one!
Unlike the loans for dependents, which are usually given to people with a six-month work seniority, the loans for independents usually require as a requirement to have a sustainable working age of two years. If this is your case, you are one step closer to your new car.
Be a good payer
One way to make it easier for us to access large loans such as a vehicle loan, being independent, is to be good payers. Timely payment of our services or monthly debts will help our financial reputation.
Calculate what you earn each month
As an independent you do not have a fixed salary every month, right? It is good that before going to a financial company calculate your average monthly income, so that these entities and you have an idea of how much they can pay per month for a vehicle credit. Making a monthly budget will be your great ally to obtain this loan.
It is not impossible to access a vehicle credit when you are independent or freelance. In fact, being organized and punctual with your finances will help you a lot in the process. Take note and choose the car model you want to buy!