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Borrow money quickly? You should pay attention to this Lenders

Are you looking for opportunities to borrow money quickly? Then you are in the right place here. We at Kredietverstrekkers.com believe it is important that you make the right choice. The range of lenders is quite large, so it is nice if you know what to look out for. This way you can borrow quickly but responsibly. We therefore list all the information for you.

Borrow money quickly with a mini loan

Borrow money quickly with a mini loan

Do you want to borrow money quickly because you have to make an unexpected purchase, or because you are short of two salaries? Or maybe household appliances broke and you would like to replace them. You can then opt for a mini loan. This loan is very popular thanks to the great ease and speed with which you apply for the loan. Because there is no BKR test, you can save a lot of time. You also do not have to collect all kinds of papers, such as payslips.  You can borrow an amount between € 100 and € 1500 and a BKR test is therefore not necessary. There are still few lenders who offer this so-called mini-loan. One of the most famous is Bankate. With their “Fast Money Lending Service” you have the money in your account within 24 hours after approval of your application.

Apply for a loan online quickly

Apply for a loan online quickly

Thanks to the mini loan from Bankate you can borrow money quickly without too much fuss. You only have to go through a few steps. When applying for your first loan, enter your personal details and the amount you want to borrow plus the desired term. You must also upload a copy of your ID card or passport via the website. In principle, this is the only document that you must submit when applying for the mini loan. Then verify your bank account. This can easily be done via iDeal. You then transfer a test amount of € 0.01 to Bankate to check your bank account number. You must also appoint a personal or external guarantor. In most cases, a personal guarantor is chosen because it is completely free of charge. This person can be a parent or a brother / sister or friend, and he or she must also put a signature. With a guarantor, the lender wants to cover himself in principle so that they know for sure that the loan will be repaid. 

Need more money?

Need more money?

You may have misunderstood previous purchases at the beginning of the month and you are now in need of money. Sometimes you do not need a small amount, but you want to borrow 2500 euros or more. In that case you are no longer eligible for a mini loan. In that case you can opt for a personal loan or a revolving credit.

Personal loan

Personal loan

A personal loan is a form of credit where you borrow a higher amount. This can amount to as much as € 75,000. Of course, you cannot lend this kind of huge amounts so easily, so it is good to delve into the possibilities and especially the interest rates. Borrowing money costs money! The difference between a mini loan and a personal loan is not just a higher loan amount. With a mini loan, you often have to repay the money within 45 days and repay it in one go. With a personal loan you repay this in installments. In some cases you are therefore repaying a number of months or even years (depending on the amount of the loan).  If you have large expenses planned, a personal loan is therefore worth considering. Consider for example a new kitchen, the purchase of a new car or an expensive operation that is not reimbursed. The advantage of a personal loan is that you have a high degree of certainty. The term and the interest are fixed in advance. So you know what monthly amount you will pay later and when you will finish paying off.

Revolving credit

Revolving credit

A revolving credit is a suitable form of loan for you if you do not yet know exactly how much money you need. You are often uncertain about your financial situation for the longer term, but you need money, for example because you want to renovate your house or garden. This often involves unforeseen costs. That’s why you can withdraw money at any time with a revolving credit, up to a certain limit. This limit is set in advance based on your income and living situation. This is determined by the relevant loan provider so that they know for sure that you can eventually pay off the loan amount. Note that you can always borrow money quickly, but it is important to oversee the consequences. For example, with a revolving credit you have a variable interest rate and term. If the interest rate rises unexpectedly, you will therefore take longer to repay the loan. 

Responsible lending, that’s how you do it!

 

Both a personal loan and a revolving credit you can pay off without penalty. This is really nice when you have a financial windfall and want to get rid of your loan as quickly as possible. Whichever choice you make, look carefully at how much money you really need to prevent problems. The lender will already limit the risks as much as possible by using a maximum loan amount, but it is also good to do research yourself. That way you can borrow money responsibly and quickly without worrying about the future. So take a good look at the interest rates and calculate how much you will pay per month. Do you still not dare to make a choice or do you have questions? You can request a no-obligation consultation with most lenders. You will then be assisted by a financial adviser who clearly maps out your situation. 

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