LOAN WITHOUT BKR CHECK

Borrowing money with no BKR check is not officially available from licensed Dutch lenders, but the term is often used informally to describe private loans, collateral-based loans, or specific financing products (e.g., student loans, business leases) that fall outside BKR’s scope.

A person is willing to take a loan without being checked in terms of credit score, because it allows to borrow money even if they have a negative BKR registration that blocks access to regular credit, or because they want to keep new borrowing off the BKR register to avoid affecting future financing opportunities such as a mortgage, while also benefiting from faster approval and more privacy.

The loan without BKR check has the role of financial inclusion, allowing people who have been excluded from the mainstream credit system another chance at obtaining finance and provides an opportunity for these individuals to meet urgent financial needs, consolidate debts, or make necessary purchases that they would otherwise be unable to afford.

Does a loan without BKR check exist in the Netherlands ?

In the Netherlands, a formal consumer loan without a BKR check does not exist—all licensed Dutch lenders are legally required to perform a BKR (credit bureau) check for loans over €250 with a term longer than one month .

What Does Exist Instead?

While mainstream lenders must perform BKR checks, there are alternative lending options that often bypass BKR registration or checks:

• Short-term mini‑loans (flitskredieten) and microlending: These provide small amounts (often under €1,000) quickly and typically for a very short duration. They often skip the BKR check—but come with significantly higher interest rates and fees .
• Private lending: Borrowing from individuals (e.g., friends, family, or private investors) avoids BKR entirely—though such arrangements should be formalized in writing to reduce personal and legal conflicts .
• Crowdfunding platforms and credit unions (kredietunies): These peer-to-peer or cooperative models may allow borrowing without a BKR check, subject to their own internal criteria and reliability .
• Pawnshops (pandjeshuizen): You can receive a secured loan using personal goods as collateral. These are typically not registered with BKR—but failure to repay means losing your collateral .
• Lease options (for business): For entrepreneurs, companies like Eurocars Bedrijfswagens offer financial lease options without performing a BKR check or registering the lease with BKR—though these are typically business-use only .
• Purchase on installment without BKR: Some retail financing (e.g., electronics paid via in-store installments) may not involve BKR checks—but terms and conditions vary, and some newer “buy now, pay later” (BNPL) services may soon fall under AFM oversight .