In some cases it is conceivable that you need cash just as quickly. Consider, for example, an expensive car repair that you can’t actually have with it, or you would like to go on holiday, but you are just short of money.
You can then take out a mini loan with a lender. It is also possible to borrow a small amount without BKR testing. Very handy if you have a negative BKR registration and still want to borrow cash quickly.
Request online easily
Taking out a loan may sound very complicated, but it is actually very easy to apply for a loan online. In general, the higher the amount that you want to borrow, the more paperwork and such is involved. And of course you want to read the conditions well. However, with fast cash borrowing it is different. In most cases, you opt for a mini loan, also known as flash credit. A mini loan is a solution when you need cash quickly, for example to be able to pay an unexpected bill that cannot wait. Or you urgently need a new washing machine and see a great offer. Of course you don’t want to miss this opportunity and you can take out a mini loan to bridge the time between two salaries. This way you can also borrow responsibly because you know that with your next salary you can repay the loan without any problems.
What is a mini loan?
A mini loan is a flexible form of borrowing and comparable to a personal loan, only a small loan involves small amounts. A condition for taking out this type of loan is that you are at least 21 years old and have a Dutch passport. With a mini loan you can usually borrow an amount between € 100 and € 1500. A mini loan also has a shorter duration. In most cases you have to repay your loan within 45 days. This is an important point that you should pay attention to, so that you know for sure that you can redeem without any problems. This period starts immediately after you have received the money. The mini loan also meets the need to be able to get a loan without a BKR check. This is possible because it concerns small amounts. Take a look at Bankate for example. They have a so-called ” Fast Money Lending Service ”. This means that you have already received the amount in your account within 24 hours after approval. Via the website you can enter how much money you need and what your desired duration is. You must then choose a guarantor.
No BKR assessment, but a guarantor
You are registered with the BKR if you have applied for a loan in the past. Also in red and your credit card are included. This can sometimes make it more difficult to apply for a loan again. In addition, it usually also costs a lot of extra time that you do not have when you need some extra cash quickly. At Bankate it is therefore possible to apply for cash quickly without BKR testing. So you do have to submit a guarantor. With this, the lender hopes to minimize his risk. The guarantor therefore guarantees the mini loan that you take out and will have to pay off the loan if you are unable to do so. For example, this may be someone from your area such as parents or siblings. This personal guarantor must be able to prove that he or she may have the financial means to repay the loan. That is why this person must also provide a bank statement. Do you not like to involve someone from your immediate environment in this? Then you can also opt for an external guarantor. This allows you to quickly apply for a loan but you do pay extra costs.
Borrowing money, costs money
When you have already looked at the websites of different lenders, you can see it everywhere: Borrowing money costs money. We too cannot emphasize this often enough. Of course, lenders also want to make a profit and this happens in the form of interest that you pay on your mini loan. So pay close attention to the providers with the lowest interest rates to take out your loan as cheaply as possible.
Money in your account within 24 hours
You can apply for your credit online. This way you have cash quickly and you don’t have to go to the bank first. You will then have the money in your account within 24 hours. You just have to go through the following five steps:
You just have to go through the following five steps:
- Choose the amount you want to borrow and the number of days you need to repay the loan.
- Upload the correct files (valid ID card, etc.).
- Choose your guarantor (personal or external).
- Verify your account easily via iDeal.
- Now you can send the request!
In short, applying for a mini loan is a great option when the month is slightly longer than your salary, or when you have to make a purchase that cannot wait. It is no coincidence that the mini-loan has gained enormous popularity in recent years. It is quick and very easy to apply online. The advantage is also that a mini loan is accompanied by a short duration. Because of this you are not paying off for years. There really is a snag here: the duration is always very short, so make sure that you can actually repay the money within the specified period. In addition, we have already found the best providers of mini-loans for you. This saves you a lot of research, so you have cash quickly!