Balance dip after vacation | Borrow money for the holidays

We see it coming back every year people have had a wonderful holiday but have just spent a little too much money. The month after the holiday then takes just a little too long and you end up in a balance dip after the holiday. Often people don’t think about taking out a loan, too much hassle is a common excuse. Usually these people have not yet heard of the mini loan or the mini credit.

Borrow money after the holidays

Borrow money after the holidays

The holiday was great again, once arrived home, only the bank account is no longer filled. You are red and you just have to experience it at home. What do you do in such a case? There is a way to eliminate the balance dip through the mini loan. There are also plenty of people who already take out a mini-loan before the holiday, but you can of course also do this after your holiday.

The holiday allowance is often not enough to cover the entire holiday, savings must be made or, in the worst case scenario, people will start borrowing money. Borrowing money for a vacation is often not the most sensible solution since you still have to pay off while the vacation is over. We therefore do not recommend this. The maturities of the mini loans are also quite short so you will have to repay the borrowed money quickly.

Borrow 1000 euros after the holidays

Borrow 1000 euros after the holidays

If you decide to get rid of your balance and want to create more financial space through the mini loan, you can borrow a maximum of 1000 euros. You can of course also borrow less than 1000 euros. The duration of a 1000 euro loan is 45 days.

Apply and transfer money quickly to your account

Apply and transfer money quickly to your account

Because you can borrow a relatively small amount with the mini loan, the application process was made in no time. No long conversations or papers that you must complete, but you can close a mini-loan online quickly and easily. You will need to be approved for the first application, but you can request the mini-loan by SMS for a subsequent application. In most cases you will have the money in your account the same day. Therefore, there is no other loan type where you can get the money you need quickly. This is also one of the reasons that you can quickly resolve a balance dip with a mini loan.

Mini loan providers

Mini loan providers

If you decide to borrow money after your holiday by means of a mini loan, you can submit the application to one of the mini loan providers on our website. These are affiliated with the AFM, which supervises all lenders. You know in this case that you borrow money from a mini-loan provider that adheres to the rules that apply to granting loans. You do not pay high interest and other additional and / or hidden costs.

Borrowing money always costs money.

How do you keep your finances in order?

There are those months when your money seems to disappear like snow in the sun. If you still have enough income and can pay all your fixed costs, then of course there is nothing wrong. It only becomes a problem if you no longer have any money left and you cannot meet your monthly payment obligations.

To prevent problems, it is therefore important to keep track of your finances. By doing this you know exactly what is coming in and going out every month. You then have insight into your spending pattern and can change this if necessary.

If you need money in the short term, then it is an option to borrow money. To determine whether a loan fits within your budget, it is therefore advisable to put your income and expenses on paper properly. You can then see how you are doing financially and whether you can actually borrow money.

How do you ensure that you do not get into financial difficulties?

How do you ensure that you do not get into financial difficulties?

It is terrible to end up in financial difficulties. It often takes years before you get out of debt. It is often comparable to gaining and losing weight. It is easier to gain weight than to lose weight. This is also the case with borrowing money and getting into debt. Borrowing money quickly is fairly easy, but paying off a loan is usually a lot harder. To prevent you from getting into financial difficulties, it is therefore wise to always keep your finances in good order. Especially if you have debts or a loan. You then have a good overview of what you still have to pay and you will sooner gain insight into how to do this.

How much money do you earn and how much do you spend?

How much money do you earn and how much do you spend?

Keeping track of finances is mainly about keeping track of your income and expenses. Income can be your wage, the mortgage interest deduction, any healthcare and rent allowance, child allowance and other forms of income that you may receive.

With expenditure you can think of the rent or mortgage, the car, gas, water and light and food. By adding up the total of the income and subtracting the total of all monthly expenses from this, you know exactly what you have left over each month. If this is a negative amount, you have too little income or expenses. This means that you will have to cut back.

Am I going to borrow money for a large edition or am I going to save money?

Am I going to borrow money for a large edition or am I going to save money?

If you have a good understanding of your finances, then you also know whether it is wise to take out a loan for a large expense, such as a new car or a new kitchen. Saving is of course more sensible, but this is not always possible. It is then an option to take out a cheap payday loan. You hereby lend a fixed amount at a fixed interest rate and duration. So you know exactly where you stand.

Would you like to request a free quote for a payday loan? Then you can do that here. We only work with registered lenders. You will usually receive a feedback by e-mail within a few working days.

How much can I borrow? | Calculate maximum loan

A question which people who want to borrow money often ask themselves is how much can I borrow? If you want to take out a personal loan, revolving credit or a mortgage, this question is the right one. You will need to know how much you can borrow before you can apply for such a loan. Even if you want to request a mini loan, this question is important.

