Borrow money with negative broker
There are few lenders who give you a loan if you have a negative broker registration. Most banks will immediately refuse your application for a loan with broker. Yet there are institutions that think along with you and do not close the door immediately when you apply for a loan. Because one broker registration is not the other. In many cases the broker registration is not a big problem. http://cocinaconcarmen.com for further explanation
- You can go to Creditspotter if you do not currently have a backlog with the broker. If you previously had a backlog notification, but you have now caught up with it, you can often successfully apply for a loan.
- The mini loan without broker is also very popular but has risks and relatively higher costs.
- Another way to borrow money despite your negative broker registration is through the municipal credit bank.
- For a loan with collateral and without broker review, you can go to a so-called pawnshop.
- Also consider why you want to borrow money, maybe paying afterwards without extra costs is an option if you want to buy something?
- If you have debts, remember that you can get help with debts in resolving them.
Borrow cheap money with broker registration
A loan from the municipal credit bank is also known as a social loan. These banks give credit on behalf of the municipality to people who need this, but have a negative broker registration. You can also go to these banks with a low income or borrow for money with a benefit, or if you cannot obtain a commercial loan from a bank for any other reason.
A social credit bank is not really the place to borrow a lot of money. But what you can get at social banks is that you can repay expensive loans directly with the money you borrow from the social bank. This may be accompanied by a debt restructuring. The social banks will look for the best solutions together with you. These banks are there for the people, and not for the profit of the company. The social banks are exempt from making a profit, but are not cheap by the way.
Apply for a loan with a negative credit card
If you are a customer of a normal bank in the Netherlands, you can often just try it at these banks. Some banks are more friendly when borrowing money with negative broker coding than other banks.With a negative registration (coding) it can happen that your application is rejected. A code means that you have not always been able to pay or have a backlog. A negative registration does not always mean that your application is rejected, this depends on your specific situation. So please contact us to discuss your application well.
At SNS Bank, they even ask you to contact them. “If you have payment arrears, you can get a negative broker registration. It can therefore be more difficult to take out a new loan. Do you have a loan through bank and a negative registration on a loan from another provider?”
In many cases you can simply apply for a loan from Rabobank or SNS bank even if you have a negative broker registration. The problem is that you will not receive a loan if you currently have outstanding arrears. But if these arrears have been made up, you can often apply for a loan with reasonable success. In that case you can also go to other banks, but you will see that one bank treats you in a more friendly way than the other.
Quickly borrow money with broker
If you want to borrow money quickly with your negative broker registration or even completely without broker verification, then that is also possible. For example, with pawning items via the Stands Bank or other, you can urgently borrow money with broker. You come to the Stands Bank to give things as collateral, such as jewelry or (game) computers. This is not free but the costs are not that high. Because the city bank is for citizens with little money; it is a social service to help people not to get into debt.
How it works? Simple: what you give as collateral you will get back later at some extra costs such as interest. Your items will not be sold (as long as you do not return late!). You arrange a period that you want the loan, you can often extend this period. In addition to Stands Banken, it is also possible to pledge your things at special loan houses, or also called pawnshops. See here for more information.
Quick Mini Loan with broker
Another way to borrow money quickly with a negative broker is the mini loan. These are not the cheapest loans and you also have to pay them off almost immediately, usually within 15, 30 or 45 days. The mini-loan providers do not look at your broker registration. They do look at other things such as your income, but even this does not apply to all providers. You can now request a mini-loan directly from Ferratum.nl or Saldodipje.nl.
Note the high costs! These are often invisible when you start the application and are only clear later. These costs are sometimes 25-30% of the loan amount, in some cases even 35%.
For example, you may have to pay extra for a mandatory guarantee. The cost of the mandatory guarantee amounts to between 25 and 35% of the total loan amount and must be repaid at the same time as the loan is repaid.
Officially, money loans in the Netherlands have a maximum ceiling of 14 percent (anno 2019) per year. So even mini-loan providers may not charge higher costs. But that doesn’t mean they have other ways to make money. The most well-known way is that they come with extra optional costs that are directly deducted from the amount borrowed or on top of it, but which you have to pay back. This is not permitted by law, which is why the mini-loan providers operate from abroad.
Revolving credit with broker
Take out a revolving credit while your broker registration is negative? Forget it you would think. In a number of cases, however, it is quite possible to take out a revolving credit with broker. This goes through the social banks or also the municipal credit banks. This is not possible everywhere in the Netherlands but in a limited number of cities and regions. See also more information about borrowing money with negative broker registration.
In addition, there are also providers who want to think along with you. In general, you will not receive a loan from any commercial provider in the Netherlands. Yet there are providers who think along with you and also see why you have a negative broker. Because not all negative broker quotes are the same. See Credit Spotter for such a provider. After completing the form, they will in most cases contact you by telephone and you will hear whether something is possible or not. For this you fill in the form that you would like extra help.
