Many people also have a minijob to work, because their salary is too low. Others, however, only have a mini-job. The rest will be taken over by the social services. Depending on which species you belong to, there is a loan from the bank or not.
Mini jobber or not, main job
For the credit decision, it is important for the bank that the loan seeker has a permanent job with a corresponding income. The private credit is first of all a minor matter, because the income is not sufficient, there is no credit at all and the request to the private credit has become superfluous. For people who only live on a mini-job and the rest are caught by Hartz 4, there is no credit for mini-jobbers. Things are different for working people who have a mini-job only as an extra income. With two jobs, it should not be a problem to get a loan for mini jobbers.
Conclude a installment contract instead of a loan.
However, mini-jobbers do not have to do without the fulfillment of their wishes, at least not if the amount is manageable. Many dealers also offer their goods on installment. For a new TV or a washing machine, the mini-jobber therefore does not have to be his bank, but he can also buy in the multimedia markets and pay in small installments. Up to a certain limit, traders do not ask for income and do not want to see a salary certificate.
It is sufficient if the buyer has a debit card and that there are no negative entries in the private credit. This is not a real loan for mini-jobbers, but much can be realized as well. But everyone should first think carefully about how the installments should be paid. With a mini-job usually not much left. Maybe then should one or the other wish to be asked behind.