All posts by Nicholas Danielson

Accounts Credit


When you are in trouble with time, the option of paying off your money sounds more than good. Many people take advantage of this fix, as evidenced by the various leaflets in the mailboxes, the most favorable options from tram stations and the borrowings from lighting poles. But lending money that way, whether or not we wanted it had consequences. The possibilities for fraud are endless because money is borrowed without any written trace.

If there is no contract, both parties can say whatever they want about the terms of the loan. The one who borrowed the money can claim that it is a larger sum of money, and the one who lent it may claim that the money has already been paid back.

The options are endless and can cause a whole host of problems. It’s best to avoid such things and stick to the one “if it sounds too good to be true, it probably is.” The gray market is booming with the advent of credit houses, but there is a list of legitimate credit houses that can be checked on the Good Finance Bank’s website.

Account Credit: Security gives a written clue


It is best to borrow money through a bank, savings bank or credit institution licensed to work in Croatia. It is advisable to take out loans through your account as this leaves a written record of the terms of the loan. All the above institutions operate exclusively by signing contracts and paying money through a checking account.

The most popular credits through accounts are cash loans


Cash loans with accounts that require minimal documentation are most popular, and an application for it can be requested online. These are usually smaller amounts of money that do not pose too much risk to banks or credit institutions. Money is paid out as soon as possible, and the advantage is that it is a small amount that the customer can pay back quickly. This also means that if he needs the money again, he can again take out loans through his account.

Loans through accounts are also taken to close debts. Most often they are about closing down the minus which is the most popular way of borrowing. Equally, credit through accounts helps with unforeseen situations where you need money urgently to repair your home or car repairs.

Account Credits: Options with no boundaries


Account credit is suitable for all generations. They are intended for anyone who has a decent income and who regularly settles their debts. This means that they can be asked by young people who want to cover their school costs, retirees who are insufficient for out-of-pocket pensions and workers who want to afford something that exceeds their home budget.

The banks are much more rigorous in meeting the requirements than credit houses and are looking for more paperwork while credit houses have minimized documentation and facilitated the process. It is necessary to submit a copy of the ID card and current account card, and if it is a larger amount then a payroll or pension list should be attached. Most importantly, the current account is not blocked or protected.

Loans through accounts are paid off as soon as possible, no longer than 24 hours, at least when it comes to a credit house. Banks have accelerated their process, but most still take longer than credit houses because their business is still not fully digitized.

Loan online with bad credit -Fast approval via internet loans for bad credit

Fast approval via internet loans for bad credit

The best thing is that you contact us via our site. So we can see for you if you can get a loan and for what amount you can borrow money.

The level of income is a very important factor. But there is more than just the monthly amount. We discuss this in the article below. This way you can see what is going on in the assessment of your file.

How much wage or salary?

Borrowing money also means that you must be able to repay the contracted loan. One of the most important elements in the evaluation of your credit application is, therefore, your salary or salary. It is from this income that you repay the lender on a monthly basis. As a general rule, you can borrow up to a third of your income. The level of your wages or salary is therefore important. But there’s more.

Employment prospects

If you take out a loan for a longer period, it is important that you have sufficient income during the entire period. Therefore, you do not only look at what you have earned in the past and what you earn now. The bank also tries to assess how certain you are of your future income.

In order to answer the question ‘can I get a loan‘, the bank will check which sector you work for, how long you have been working and what the prospects are. Two concrete examples:

  • A permanent official with a long service record gives the lender a lot of security. This is a positive element for the credit file.
  • An employee who works with an internship contact or a temporary contract has a lot less security. Who says that he or she is still working at the same employer within a few years? The bank will also see this as a less favorable element when it comes to a nice monthly wage.

Sector of employment

Not only the individual work situation plays a role. The sector and the nature of the job are also taken into consideration. Those who are active in the business sector that is running well and where there are good prospects is to the advantage. For example, it can be an advantage for the worker if you work in the chemical industry. Certain jobs in, for example, the textile industry are under more pressure. For the lender, there is more chance that this last worker will not be able to keep his job during the entire term of the loan.

