Can I borrow money without a BKR? Do you want to borrow money without BKR and are you curious whether you will be eligible for it? This depends on a number of different factors, including the income you earn. It is of course important that you earn enough, but it is just as important that you receive a fixed income. Then keep in mind that borrowing money without BKR can entail additional costs and risks that you should keep an eye on.
You can only borrow money without BKR when you have a fixed income. This is due to the fact that the lenders run a little more risk by not performing a BKR check. They therefore want to be sure that you receive enough on your account at the end of the month to be able to repay the loan amount. It is not a problem if you receive your income in the form of a benefit, provided that it is sufficiently high. You can only borrow money without a BKR with a permanent job or a fixed benefit.
Freelancer or student
This means on the other hand that in some of the cases you will not be eligible to borrow money without BKR. For example, are you active as a freelancer or self-employed? Then you do not just have the option to borrow money without a BKR check, since it is uncertain whether your income will be high enough. In that regard, it is advisable to take this into account when you decide to work as a self-employed person from a benefit position. Even as a student, borrowing money without BKR is unfortunately not possible, because there is then no question of a structural income.
Borrow money costs
Can you borrow money without a BKR? Keep in mind that this will often lead to relatively high costs. You borrow a relatively small amount, which means that a few USD in costs can quickly lead to a considerable percentage. In addition, you must bear in mind that in certain cases you may need a guarantee or you will have to pay administration costs. Do you need the money quickly and is it a relatively small amount? Then you can borrow the money without BKR, whereby you can focus on a mini loan, among other things.