Borrowing money quickly without a BKR (the Dutch credit register) check

With a licensed provider, no. The check is compulsory for credit from € 250 with a term of more than a month. Anyone advertising loans without a BKR check generally operates without a Dutch licence. You then lose the statutory information requirements, the cooling-off period and the right of complaint to Kifid.

No. We advise and act as intermediary solely in general insurance and hold no licence for credit. On this page we deliberately do not refer you on to a credit provider, because the search itself points to a risky situation. We only explain how the rules work and how to recognise misleading offers.

An arrears code remains visible for a number of years after the matter has been settled. That limits your borrowing capacity, but it also protects you. Request your entry from the BKR and check that it is correct. If the code is unjustified, you can ask the provider to correct it and, if necessary, start a dispute.

Contact the creditor and ask for a payment arrangement. That often achieves more than new credit. Local authorities offer free debt assistance and there are national information points for money matters. An expensive payday loan does not solve a shortfall but increases next month's fixed outgoings.

In the public register of the Netherlands Authority for the Financial Markets. It states which parties may offer credit or act as intermediary in it. Search on the exact statutory name and not on the trade name from the advert. If you cannot find the party, do not proceed with the application.