Get a loan

Get a loan

If you ask yourself “how much can I borrow” then you are looking for a loan for a specific purpose. Do you want to buy a house then the question is how much can I borrow? relates to the mortgage that you may want to take out. If you want to buy a car you will want to take out a personal loan. The amounts you can borrow are different for each loan type. You should therefore first calculate how much you can borrow for which loan form.

Nowadays you can calculate online how much you can borrow. When applying for a loan, you must always bear in mind that you will also be dealing with interest. Take, for example, the mortgage interest, which considerably affects the costs of a mortgage.

What to borrow money for?

What to borrow money for?

You can borrow money for many things. You can request a mini-loan for amounts up to 1000 euros, the rules and conditions for this loan form are fairly flexible. For larger purchases such as a car, a boat, the renovation of your kitchen, you take out a personal loan or revolving credit. And for the purchase of a house you will have to take out a mortgage.

Borrow money? Compare first!

Borrow money? Compare first!

Are you going to borrow money start comparing. You will always have to compare the lenders to apply for the cheapest loan. Pay particular attention to the interest that the lender charges on the loan. Comparing the mortgage interest can save you a lot of money. By comparing the mortgage interest you can save hundreds of euros per month. But even with a smaller loan such as the mini loan it is advisable to compare the mini loan providers. Pay particular attention to the conditions when you start comparing. The small print when applying for a loan is very important and can cause a lot of trouble.

Maximum loan

Maximum loan

When applying for a loan you will never have to borrow the maximum if you ask us. Unexpected situations may always arise that could prevent you from meeting your obligations. Suppose you lose your job, in such a case you have a problem if you have borrowed the maximum amount. It is therefore not wise to calculate the maximum mortgage. You could calculate the maximum mortgage but it is not wise to take out this too.

Mortgage interest expectation

Mortgage interest expectation

When calculating how much you can borrow, you must use actual interest rates. And not about, for example, the expectation of the mortgage interest or the expectation of any interest whatsoever.

Lowest mortgage interest

Lowest mortgage interest

As with applying for every loan, you will want to pay the lowest interest. As we described above, certainly with a mortgage, you want to pay the lowest mortgage interest. Also with taking out a mini loan, personal loan or revolving credit you will want to pay the lowest possible interest. Of course, the difference is considerably larger if you pay the lowest mortgage interest rate compared to the lowest interest rate on a mini loan. But it is always worthwhile to compare interest rates well. For any loan whatsoever, you do not want to pay too much for your loan!

When asked how much can I borrow? An answer can indeed be found, but always bear in mind that you will never borrow the maximum amount.

Borrowing money always costs money.

5 Tips for applying for a Mini Loan

When applying for a loan, anyone can use some tips, including you. After all, we do not request a loan on a weekly basis, so if we are going to borrow, we will first read what the options are. Of course you already know the approximate amount you want to borrow. If this is an amount of 1000 euros or lower, you can request a mini loan. You can also use some tips for such a small loan, such as the mini loan.

Tip 1. Mini loan without BKR

Do you know that you have a BKR coding? Then there is no reason to panic. When applying for the mini loan, no inquiries will be made at the BKR in Tiel. So you can safely borrow money without BKR. By the way, if you want to borrow more than 1000 euros, a BKR check will be carried out. You should not underestimate the mini loan without BKR. You must realize that the BKR is also there for you. By borrowing money without BKR review you will therefore have to be so wise to repay the borrowed money on time. The fact that you have a negative BKR code indicates that you have not always met your payment obligations in the past. So pay attention to this!

Tip 2. Do not borrow unnecessarily

Tip 2. Do not borrow unnecessarily

No matter how nice the mini loan may seem, never borrow it if it is not really necessary. You pay interest on every loan, so it is a shame if you take out a small loan for something that you can save for. If you wait a little longer, then you can probably buy what you borrow money for.

Tip 3. Compare mini-loan providers

Tip 3. Compare mini-loan providers

Borrowing money, costs money. Before you take out a small loan, it is advisable to thoroughly compare the providers. Nothing is more annoying than finding out too late that you could have taken out the mini loan much cheaper. Because there are not so many mini-loan providers active at the moment, comparisons were made in this way. How beautiful is that? In a short time you can save money on taking out a mini loan by making a comparison.

Tip 4. Pay off the mini loan on time

Tip 4. Pay off the mini loan on time

As with every loan, this is no different with the mini loan. The borrowed money must be repaid. And there is often the problem, because if you do this too late, you will receive a fine from the lender. This fine is often disproportionate to the amount borrowed. So avoid paying extra by repaying your loan on time.

