With a mini loan you can borrow money without BKR review, but there are nevertheless a number of conditions that you must meet to apply for it successfully. You can read further on what these conditions are for the mini loan. With a mini loan you can borrow a relatively small amount of up to € 1500 quickly and without too much fuss. The mini loan is gaining popularity and is of course often used as an advance on the salary of the coming month or the month thereon.
Mini loan and the conditions
To apply for a mini loan you must have at least an income of around € 900 net, this is not a fixed fact because it also depends on the costs that you have monthly, if these costs are low then you may still be able to earn less income request a mini loan. Furthermore, you must have a Dutch bank account and you must also be in possession of a mobile phone with a Dutch number because there is also communication via your mobile, this way you can monitor the progress of your mini loan.
Which papers do I have to provide?
Applying for an urgent mini-loan does not require a lot of paperwork, only a few documents are required that you must scan and then send by e-mail to the lender. In any case, you will need a copy of your proof of identification, note that a driving license is not an identification, so in this case your passport or identity card. Furthermore, a copy of a recent bank statement that preferably states that your salary is paid. You may also send a recent payslip in addition to a bank statement.The conditions for a mini-loan in a row
✓ You are 18 years or older.
✓ A bank account in your name.
✓ In possession of a mobile phone with a Dutch number.
✓ You have repaid any previous mini loans neatly on time.
✓ You have an income of around € 900 net per month.
✓ You agree to a test payment of € 0.01 (you can with iDeal).
✓ You can request a maximum of € 600 for the first time.
✓ You provide a guarantee.
✓ Choose a mini loan or a plus loan (explanation below).
✓ After applying you must send your proof of identity via the online system.
✓ BKR registration no objectionWhat is the difference between a mini loan and a plus loan
The difference in the two different loans depends entirely on the amount you want to borrow. Below an image that clearly shows this. For the sake of completeness, I will also explain.
An amount from a minimum of € 100 to a maximum of € 800. These amounts must be repaid in one go and within 15, 30 or 45 days. With regard to the other conditions, there is no difference with the plus loan.
A plus loan is used if the requested amount is higher than € 600 with a maximum of € 1500. The difference with the mini loan lies in the fact that the plus loan can be paid in two installments. These two terms are 31 days each. In other words, you pay off the entire amount in a maximum of two months.
Borrow money without credit
It has been written many times before, but for the sake of completeness, it is still useful to know that if you have a negative BKR registration, this is not an obstacle to applying for a mini loan. No review is performed, so you don’t have to worry about borrowing money without a BKR. However, it is important that you must be able to not only repay the loan amount on time, but also that you can do this in a maximum of two installments. With a mini-credit, payment in installments is possible, but currently no more than two installments. Perhaps this will change in the future.
How do I know if I have a BKR registration?
You can request your own data from the bkr so that you can check whether the information they have about you is correct. You can arrange this yourself for a modest fee at the bkr. In the past this had to go through the bank, but because more and more people take out a loan online without the intervention of a bank, it is now possible to do this directly.