To borrow with negative BKR nowadays you have to get a lot out of the closet . Fortunately, there are still a number of methods you can use. Many people will therefore tell you that borrowing money with a negative BKR is not possible, but that is nonsense. It is certainly possible.
Let's start with the easiest option; the mini loan. A mini loan is a small loan that almost anyone can take out because there is no BKR test involved. The best thing about the mini loan is that it is one of the fastest forms of credit that exist. But it doesn't just have advantages. A mini loan has the property that you cannot take it easy with making repayments. It is possible to borrow money within 24 hours despite a negative BKR, but you will also have to pay back within 2-3 weeks. And if you do not pay back, they are certainly not happy with you. These people really know how to collect a bill and will really make your life difficult if you are not on time.
So make the decision for yourself whether you want to do this. The question is always how badly you need it. Borrowing is a means that you have to be careful with and a mini loan in particular deserves some thought before you do it. Always check whether you will receive sufficient income in the short term because it is simply a shame if you would run into fines that are actually unnecessary. Borrowing money without BKR is possible, but if you can avoid it, do it. It is not cheap.
A second option that you could go for is the private loan. There are many individuals who are willing to lend money, of course against payment of interest and costs. If you want to find these people, your best option is a national newspaper such as De Telegraaf. Browse to the classified ads and there you will find offers almost daily to borrow money from a private individual. With these types of loans, it makes little difference that you have a negative BKR, but they are not cheap. The reason is that these types of loans naturally involve more risk than a loan to someone who does not yet have a negative BKR. Of course it is also about making a profit.
If you decide to work with a private lender, make sure you have clear agreements on paper. If you don't do this, you run the risk of entering into an obligation that you cannot possibly fulfill and then you have the puppets dancing. So do not go too easily with borrowing money. Borrowing money easily leads to repayment problems, so some thinking is an idea.
Borrowing with a negative BKR is therefore possible, but you will have to do it differently than with a standard loan. In addition, if you plan on it and you need it, don't wait too long. There are far-reaching plans by the government to put a brake on loans with BKR due to the fact that they think it is not fair that much interest is being charged. The mini loan is therefore threatened with extinction, but in all likelihood the private loan will continue to exist.