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Written by Bram van der Veldt on . Posted in Uncategorized.

borrow money without a credit check

Borrowing money without BKR

Borrowing without a BKR check is practically impossible in the Netherlands. Credit providers are legally obliged to consult the BKR. Here you can read what is possible.

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Caution! Borrowing money costs money.

Can I borrow without a BKR check?

The short answer: practically not in the Netherlands. Credit providers are legally required to consult the Credit Registration Bureau for loans exceeding a certain amount and term. (check limit: from €250 and longer than one month)

This obligation exists to prevent over-lending. Providers advertising 'borrowing without a BKR check' therefore usually offer something else: a very small amount with a short term, or it concerns a foreign party without a Dutch license. The latter is risky: officially, such a party is not allowed to offer credit to consumers here.

You can read what is possible further down this page.

Borrowing money without a BKR

More about borrow money without a credit check

Request your own registration from the BKR and check if everything is correct.

Check your situation
Request your own registration from the BKR and check if everything is correct.
Vergelijk reguliere aanbieders
A loan with a credit check may still be possible, depending on your situation.
Application via the provider
The provider assesses your application and makes a decision. Finass does not provide credit itself.

What you encounter in practice

Small amounts with a short term, for which the obligation to consult may be different. Usually expensive per euro.

Mini loans

Small amounts with a short term, for which the obligation to consult may be different. Usually expensive per euro.

Foreign providers

Parties without a Dutch license. They are officially not allowed to offer credit here; you have little protection.

Private lending

Borrow from family or friends. Put agreements in writing.

What the BKR registers

Both positive and negative registrations. A positive registration is normal and not a problem.

Negative coding

Arises in the event of payment arrears. This remains visible for a number of years after repayment. (check term)

What is possible

A standard loan with a BKR check, provided your situation allows it.

What can you do?

✓Check your registration — u kunt uw eigen gegevens bij het BKR opvragen.
✓Have an error corrected if the registration is incorrect; this can be done via the provider or the BKR.
✓Pay off arrears: after repayment, the coding is adjusted and expires after a period of time.
✓Apply for a regular loan als uw situatie dat toelaat — mét toetsing, maar tegen normale voorwaarden.
✓Do you have debts? Your municipality offers free debt assistance. This works structurally, unlike a new loan.

Frequently asked questions about borrowing money without a BKR check

Can I borrow money in the Netherlands without a BKR check?
In practice, no. Credit providers are legally obliged to consult the BKR for loans exceeding a certain amount and with a term longer than one month. This rule exists to prevent over-lending.
Why does the BKR check exist?
To prevent people from borrowing more than they can responsibly afford. The assessment protects both you and the provider.
What is stated in my BKR registration?
Both positive and negative data: which credits you have, whether you pay on time, and whether there are any entries. A positive record is normal and does not constitute an obstacle.
How long does a negative registration remain?
A credit rating remains visible for a number of years after repayment. The exact term is stipulated in the BKR regulations.
Can I have a BKR registration removed?
Only if it is factually incorrect. If the registration is correct, it expires automatically after the specified period. In the event of a dispute, you can contact the BKR or Kifid.
What if providers advertise with 'no BKR'?
In such cases, it usually involves very small amounts with a short term, or a foreign party without a Dutch license. Be cautious with this: you have little protection.
Can I get a mortgage with a BKR registration?
A positive registration is not an obstacle. With a negative coding, it is more difficult, but depending on the situation and the age of the coding, it is not always ruled out.
I have debts. What now?
Contact your municipality for debt assistance. This is free of charge and addresses the root cause. A new loan usually only shifts the problem.
Borrowing money without a BKR

Compare borrowing money without a BKR check via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about borrow money without a credit check

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Duidelijk uitgelegd wat het verschil is tussen een Personal loan en doorlopend krediet.”

M
Marloes A.
Personal loan

“Prettig dat het jaarlijks kostenpercentage overal netjes vermeld stond, zo kon ik echt vergelijken.”

M
Matthijs D.
Compare loans

“Geen mooie praatjes maar gewoon de kosten en de voorwaarden op een rij.”

S
Sebastian A.
Loan orientation

“De uitleg over de BKR-toets nam veel onduidelijkheid weg.”

M
Merel V.
BKR registration

More about borrowing

View the other sections within borrowing.

To borrow →

Personal loan, revolving credit, or borrowing for a specific purpose.

Personal loan →

A fixed amount, a fixed interest rate, and a fixed term.

Revolving credit →

Flexible withdrawal up to an agreed limit, at a variable interest rate.

Refinance loan →

Are you paying a high interest rate on an old loan?

BKR registration →

What is stated in your BKR registration, how long does it remain, and what can you do if something is not right?

