Apply for a loan even though you are still in the probationary period?
Are you newly hired, still in the probationary period and need a loan? Then you’re probably asking yourself this question:
“Will I get a loan at all during the probationary period?”
The short answer: It’s difficult – but quite feasible under certain conditions. At kredit-vergleich.ch, we examine precisely such special cases.
Why is a loan during the probationary period problematic?
The probationary period is a phase of increased risk for banks. You can be released at any time without much warning. Therefore, many lenders see your income as uncertain during the probationary period.
As a result, traditional banks often categorically reject applications in this phase.
In which cases is a loan still possible?
We consider each request individually. A loan can be approved if:
- Your new employment contract is permanent
- You’ve seamlessly transitioned from your old job to your new one
- Your industry and position have remained the same
- you have no debt collection proceedings and your ZEK is clean
- Your household income is realistically calculable
There are particularly good chances if you have already worked in Switzerland for at least 6 to 12 months before changing jobs.
What we do differently at kredit-vergleich.ch
While other platforms reject it across the board, we analyze your application in detail. We prepare it in such a way that our partner banks can make an informed decision even in special cases such as probationary periods.
Our network includes banks that are also open to special cases such as probationary periods, fixed-term employment contracts or foreign permits.
Test criteria at a glance
| Test criterion | Meaning |
|---|---|
| Employment contract | Unlimited or with realistic extension |
| Seamless job change | Positive for a complete CV |
| Creditworthiness | No debt enforcements or negative ZEK entries |
| Industry experience | Many years of activity are an advantage |
| Accounts | Income-expenditure ratio must be right |
Loan request process
- Fill out the loan application on kredit-vergleich.ch
- Individual review by our consultants
- Forwarding to suitable partner banks
- Feedback and contract offer
- Payout after signing
The inquiry is free of charge and completely non-binding.
Conclusion: Loan with a probationary period – possible with the right strategy
Even if you are still in the probationary period, this does not automatically mean a no. At kredit-vergleich.ch, you have a good chance if the framework conditions are right. We help you to prepare your application professionally and realistically.
Frequently Asked Questions (FAQ)
1. Can I apply for a loan during the probationary period?
Yes, with appropriate professional stability and clean creditworthiness, this is possible.
2. How much can the loan be?
Depending on income and household bills, usually between 5,000 and 15,000 francs.
3. What counts as an advantage in the application?
Seamless job change, permanent contract, no debt collections.
4. What if I have already been rejected?
Then it’s worth taking a new check on kredit-vergleich.ch – we work with banks that allow special cases.
5. Will my employer be contacted?
Only if it is necessary and only with your consent.
6. How quickly will I get a response?
Usually within 24 to 48 hours.
7. Is the request free of charge?
Yes – the use of our platform is free of charge and without obligation.
8. Can I apply for a higher loan later?
Yes, as soon as you have completed the probationary period, you can submit a follow-up application.
9. What happens if I am dismissed during the probationary period?
In this case, the loan agreement is still valid if it has already been paid out – but you must ensure repayment.
10. Will my data be passed on?
Only with your consent and only to verified partner banks.
