A car is one of the products that these days you can hardly do without. Especially when you have to travel every day for work, the car is the means to get from A to B. At the same time, a car is a big expense. Not everyone has the financial means to buy a nice, new car. And saving takes a long time. You usually need such an important consumer item quickly, you can’t wait for years to come.
A used car is of course always an option. However, if you want to be able to advance your car for a considerable amount of time, a new car is the best option. Incidentally, it is also nice to be able to take to the streets in a nice copy, because that only does good for your position as a serious career maker.
Borrowing money for cars is not an option for everyone
Now the problem starts for many people and maybe also for you. How do you quickly finance that new car ? Or how can you borrow money as quickly as possible without BKR testing? You can of course borrow money for your car. Unfortunately, that is not something that goes without saying for everyone. What if you already have a loan? For your new computer, for example, or for your house? Then get the bank to grant you a loan.
As soon as you are registered with the BKR, you also immediately have a sort of stain on you. A bkr registration does not necessarily mean that you do not meet your payment obligations. Although you pay so neatly according to all agreements, you are registered as a borrower and that can easily throw a spanner in the works when it comes to a new car. An installment car will also become more difficult in this case. The relevant authority will wonder whether you can meet all your payment obligations, even if that is still unjustified.
Car financing without BKR assessment
So what now? No new car then? No. Fortunately there are other options. You can also finance a car without a BKR registration. As long as you have no negative registration, there is no problem. However, not every loan provider also offers car loans. Another disadvantage of such a loan is that you must first arrange that loan before you can drive your car. And time is money, so why don’t you arrange everything a little faster?
Private lease is quick and easy
Private lease is a very good and quick option. You drive a new model with which all costs are covered by a fixed monthly amount. Because you only use the car for a certain number of years, it will remain in the name of the manager. This makes bkr registration no problem at all. The advantage of this is that you can hit the road immediately after the agreement. You also do not have to arrange additional insurance policies. It is therefore the easiest option.
Car hire purchase without bkr also possible
A possible disadvantage to a private lease without BKR testing may be that that beautiful car is not in your possession and that it will not come. What you will not get away from with a lease is checking your creditworthiness. Even if you are registered as a bkr, you can lease as long as you can prove that there are no problems with your finances. But what if your credit in the bank is not that great? There are also solutions for this. An installment car without BKR is also possible. You just have to find the right shape. In this case, look for dealers who make car hire possible.
How does lease purchase work?
Instead of money, you can also use your old car or other valuables with them. By pledging these you can obtain physical money. If you have an old car, you can also choose to exchange it for a value to be determined. With that you also create a form of credit.
First you choose the car that you want to use. If you know how expensive that car is, you can start making a simple calculation. You reduce the costs that you spend on rent per month with the money that you have received by pledging something. Or with the amount that your old car is still worth. You pay off your new car immediately partly with this money or with that trade-in value. The higher the value of your old stuff, the greater is the percentage that you immediately pay off. Suppose you want a new car worth € 50,000. For example, your old car is still worth € 5,000 and you have been able to pledge some other household goods worth 10,000 euros. Then you are already a long way. You then pay the remaining € 35,000 through a fixed monthly amount. In this way you do not need any assets at the bank. After all, assets are also assets.
Find the right dealer
Because this is a car loan without a BKR, there is usually a certain interest involved. It is therefore advisable to first do good comparative research. The dealer with the best conditions naturally wins. Be careful not to do business with unclear dealers. In that case it will probably cost you more money than necessary.
Why a hire-purchase car?
Simply because you do not have to give up a large part of the savings for the investment in your car. How easy is it to use your old car when buying a new one? You also have easy access to the best models. After all, you are not dependent on a certain loan amount at the bank. Ensure a good payment by pledging or exchanging and you are already a long way. If you then simply pay the monthly payments, you can immediately drive around in that beautiful car. No waiting and saving, just use right away.
What are other benefits?
Other benefits of car financing without bkr registration is that you have no hassle with banks. As you know, banks are not exactly the most friendly and open institutions on earth. As soon as you come to see them in a black daylight, you can expect one reminder after the other. In that case, it is often difficult to find a solution with one of the bank employees and the letters pile up. Unfortunately, many have already gained that experience. That only gives stress. In addition, you do not have to deal with interest in the case of a private lease.
What should you look for at the dealer?
As mentioned earlier, it is important to do good preliminary research. One dealer offers better conditions than the other. You always opt for the lowest interest rate, if applicable. With some dealers, it is also necessary, for example, to hand over a payslip. If you have a job that is of course no problem. However, if you are without a job for a while, then you are pretty good at that dealer. So don’t be too quick in your judgment. A responsible choice can save a lot of money.
Watch out for snakes under the grass
Also, don’t be fooled by very competitive conditions. For example, an interest rate of 0% is really too good to be true. Often the 0% interest only applies for one year. Those parties then demand that you pay off the entire amount after the first year. And after paying off one year, you are probably not yet ready to pay a large sum.
Leasing a car without bkr review?
As mentioned above, it is possible to lease a car without bkr review. There are a number of providers for leasing a car with a negative BKR.