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Car insurance →

Are you financing a car? Insure it properly right away.

Inboedelverzekering →

New interior design or renovation: keep your contents value up to date.

Aansprakelijkheidsverzekering →

The basic coverage for damage you cause to others.

Caution! Borrowing money costs money

Caution! Borrowing money costs money.

What is possible: a regular loan

Borrowing without a BKR check does not exist in the Netherlands. However, a regular loan with a credit check is possible from a recognized provider. You can compare the offers with our partner.

Read more …borrow money without a credit check

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Written by Bram van der Veldt on . Posted in Uncategorized.

Making sustainable

Sustainability Financing

Paying for insulation, a heat pump, or solar panels with a loan. First check whether financing through your mortgage or a subsidy is more advantageous.

Vergelijk leningen →
Compare independentlyRecognized providersFree consultation
Financing sustainability
Compare the APR
AFM-licensed providers
Free consultation
Reviews 9.5 / 9.8
Caution! Borrowing money costs money

Caution! Borrowing money costs money.

Which route suits you?

There are several routes to making your home more sustainable: a personal loan, financing through your mortgage, or making use of subsidy schemes. Often, a combination is the most advantageous.

Heeft u een eigen woning, dan is meefinancieren in de Mortgage meestal goedkoper — voor energiebesparende maatregelen geldt bovendien extra leenruimte. Een lening is sneller geregeld en past beter bij kleinere bedragen of als u huurt.

financing sustainability with a loan

More about financing sustainability with a loan

Compare the APR, the term, and the conditions.

Compare providers
Compare the APR, the term, and the conditions.
Request to the provider
They check your income and consult the BKR.
Assessment and payment
Upon approval, the provider makes the payment. The processing is handled through them.

The routes were compared

Arranged quickly, no notary required. Higher rate than via the mortgage.

Personal loan

Arranged quickly, no notary required. Higher rate than via the mortgage.

Through the mortgage

Lower rate and extra borrowing capacity for energy-saving measures.

Subsidies

There are schemes for insulation and heat pumps. Inquire about what is currently available.

Payback period

Calculate within how many years the savings on your energy bill will cover the costs.

Increase in value

A better energy label can increase your home value and future borrowing capacity.

Rental home

Are you renting? Then a loan is often the only route, and you should consult with your landlord.

What do you look out for?

✓Compare the loan with financing via your mortgage; that is usually cheaper.
✓Inquire about current subsidies before you determine the loan amount.
✓Calculate the Payback period from: how much do you save on energy per year?
✓A better energy label can increase your home value and borrowing capacity.
✓Ask multiple quotes with installers.

Frequently asked questions about financing sustainability projects with a loan

Can I pay for sustainability improvements with a loan?
Yes. A personal loan is arranged quickly and is suitable for smaller amounts or if you rent. If you own your home, compare it with financing via your mortgage.
Is it cheaper via the mortgage?
Usually yes: the rate is lower and there is often extra borrowing capacity for energy-saving measures. However, this is offset by notary and valuation costs.
Are there subsidies for sustainability?
There are schemes for insulation and heat pumps, among others. These are separate from the financing. Inquire about what is currently available.
How do I calculate the payback period?
Divide the investment by the expected annual savings on your energy bill. Take fluctuating energy prices into account.
Does making my home more sustainable increase its value?
A better energy label can positively influence the value and provides extra borrowing capacity during a future mortgage calculation.
Can I make my home more sustainable as a tenant?
You can sometimes finance minor measures yourself, but always consult your landlord. Major interventions are generally the responsibility of the landlord.
financing sustainability with a loan

Compare financing sustainability with a loan via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about financing sustainability with a loan

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Duidelijk uitgelegd wat het verschil is tussen een Personal loan en doorlopend krediet.”

E
Eline D.
Personal loan

“Prettig dat het jaarlijks kostenpercentage overal netjes vermeld stond, zo kon ik echt vergelijken.”

M
Marit F.
Compare loans

“Geen mooie praatjes maar gewoon de kosten en de voorwaarden op een rij.”

O
Olivier K.
Loan orientation

“De uitleg over de BKR-toets nam veel onduidelijkheid weg.”

M
Maarten I.
BKR registration

More about borrowing

View the other sections within borrowing.

To borrow →

Personal loan, revolving credit, or borrowing for a specific purpose.

Personal loan →

A fixed amount, a fixed interest rate, and a fixed term.

Revolving credit →

Flexible withdrawal up to an agreed limit, at a variable interest rate.

Refinance loan →

Are you paying a high interest rate on an old loan?

BKR registration →

What is stated in your BKR registration, how long does it remain, and what can you do if something is not right?

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Car insurance →

Are you financing a car? Insure it properly right away.

