Loans for part-time workers: choose the right financing

Even those who have a part-time job can access funding

In fact, among their offers of access to credit, banks and insurances provide loans for public or private employees who have a reduced working time.

First of all we need to clarify well what we mean by part-time work and what are the possible forms of this employment contract, as the various loan opportunities that can be accessed change accordingly. If, in general, a part-time job implies a reduction of the working time compared to the “traditional” 40 hours per week, in particular the distribution of the work load can vary.

In a horizontal part-time, the best known one, the daily time is reduced: for example, 4 or 5 hours instead of 8. In a vertical part-time, instead, the worker can work even 8 hours only for a few days of the week or every day for a few weeks or months, but there will be some times of the year when it will remain at rest. The two options, sometimes combined, respond to different needs: there may be seasonal jobs or companies that do not require full availability of a worker for a necessary service but throughout the year.

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There are some forms of loans for those with a horizontal or vertical part-time contract, but the specific requirements are different. For example, for a worker with a horizontal part-time contract, the monthly income must be at least € 790. Workers with a part-time contract, on the other hand, will only be able to obtain funding if the period of suspension does not exceed two months; for the latter, the option to sell the fifth salary will be activated, a particularly advantageous formula.

If you are a public employee or a private employee with a part-time employment contract and you need a loan, Credit is at your disposal for free to show you directly to your home which are the best conditions offered by banks and insurance companies. Write us your financing requirement, you will be contacted quickly to make an appointment and receive timely answers to questions and doubts that prevent you from getting the money you need.

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