What we do not do
- No credit advice
- No brokerage
- No offer without an assessment
Borrowing money without a BKR (the Dutch credit register) check: a warning
This page is not an offer. Borrowing without a BKR check does not exist among licensed providers in the Netherlands, and anyone promising it anyway deserves your suspicion.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Please note: borrowing money costs money. Every provider with a Dutch credit licence is required to consult the BKR for credit from € 250 with a term longer than one month. That check exists to prevent over-borrowing. It is not a formality a provider may skip.
Anyone advertising loans without a BKR check is therefore generally operating without a licence or from abroad. You then miss out on the statutory credit information, the right of withdrawal and access to the complaints institute Kifid. That is not an opportunity, but a warning sign.
Finass Verzekert advises on and arranges non-life insurance under AFM licence 12016589. We do not lend, do not broker credit and deliberately do not refer you to any offer on this page. What we do here is explain how the check works and what you can do if you are refused.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
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Who does what around the BKR check?
The division of roles between us and a provider that does hold a credit licence.
What to look out for
Signs that a provider is not sound.
- A promise without a credit check
- Paying in advance
- No licence number
What we do provide
What you can come to us for.
- Home and traffic
- Liability
- Business and property
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Consulting the BKR on a credit application | No | Yes |
| Assessing whether the payments are affordable | No | Yes |
| Explaining a registration or arrears code | No | Yes |
| Granting credit without an assessment | No | No |
| Advice on personal non-life insurance | Yes | No |
| Business insurance and property policies | Yes | No |
No provider with a Dutch credit licence may grant credit without the assessment required by law.
What to look out for when comparing
- The provider's licence: if the firm is not in the AFM register, stop straight away
- Advance payment: a deposit, administration fees or payment requests in advance point to fraud
- A promise without a credit check: no licence holder may skip the BKR check
- Annual percentage rate: if the APR is missing from the information, the statutory basis is missing
- How to complain: without membership of Kifid you have nowhere to go in a dispute
- Your own BKR record: request it and have an incorrect registration corrected
This overview is general in nature and is not personal advice.
How it works
- You check the providerLook up the name and licence number in the AFM's public register.
- You request your BKR recordThat way you know exactly what has been recorded about you and whether it is correct.
- You look for help rather than creditIf the payments are a strain, your local authority offers free debt counselling.
- We arrange your insuranceFor home, traffic and liability you have come to the right place.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four things to know before you take up such an offer.
The check protects you too
The BKR records current credit and payment arrears. A provider uses that information to assess whether new payments fit alongside your income and fixed outgoings. That is called the creditworthiness assessment. If you are refused, that is a statement about affordability; carrying on looking for a provider that will say yes is usually the most expensive route.
No licence means no protection
With a provider that has no AFM licence you have no right to the European standard information, no right of withdrawal and no access to Kifid. The statutory caps on credit charges and on debt collection costs are also rarely respected by such firms. In a dispute you are, in practice, on your own.
Payment in advance is almost always fraud
Is someone asking first for a deposit, an administration or broking fee, an advance payment via a gift card or a transfer to a foreign account? Then there is usually no loan. A licensed provider charges its costs within the credit and not in advance through payment requests. Also never share a copy of your identity document or your DigiD details.
What you can do instead
Request your own record from the BKR and check that the registration is correct. An unjustified entry can be corrected. If the payments become unmanageable, contact the credit provider about a payment arrangement. Your local authority offers free debt counselling; that costs you nothing and does not harm your position.
Frequently asked questions
This is what people ask us most.
Can I borrow in the Netherlands without a BKR check?
Not from a licensed provider. The law requires the BKR to be consulted for credit from 250 euros with a term longer than one month, plus an assessment of what you can afford. Firms claiming otherwise generally do not hold that licence and therefore also do not offer you the protection that goes with credit.
Why am I registered with the BKR?
Because you have or have had credit from 250 euros with a term longer than one month. That is an ordinary registration and not a criminal record. Only where there are payment arrears is a separate code added, and that remains visible to other providers for years after repayment.
How do I recognise a rogue provider?
By the promise that no assessment is needed, by advance payment of a deposit or administration fees, by the absence of a licence number and a Dutch address, and by pressure to sign quickly. A foreign bank account and contact only through chat are also signs. Always check the firm in the AFM register.
What can I do if I still need money?
First see whether a deferral, a payment arrangement or help with fixed outgoings is possible. Your local authority offers free debt counselling. If licensed providers refuse you, they are saying the payments are not affordable. A more expensive loan from an unsupervised provider almost always makes that situation worse.
Can Finass Verzekert help me get a loan?
No. Our AFM licence covers general insurance only; credit falls under a different category. On this page we deliberately do not refer you to any credit offer, because the subject itself is a warning. For your insurance, personal or business, you can of course come to us.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Borrowing money quickly without a BKR (the Dutch credit register) checkPlease note! Borrowing money costs money, BKR check, warning
- Borrowing money: we refer you onPlease note: borrowing money costs money, APR, BKR check
- A business loan without a BKR (the Dutch credit register) checkNote: borrowing money costs money, BKR, licence
- BKR (the Dutch credit register) registration: how it worksDuty to check, retention period, referral
- How much can I borrow?Please note: borrowing money costs money, APR, BKR check
- Personal loan: we refer you onPlease note: borrowing money costs money, Fixed interest, BKR check
- Consumer credit: we refer you onPlease note: borrowing money costs money, APR, BKR check
Read more
Your insurance with us after all?
We compare several insurers on premium and conditions and explain which exclusions matter.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.