Borrow money with a negative BKR listing

Do you want to borrow money with a negative BKR listing, what options are there? If you have a negative BKR listing, that has a reason. You will not just get a negative listing at the Credit Registration Office . There is a good chance that you have not paid off a loan properly. In such a case you will receive a so-called BKR coding behind your name.

Is borrowing money with a negative BKR listing sensible?

That is a question to ask yourself. The answer to this question is often no, it is not wise. Banks will therefore not quickly lend you money if there is such a negative coding. Lenders want security when it comes to repaying the loan. If it is agreed that the loan will be repaid within 24 months, a lender wants this agreement to be met.

Borrowing options with a negative BKR listing

Taking out a “normal” loan with a negative BKR code is not possible in 9 out of 10 cases. Almost all lenders will reject your application. Yet there are other options if you want to borrow money.

For example, you can look for a lender that does not perform a BKR check. This is usually the case if you want to borrow a small amount, for example 250 or 500 US dollars.

If it concerns a small amount, such a loan falls under the heading of “mini loan”. For such a mini loan, the application procedure is a lot less strict. Sometimes you will have the money in your account within a few hours after your application. Usually no BKR test is carried out for such amounts. The lender does not see that there is a negative BKR coding. This way you can still borrow money with a negative BKR listing.

Borrow money from friends or family

A mini loan is a handy alternative to the personal loan, but a disadvantage is the height of the maximum loan amount. You can never borrow more than 1,000 US dollars. If you need more money and borrowing money with a negative BKR listing is not possible, you will have to look for an alternative. You may be able to borrow some money from friends or family . If you know a lot of people, this is often not a problem.


If you need a large amount, you can borrow different amounts from different family members or friends. Borrowing money with a negative BKR listing is still possible in this way. Make sure you make good agreements with the people you borrow money from. Agree, among other things, when you are going to repay the borrowed money and what interest you may have to pay. In many cases you can borrow interest-free money from family or friends.

Borrowing money in this way can therefore be cheaper than via the regular route. Borrowing money with a negative BKR listing is therefore possible, you just have to put in a little more effort!

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