How to finance with little job tenure
Detailed employment letter
A contract or employer letter stating the position, salary, start date and permanent status is often the document that unlocks a file.
First pay stubs
From two or three paycheques on, you have concrete proof of income to attach, even without full tenure.
Probation period explained
Some lenders accept probation if the employer confirms the position is permanent and the income guaranteed.
Co-signer if needed
A co-signer offsets the missing employment history and speeds up approval.
Frequently asked questions
Why was my application refused if my salary is good?▼
The refusal rarely comes from the salary: it comes from the lack of history. Lenders want to see that the income lasts. Without tenure, documents (employment letter, permanent status, pay stubs) replace history.
How long should I wait before applying?▼
There is no single rule. Some lenders require three months, others accept from the first paycheque with a solid employment letter. Applying early at least tells you the real conditions of your file.
What should an employment letter contain?▼
Job title, salary or hourly rate with guaranteed hours, start date, status (permanent, temporary, probation), and employer contact details for verification.
Is temporary or on-call work accepted?▼
Sometimes, depending on the lender and the sector. A fixed-term contract with predictable hours is viewed better than on-call work with no guaranteed schedule. A co-signer can compensate.
Does a first job count as credit history?▼
No, employment is not credit history. They are two separate files and the lender looks at both. If you have no credit history at all, that is a separate point we handle.
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