Temporarily a balance dip? So you can use a little more financial space? Then applying for a mini loan might be an option for you. Even if you have a BKR code, you can still request a mini loan without a BKR. You must keep in mind that the BKR registration is also there for you to protect you against over-crediting. By applying for a mini loan without BKR you can borrow a maximum of 1000 euros.
Mini loan without BKR
The mini loan without BKR is a much requested loan. Partly due to the speed with which you have the money in your account and the fact that money can also be borrowed while you have a BKR code. Due to the relatively low amount of money that you can borrow, most mini-loan providers will not perform a BKR check. You will only receive a negative BKR code if you have not paid your payment obligations in time in the past. If you have already borrowed too much and still want to borrow money, it is not wise to apply for a mini loan.
Borrow without BKR check
Borrowing without the lender performing a BKR check naturally sounds very attractive. And actually there is nothing why you shouldn’t do it. Provided you borrow wisely, so do not borrow more than you can pay back at the end of the term. The maturities of the mini loans are quite short, namely 15, 30 and 45 days. The higher the amount you are going to borrow, the longer the term. With a maximum amount of 1000 euros, the term is 45 days. You can also choose to borrow 50 euros and of course the duration is also very short, namely 15 days.
Mini loan providers
Also when applying for a mini loan without BKR you will have to compare the mini loan providers in advance. This is because the conditions may differ, which means that you may borrow too expensive and this would be a shame. Borrowing money always costs money. You may have to deal with administration and / or closing costs and then there is the interest.
Cheap mini loan
The mini-loan providers that are active in the Netherlands are all supervised by the AFM, which means that high additional costs are no longer charged. For you as a consumer who wants to borrow money, this is a positive development. The mini loan is a pretty popular form of loan. When the mini-loan was just introduced, there were many lenders who wanted to take it out. The costs for a mini loan rose. These days fortunately this is no longer the case, it is annoying enough that you have to solve a balance dip by borrowing money.
What is the best or cheapest mini loan for one person may not be the case for another. It also depends on your personal situation.