Can I borrow money with a BKR registration?

Yes, you can borrow money with a BKR registration. A positive BKR registration can make your loan application easier. However, with a negative BKR registration, it is virtually impossible to take out a loan, especially for amounts over 250 euros with a term longer than one month. At Dynamite Netherlands, we responsibly help you remove negative BKR registrations so you can qualify for a loan again.

Borrowing money with BKR: here's how to solve it

Borrowing money responsibly with BKR is generally not possible. Removing codes is therefore often necessary to still be able to borrow money. For this you have come to the right place. We mediate with banks and lenders and initiate legal procedures. This way we help you on your way to a better situation and you will be able to borrow money again in the future.

Note

• We cannot remove all negative BKR registrations for everyone. We will only help you if it is justified for you and you have a good interest in wanting to borrow money. That is why we work with a critical acceptance policy. Our conditions can be found below.
• We are a legal firm and not a lender. Therefore, you cannot borrow money from us.

Want to know if we can help so you can borrow money responsibly again? Then request a free, no-obligation consultation.

It is practically impossible for consumers with a negative registration (A2, A3 or A4 BKR coding) to obtain a loan. Even with a recovery code (code H), it is often not possible to borrow money with BKR. The fact that you were in arrears in the past is seen by the lender as a signal that you may also be a defaulter in the present.

This is nonsense, of course, because one is by no means always related to the other. For example, there may be a good reason why you were once in arrears in the distant past and nowadays you pay all your bills neatly on time. However, lenders don't take any risks in this area, which is why borrowing money with BKR is virtually impossible.

When can we do help you

• You have a clear financial as well as a necessary interest in wanting to borrow money.
• You are currently out of arrears.
• Do you have ongoing debts? Then we may be able to help you in another way. See "statute of limitations on debt and BKR" for this.
• You have a reasonable and stable income.
• You have a logical explanation for why your negative BKR registration(s) occurred.

Each case is unique. therefore, your application will be reviewed by one of our client consultants based on your specific situation. Wondering if we can get you back on credit?

When we cannot help you

• You have benefits or no income.
• If you want to fill one hole with the other hole.
• Your interest in wanting to borrow money is for luxury purposes.
• If the likelihood of recidivism (default) is plausible.
• You are not financially stable.

Mr. Frank Visser on deleting BKR registrations

Do you have a positive BKR registration? Then you can take out a new loan or mortgage, for example, without any problems. A positive registration only affects your borrowing capacity. In other words, with one or more loans, the amount of the loan to be taken out is lower. Do you have a negative BKR registration? Then it is virtually impossible to borrow money.

In some cases, it is possible to borrow money with a negative BKR registration. These are usually light BKR codes (A, A1 or AH). Each lender has its own underwriting policy for assessing your eligibility for a loan. Are you dealing with a lighter negative BKR registration? If so, be sure to talk to your bank or lender. Discuss your options and see what is possible for you.

Unfortunately, practice shows that the options for borrowing money with a negative BKR registration are very limited. There are some lenders who provide loans to people with BKR registration, such as the Credit Bank. However, there are strict conditions attached to this. Borrowing money with a negative BKR registration from lenders and (large) banks is virtually impossible. Before a new loan can be taken out, the negative registration must disappear from the BKR overview. Dynamite Netherlands is happy to look at the possibilities with you.

Borrowing money without BKR testing

There are some options for borrowing money without looking at your BKR record. Note that this is not without risks! Dutch lenders and banks are required to perform a BKR test. Companies that do not do this often push the limits. They apply unfavorable conditions and do not check whether it is responsible for you to borrow money (again). Therefore be careful. Read more about the risks of borrowing money without a BKR-test here.

Do I have a BKR registration?

Are you curious whether you are dealing with a positive or negative BKR registration? Request your free and simple BKR summary on. This organization keeps track of all closed credits, loans and mortgages. Details such as arrears and payment arrangements are also reported and registered with the BKR. See more about the BKR, BKR registrations and the different BKR codes.

Do you want to become creditworthy again? Find out what Dynamite Netherlands can do for you.