Tip 5. No fixed income? Prefer not to borrow

Tip 5. No fixed income? Prefer not to borrow

If you temporarily have no fixed income then it is not wise to borrow money. With the mini credit it is possible to borrow a sum of money in this situation, but it is better not to do this. The mini loan has also been given the term “Borrow without hassle”. It is also the easiest way to borrow. And that’s where the problem lies for many people … They borrow a small amount too easily.

Conclusion

If you list these mini-loan tips, we will come to the conclusion that the mini-loan is ideal if you want to borrow money quickly. And borrowing quickly with BKR is possible, you can have it in your account in as little as 10 minutes. But always think carefully before applying for a mini-loan.

  • Can you pay the money back in time?
  • Don’t you borrow more than necessary?
  • Can’t wait with your purchase?

If you can answer these questions for yourself, you will know whether you can apply for a loan.

So quickly you get your money when you apply.

Most people have experienced missing the last money to cover an unforeseen expense or a bargain. If parents, siblings, friends or savings can’t help you, finding a good solution that is not cumbersome or time consuming can be difficult. However, help is available. A short-term online loan can, in situations such as those described above, be a good, easy and satisfactory solution when you need money in a hurry and can’t cope with having to figure out the financial situation of your bank advisor.

When you may need quick money

When you may need quick money

The number of scenarios where quick money may be needed is too numerous to describe them all. However, good deals or unforeseen expenses are the typical scenarios where one may need to cover a gap in the budget.

The word lies in the fact that it is difficult to plan out of unforeseen expenses, which is why they often create an urgent need for money. Home or car repairs are among the biggest contingencies, as they require specialist knowledge and are often of a comprehensive nature. It is the budgets of most people who can handle extra expenses of this kind.

Less unforeseen expenses that occur on a regular basis in most people’s budgets are, for example, the cost of bicycle repairs, dentists and fines. Of course, it is possible to argue that you can plan your dental visits, but there can still be acute dental injuries that require immediate treatment and will affect the budget.

In addition to the dull cases where the need for extra money is to cover expenses, for example, you may need money for a good offer before it expires. A loan can be a good idea here, especially if the saving on buying the offer item is greater than the cost of the loan, as this will save you money.

So quickly you get your money when you apply

So quickly you get your money when you apply

When you apply for a loan with us, you will receive a response to your application within minutes. If you are approved, we will transfer the money immediately.

Therefore, the money in your account is immediately after your application is approved.

Our easy and flexible loan therefore means that you no longer have to worry about unforeseen expenses to the same extent, since you always have access to fast money in a clear and easy way.

Redeem credit & pay less interest – how does it work? | Loan consolidation

Are you annoyed about excessive borrowing costs? If you replace your current loan, you can now save a lot of money. Loans taken out years ago have high interest rates compared to current loans.

Even with installment loans with long maturities, a loan repayment can be worthwhile:

  • With online instant confirmation
  • Real customer reviews
  • TÜV tested and safe

Replace installment loan

Replace installment loan

A premature redemption or rescheduling can make sense if the agreed interest rate on the existing installment loan is very high and can be saved by repaying the interest payments every month.

If the remaining term is less than a year, a replacement is not useful.

Whether an early repayment is possible depends on the conditions of the credit institutions. In installment loans, however, the conditions are usually designed so that an early repayment is possible at any time.

Before you replace your loan, you should take a closer look at the contractual clauses of the existing financing: Under what conditions can you replace the loan? In this context, especially the date of the conclusion of the contract plays a role.

Replacing mortgage lending

Replacing mortgage lending

If an existing mortgage lending is to be replaced prematurely, this is not easily possible. Basically, the customer has no claim to repay the loan early.

If the banks nevertheless agree to the payment, they charge a prepayment penalty. The bank calculates the damage caused by the early repayment of the loan.

An exception is made for loans for which a fixed interest period of more than 10 years has been agreed. These loans have a right of termination after a period of 10 years with a notice period of six months.

Credit Loss: Note the date

Credit Loss: Note the date

When the EU Consumer Credit Directive came into force on 11 June 2010, much has changed in the area of ​​credit debt and credit redemption:

Contracts concluded before this date are subject to the old law – three months’ notice and no payment of a prepayment penalty. However, if you wish to repay a loan that you have closed after the balance sheet date, the bank has the right to charge a fee for the early repayment. If the residual maturity is more than one year, the Bank may charge a fee of no more than one percent of the loan amount – less than 12 months 0.5 percent of the loan amount. For this you may replace your loan at any time.

If the lending institution charges a prepayment penalty, you should consider whether the interest savings resulting from the lending will be offset by the charge. In this case, a loan repayment would not be worthwhile.