Neither is really correct.
In the US, we might say, "For credit, a credit claimant needs a well paid job because the bank doesn´t give money for free."
However, that would not be considered good English, because it doesn't give a complete description of the situation. The sentence might be acceptable, however, if the sentence before or after explained more.
A better sentence (notice all changes): To establish credit, one needs a good paying job because banks don't give money away for free.