can i get a car loan with a temporary job

can i get a car loan with a temporary job

Can I Get a Car Loan with a Temporary Job?

If you’re employed in a temporary job, you may still be able to get a car loan. While having a permanent and steady job usually makes it easier to get approved for a car loan, lenders understand that temporary jobs which offer the same steady and reliable income are equally valid.

What Are Lenders Looking For?

Lenders are generally looking for three things when considering giving you a car loan; affordability, income, and credit history. So provided you can demonstrate these three, a lender might still be willing to offer you a car loan.

How Do I Demonstrate Affordability?

To demonstrate affordability to the lender, you need to prove that you’re able to make the repayments on the loan. To do this, you should provide proof of income (e.g. the last three months of pay slips, or bank statements to show regular payments). Also, consider adding some savings to demonstrate that you will be able to pay the loan back even if your income suddenly drops due to your job.

What About My Credit History?

When it comes to credit history, most lenders want to see some history of credit responsibility. This means a good track record of paying off any previous loans or debts you may have. If you have not had any credit in the past, lenders may still offer you a loan but it is likely to be at a higher interest rate.

Tips for Applying For a Car Loan

Do Your Research: Before applying for any loan, it’s important to research different lenders and compare their offers to find the best deal for you.

Be Patient: Keep in mind that lenders take time to process applications and will also have to check your credit history.

Ask for Help: If you’re unsure about anything, contact a financial adviser or lender to help you.


It is possible to get a car loan with a temporary job, but it may be more difficult than getting approved with a permanent job. To increase your chances of getting approved, make sure you research different lenders, be patient while they process your application, and make sure you can demonstrate affordability and credit responsibility. Ultimately, always make sure you borrow responsibly.


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