Borrow money privately with broker
A solution can also be to look at individuals who give credit. You can think of friends or family. But be especially careful with private money lending advertisements that you find here and there on the internet, especially if it appears that you first have to pay something in advance. Those are fake ads to scam you. Moreover, do not give away any personal information; Some cheaters use this type of advertisement to commit identity fraud.
A good alternative are the online platforms such as CrossLend that arrange a loan for you via private individuals. You only pay a small percentage of administration costs (upon receipt of the loan) and the regular interest. These loans work as follows: You register and in your application you explain well what the loan is for and how you will repay the loan.
As soon as the loan is approved, it appears almost immediately online on the website and private lenders can choose to lend the money to you. If there are enough lenders, you will receive the loan. For more information about this new borrowing money, look on the Borrowing money from individuals page.
Credit card with broker
It is not exactly borrowing money now, but it is something that can help people with a negative broker: a Prepaid Credit Card. You can often not get a regular credit card if you are already aware of a negative registration at the broker, but if you would like such a card, you can also purchase a prepaid credit card.
This card works the same, but you can only pay with it if you set up money. And there are also more advantages: there are even cards where you can have your wages deposited immediately. Can be quite handy if you are in debt and still want to have the money you are entitled to. For more information, see the Credit card without broker page.
Borrow creatively with money
Another creative way to borrow money immediately despite your broker is, for example, to borrow money and repay the borrowed money through some form of barter. For example, you can think of chores that you do for someone in exchange for borrowing money. This is not the same as doing odd jobs against payment, because you get the borrowed money in advance and you decide to pay it back via odd jobs at a pre-agreed rate.
In addition, you can, for example, also borrow money despite your broker if you are a student. Because the social money loan that you have from the government via DUO is not registered with the broker. So even if you have a negative broker, you can still study and get your student social loan.
Sell and lease cars
In addition, there are other ways to borrow money despite your negative broker. We are talking about constructions where you do not borrow anything technically. For example, there are companies that offer you to buy your car. You then rent your car back for a fixed monthly amount. This is also called a private lease. This can be a handy option if you need money right away and you own a car.
- Usually it is smarter and cheaper to just sell your car privately and then lease a car.
- Of course you can also choose to completely dispose of your car, then you usually save even more money.
You can also pledge your car. Or your scooter, motorcycle, caravan or camper. You may not be able to use your car anymore, but you will immediately have cash in your hands or money in your bank account. For possibilities, see for example Kentekenverpanden.nl.
Buy items and pay afterwards
By the way, if you want to borrow money because you need new stuff, then this might be a good tip for you. This is because it is possible to buy things without paying directly. An increasing number of stores offers this for free. You then pay no interest. This is especially the case with online stores. You only pay for your belongings after 2 to 4 weeks.
This is possible at Bol.com, among others. With payment you choose the option pay afterwards. If you do not pay on time then you will receive a reminder and then a reminder. This takes at least 3 weeks without having to pay extra costs such as collection costs. This only happens afterwards. If you are looking for a loan to buy a broken laptop or washing machine, for example, paying afterwards is in many cases a cheaper option than borrowing money. See also an overview of all stores where this is possible.
Borrow money for debts with broker
If you have debts and want to pay them off, you can sometimes do so in one go with a loan. This is also possible with a negative broker, but this depends on your situation. The conditions can be very different. For example, if you currently have payment arrears that are registered with the broker, or if you have already made them up. You often have two options. The first option is the social banks. Here the loan often goes hand in hand with a process to resolve the debts. The loan is then used to immediately repay existing loans and other debts.
The other option is to transfer existing loans to a new one directly at the bank. One bank handles this better than the other. We ourselves see good experiences at SNS and Rabobank. For example, Rabobank is known for thinking along and looking at the circumstances of its customers. Rabobank, for example, says it does not immediately say no to a loan application.
With a negative registration (coding) it can happen that your application is rejected. A code means that you have not always been able to pay or have a backlog. A negative registration does not always mean that your application is rejected, this depends on your specific situation. So please contact us to discuss your application well.
At SNS Bank, they even ask you to contact them. “If you have payment arrears, you can get a negative broker registration. It can therefore be more difficult to take out a new loan. Do you have a loan through SNS and a negative registration on a loan from another provider? Then contact us. “
Buy stuff with social loan
In addition, it is also possible to apply for a social loan from a social credit bank for buying things. This is only possible if you or have a low income, are too old for a loan (65+) or if you have a negative broker in your name. The social credit banks are in all municipalities and lend money mainly if you need things that are really needed, for example a new floor covering, furniture or a television.
These social credit banks can also help you with your debt. Because a large number of people with a negative broker have debts and perhaps also payment problems. If this is the case for you, be aware of the risks, contact the authorities that can help you. For more information, also take a look at Settle your own debts or on the website of the Debt Assistance Association.
Business loan with negative broker
There are more and more providers in the Netherlands for a business loan with negative broker. These business loans are also available to self-employed persons with broker who want to apply for a business loan. Many of these providers are careful, because the costs for business loans with broker can be quite high. So make a good decision. Fortunately, cheaper business loans with broker can also be requested.