Credit during the probationary period: is that even possible? Your options with credxperts.ch and kredit-vergleich.ch

Written by: Nadine Frei, business expert creditworthiness management and budget for credxperts.ch

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Introduction

Have you started a new job and are still in your probationary period, but urgently need a loan? Then you're probably asking yourself this very question:

"Can I even apply for a loan during my probationary period - or is that a no-go for banks?"

The short answer: it is difficult - but by no means impossible.

This is exactly where credxperts.ch and credit-comparison.ch into play. We are Swiss specialists for loans in exceptional situations - including loans during the probationary period.

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Why is a loan during the probationary period problematic?

The probationary period represents an increased default risk for banks. This is because in the first few months, the employment relationship can be terminated at any time and usually at short notice - without giving reasons.

For many banks, this is reason enough to automatically reject an application.

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Still possible: Loan with trial period - with individual review

Although it is fundamentally more difficult, we at credxperts.ch and kredit-vergleich.ch check every case individual. Because there are numerous cases in which a loan is possible during the probationary period - despite the banks' reservations.

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When is a loan during the probationary period realistic?

Here is an overview:

Prerequisite	Significance for the application
Seamless transition from the old job	+ Stability, no gap in working life
Many years of professional experience	+ Greater trustworthiness
New employment contract for an indefinite period	+ Minimises the risk of termination
No debt collection or ZEK entries	+ Important for the credit rating
Good household budget (at least CHF 3500)	+ Shows financial viability

With these factors, we can significantly increase the chances of success.

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How credxperts.ch prepares your application

Our approach:

1. You submit a Free credit enquiry a
2. We analyse your documents such as:
   • Labour contract
   • Last 3 payslips
   • Copy of identity card
   • Rental agreement or mortgage agreement
3. We prepare the application for banks and submit it specifically where opportunities exist
4. Feedback is possible after just 24 hours

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Our strengths - your advantage

• Leading in Switzerland for loans with probationary period, B authorisation & Co.
• Individual case examination instead of blanket rejection
• Fast processing - Usually initial assessment within 24 hours
• Cost transparency - Fees are only charged for successful mediation

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Frequently asked questions about loans during the probationary period

1. Can I get a loan at all during the probationary period?Yes, if you have stable work experience and a permanent employment contract. A seamless transition from your previous job increases your chances.
2. Why do banks often refuse probationary periods?Because the risk of cancellation is higher - banks fear payment defaults.
3. What improves my chances?Permanent contract, no debt collection, clean ZEK data, professional experience and sufficient budget.
4. How high can the loan be?This depends on the net income and household surplus. Example calculation: With a net income of CHF 4,500 and fixed costs of CHF 2,000, there is a surplus of CHF 2,500 - a loan of up to CHF 40,000 would be realistic.
5. What if I have recently moved house?No problem if the other requirements are right.
6. How quickly will I receive feedback?Initial assessment usually within 24 hours.
7. Is the enquiry really free of charge?Yes, costs are only incurred if the loan is successfully arranged.
8. Will my employer be contacted?Only with your consent. In most cases, payslips and an employment contract are sufficient.
9. Can I apply for a larger loan later after the probationary period?Yes, we will help you to further improve your credit rating.
10. What if I have already been rejected?Then it's worth checking with us again - we know alternatives.
11. Can I adjust the term to reduce the instalment?Yes, longer terms reduce the monthly burden and increase the chances of approval.
12. Can I reschedule existing debts even though I am on probation?Yes - if the overall concept is coherent and the debt rescheduling reduces the burden.
13. How important is a good household budget?Very important. The ratio of income to expenditure determines the affordability of the loan.
14. Who ultimately decides on the authorisation?The partner bank. We prepare the documents in the best possible way.
15. Are loans with a trial period also available for the self-employed?In exceptional cases - depending on the industry, proof and creditworthiness.
16. Which documents are required?Employment contract, payslips, ID, bank statements - we'll tell you exactly what.
17. How does the payout work?Directly from the bank to your account - usually within a few days of authorisation.
18. Can I compare several offers?Yes, we can show you several options on request.
19. Are digital applications faster?Yes - often completed in 24-72 hours thanks to eSignature, VideoIdent & Co.
20. What is your recipe for success?Experience, partner network and personal commitment to each individual case.

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More difficult - but not impossible

A loan during the probationary period is challenging - but feasible. Especially with the help of experts who know how to optimally prepare such cases.

credxperts.ch and kredit-vergleich.ch are at your side - with expertise, empathy and a clear goal: your financial freedom.

Make a free credit enquiry now at www.credxperts.ch or www.kredit-vergleich.ch.