Inboedelverzekering →

New interior design or renovation: keep your contents value up to date.

Aansprakelijkheidsverzekering →

The basic coverage for damage you cause to others.

Caution! Borrowing money costs money

Caution! Borrowing money costs money.

Compare loans for sustainability

With our partner, you can view the APR and terms and conditions of multiple providers.

Read more …Making sustainable

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Written by Bram van der Veldt on . Posted in Uncategorized.

Renovation

Renovation Financing

Paying for a renovation with a personal loan: quickly arranged, without a notary. Do compare it, however, to financing through your mortgage.

Vergelijk leningen →
Compare independentlyRecognized providersFree consultation
Financing a renovation
Compare the APR
AFM-licensed providers
Free consultation
Reviews 9.5 / 9.8
Caution! Borrowing money costs money

Caution! Borrowing money costs money.

Loan or via the mortgage?

For a renovation, you can take out a personal loan or increase your mortgage. The loan is arranged faster and does not require a notary, but the interest rate is higher.

Via de hypotheek betaalt u minder rente en is die bij woningverbetering doorgaans aftrekbaar — maar u betaalt notaris- en taxatiekosten. Bij kleinere bedragen valt de lening daardoor vaak alsnog gunstiger uit. Reken both routes through.

financing a renovation with a loan

More about Financing a renovation with a loan

Compare the APR, the term, and the conditions.

Compare providers
Compare the APR, the term, and the conditions.
Request to the provider
They check your income and consult the BKR.
Assessment and payment
Upon approval, the provider makes the payment. The processing is handled through them.

The two routes

Quick to arrange, no notary, fixed monthly payments. Higher rate than a mortgage.

Personal loan

Quick to arrange, no notary, fixed monthly payments. Higher rate than a mortgage.

Increase mortgage

Lower rate and usually interest deduction for home improvements. Notary and valuation costs apply.

Amount

For smaller amounts, the loan is often the more favorable option; for larger amounts, the mortgage.

Speed

A loan is usually arranged within a few working days.

Interest deduction

Alleen bij aantoonbare verbetering van de eigen woning — en niet At a consumptieve lening.

Security

Your home does not serve as collateral for a loan.

What do you look out for?

✓Calculate both routes through including all additional costs.
✓At a For a personal loan, the interest is not tax deductible., not even for home improvements. (check)
✓Hold a margin to: renovations often turn out more expensive than budgeted.
✓Borrow no more than necessary, but not too tight either.
✓Ask multiple quotes with contractors before you determine the loan amount.

Frequently asked questions about financing a renovation with a loan

Can I finance a renovation with a loan?
Yes. A personal loan is arranged quickly and does not require a notary. However, the rate is higher than financing through your mortgage.
Is a loan or increasing the mortgage more advantageous?
For larger amounts, the mortgage route is generally cheaper, despite notary and appraisal costs. For smaller amounts, a loan often works out more favorably. Calculate both options.
Is the interest on a renovation loan tax deductible?
As a rule, not for a consumer personal loan. However, if you finance via your mortgage and there is demonstrable home improvement, then usually yes.
How much do I need to borrow?
Base this on concrete quotes from contractors and allow a margin for setbacks. Do not borrow more than necessary, but not too tightly either.
How quickly will I have the money?
Upon approval, a personal loan is usually disbursed within a few business days.
Is my home collateral for a loan?
No. With a personal loan, your home is not collateral, unlike with a mortgage increase.
financing a renovation with a loan

Compare financing a renovation with a loan via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about Financing a renovation with a loan

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Duidelijk uitgelegd wat het verschil is tussen een Personal loan en doorlopend krediet.”

N
Naomi N.
Personal loan

“Prettig dat het jaarlijks kostenpercentage overal netjes vermeld stond, zo kon ik echt vergelijken.”

T
Thijmen F.
Compare loans

“Geen mooie praatjes maar gewoon de kosten en de voorwaarden op een rij.”

R
Rianne N.
Loan orientation

“De uitleg over de BKR-toets nam veel onduidelijkheid weg.”

D
Danique M.
BKR registration

More about borrowing

View the other sections within borrowing.

To borrow →

Personal loan, revolving credit, or borrowing for a specific purpose.

Personal loan →

A fixed amount, a fixed interest rate, and a fixed term.

Revolving credit →

Flexible withdrawal up to an agreed limit, at a variable interest rate.

Refinance loan →

Are you paying a high interest rate on an old loan?

BKR registration →

What is stated in your BKR registration, how long does it remain, and what can you do if something is not right?

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Car insurance →

Are you financing a car? Insure it properly right away.

Inboedelverzekering →

New interior design or renovation: keep your contents value up to date.

