Loan without BKR
Borrowing money can sometimes be a necessity. You have to make a certain investment. But the amount is of a size that you cannot cough up out of your own pocket. Then it is important that you can borrow. But if you have deliberately or accidentally made a mistake in the area of loans in the past, then this may continue to haunt you for years. You will then remain listed at the BKR with a negative registration. This makes it virtually impossible to borrow money. That is why it is important for you to know what options you have if you want to apply for a loan without a BKR.
Short and fast
An important condition for not having to take the BKR into account is that you opt for short-term loans that you take out quickly and also repay quickly. Mini loans and flash credits are examples of this. This allows you to make small investments that you do not have the money for directly, but which are nevertheless very necessary, directly. For example, you borrow a few hundred euros that you pay off within 30 days. There are a number of providers in the Netherlands that provide this type of credit. Often this can be realized quickly and easily and you will be in possession of the borrowed money within a few hours.
Of course there is something about the fact that you don’t have to undergo a test at the BKR. There is of course also a risk for the loan provider in this situation. The interest that is charged on the mini loans or flash loans is therefore somewhat higher than you may be used to. On the other hand, you only borrow small amounts, which means that the reimbursement may not even be that high. This of course also depends on what you think is a high reimbursement. For some, however, this is a reason to opt for other ways of borrowing.
You may wonder whether this is not prohibited. After all, why is there such a thing as the BKR, if it is not considered? Yet this is just completely legal. It is a consideration for each institution whether or not they want to do this. The banks that provide larger loans actually do this without exception. However, institutions that want to provide other ways of borrowing money handle this differently. For them, an assessment at the BKR is often not necessary. This makes it easier for some people to be able to take out small loans when needed.
On a row
It is especially important for you as a borrower that you have a good idea of what you want. Mini loans can be a very good form to solve a problem quickly. Whether or not you are registered negatively at the BKR. However, it is important that you also look at your own situation. Are you able to solve the small problem quickly in this way and can you continue to live in a normal way afterwards? Then this is definitely recommended. However, if you use it as a result of which you only get further into debt and problems, it might be better to choose a different solution.