Aansprakelijkheidsverzekering →

The basic coverage for damage you cause to others.

Caution! Borrowing money costs money

Caution! Borrowing money costs money.

Compare renovation loans

With our partner, you can view the APR and terms and conditions of multiple providers.

Read more …Renovation

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Written by Bram van der Veldt on . Posted in Uncategorized.

Refinance loan

Loan refinancing

Are you paying a high interest rate on an old loan? Refinancing to a loan with a lower rate can reduce your monthly payments.

Vergelijk het aanbod →
Compare independentlyRecognized providersFree consultation
Refinance loan
Compare the APR
AFM-licensed providers
Free consultation
Reviews 9.5 / 9.8
Caution! Borrowing money costs money

Caution! Borrowing money costs money.

When does refinancing pay off?

Vooral oudere doorlopende kredieten kennen soms een hoog variabel tarief. Sluit u dat over naar een Personal loan met een vast, lager tarief, dan daalt uw maandlast en weet u wanneer u klaar bent met aflossen.

Make sure to calculate the whole picture. A lower monthly payment due to a longer term does not automatically mean that you are better off financially.

Refinance loan

More about Refinance loan

Compare the APR, the term, and the conditions.

Compare providers
Compare the APR, the term, and the conditions.
Request to the provider
They check your income and consult the BKR.
Assessment and payment
Upon approval, the provider makes the payment. The processing is handled through them.

What is involved?

Ask what percentage you are currently paying and what the remaining debt is.

Current rate

Ask what percentage you are currently paying and what the remaining debt is.

New rate

Compare the APR of the new loan with your current rate.

Duration

Preferably do not choose a longer term than you currently have.

Penalty-free repayment

With consumer credit, you can usually repay without penalty. (check)

Multiple loans

If you have multiple, you can consolidate them into one clear loan.

Total costs

Compare the total amount to be repaid, not just the monthly payment.

What do you look out for?

✓Choose no longer term than necessary; otherwise, you will pay more despite a lower rate.
✓Ask your current provider for the exact outstanding debt and the rate.
✓With consumer credit, the following generally applies no penalty interest upon early repayment.
✓If you consolidate loans, check whether that actually cheaper unpacks
✓Please note: a new credit is again registered with the BKR.

Frequently asked questions about refinancing a loan

When is refinancing a loan beneficial?
Especially if you are paying a high variable rate, for example on an older revolving credit, and you can switch to a lower fixed rate. Do calculate the total picture, however.
Do I pay a penalty interest when refinancing a loan?
With consumer credit, you are generally allowed to repay early without penalty. Check this in your terms and conditions.
Can I consolidate multiple loans?
Ja, dat kan. U houdt dan één lening met één maandlast en één einddatum. Controleer wel of het totaal actually cheaper uitpakt.
Do I have to maintain the same term?
That is sensible. If you choose a longer term, your monthly payments decrease but the total interest costs increase, despite a lower rate.
Will the new credit be registered with the BKR?
Yes. The new credit is registered and the old one is cancelled as soon as it is repaid.
Does refinancing affect my mortgage options?
Your total credit burden is taken into account when applying for a mortgage. A lower monthly payment can be beneficial, but the registration itself continues to weigh in.
Refinance loan

Compare loan refinancing via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about Refinance loan

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Duidelijk uitgelegd wat het verschil is tussen een Personal loan en doorlopend krediet.”

D
Danique A.
Personal loan

“Prettig dat het jaarlijks kostenpercentage overal netjes vermeld stond, zo kon ik echt vergelijken.”

C
Casper N.
Compare loans

“Geen mooie praatjes maar gewoon de kosten en de voorwaarden op een rij.”

R
Rosemary T.
Loan orientation

“De uitleg over de BKR-toets nam veel onduidelijkheid weg.”

N
Nienke Z.
BKR registration

More about borrowing

View the other sections within borrowing.

To borrow →

Personal loan, revolving credit, or borrowing for a specific purpose.

Personal loan →

A fixed amount, a fixed interest rate, and a fixed term.

Revolving credit →

Flexible withdrawal up to an agreed limit, at a variable interest rate.

Refinance loan →

Are you paying a high interest rate on an old loan?

BKR registration →

What is stated in your BKR registration, how long does it remain, and what can you do if something is not right?

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Car insurance →

Are you financing a car? Insure it properly right away.

Inboedelverzekering →

New interior design or renovation: keep your contents value up to date.

Aansprakelijkheidsverzekering →

The basic coverage for damage you cause to others.

Caution! Borrowing money costs money

Caution! Borrowing money costs money.

Compare the benefits of refinancing

With our partner, you can see what rate you can get now and what that means for your costs.

Read more …Refinance loan

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