You notice, there is a lot more to it than just the level of the wage. There are other factors such as the family situation, other current loans, borrowing money with a blacklist, owning a home, possible guarantees through other people who sign up, the possibilities of the credit broker, and so on.

Can I get a loan?

An experienced credit broker can quickly estimate where the strengths and weaknesses are in your file. You want to know ‘Can I get a loan?’ The first step is to find the loan that best suits your personal financial situation.

Borrow direct money – 4 tips to quickly borrow money

Sometimes you end up with unexpected expenses. Borrowing direct money is often the only solution

You want to apply for a loan quickly and the money has to be put on your account quickly. The best way is undoubtedly to opt for an online loan application. How do you make an online application? And how do you ensure that you get approval as soon as possible? We look at this in the article below.

How can you borrow money directly?

Borrowing directly means that you do not have a lot of time. You want the file to be around quickly. You want to have the borrowed money quickly. It is then important that no delays occur during the loan application. There are many reasons why your file.can be delayed. The tips below will certainly help you to get the loan settled more quickly. So you are sure that there are no delays from your side. A loan application always takes place in a number of steps.

Do your application online. You do not just jump in at a bank now to arrange a loan. You must make an appointment in advance. Often they can only receive you the next day (or the next week!). That is all precious time that is lost. That is why many people simply make their application via the internet.

Choose a specialist. You want to borrow money straight away so the loan must be applied for correctly. A specialized credit broker can better assess your file. If the loan that is requested does not match your profile, you will receive a provisional or definitive refusal from the lender. Of course you want to avoid that. A broker with a lot of experience provides a loan to your size. If the loan fits your financial file, everything is arranged much faster.

Be honest with your situation. It still happens that people make an application and thereby withhold information. For example, they do not indicate that they have all current loans. The request is being processed and these negative elements will certainly be released. The consequence? The loan is postponed or even refused.

Keep all documents ready. You want to borrow money directly so you do the application online. Make sure you have the necessary documents at hand. Your own identity card and possibly that of your partner, proof of income such as pay slips, bank statements, … If your application is being processed, the broker will attach a copy of these documents to the file. So if you do not find your last payslip (s), for example, you will be delayed with the final acceptance.

Where can you borrow money directly?

In short, the best way to borrow is to make an online application through a specialized broker. Pass all information honestly and correctly and keep the necessary documents at hand. This way you can immediately borrow money without delays in your file. Handling your file properly not only helps you to borrow money quickly. You also increase the chance that your file is actually approved. After all, the approval of a financing file is a complex matter with many elements.

Borrow money without a bank – Borrow through the internet

If you are looking to take out a loan, there are now several possibilities.

Traditionally, people used to go to a bank branch in the neighborhood. Now that is completely different. Borrowing money without a bank has become at least as popular with the rise of the internet. There are good reasons why people take out a loan without a bank.

Why borrow money without a bank?

If you are looking to borrow money, it is obvious that you will compare different banks and other lenders. And then we do not only mean the interest rates or interest rates of the various parties. Borrowing money without a bank often causes people another reason.

  • It is thus every provider of loans sets its own conditions to approve a loan application. The lending of money involves risks for the credit providers. There is always the possibility that the debtor will not be paid back or paid too late.
  • Each institution handles the risk differently. There are banks that focus on the ‘easy’ customers. Two earners with a large income, some extra savings on the bill, a home and a stable job. They get an agreement from the bank pretty easily.
  • Not everyone is in such a luxury position. In many people their file is not so rosy. Borrowing money without a bank is often the solution. After all, there are creditors who have focused on the more risky files.
  • Of course, borrowing should never be frivolous. It is important to check with yourself whether you will be able to repay the loan. Taking out a loan to get into trouble is definitely not recommended.
  • Borrowing money without a bank gives some extra possibilities for those who have thought carefully. Also who is on the black list and owns a house has another possibility to borrow.
  • The interest rate or interest rate of the loans may then be slightly higher. However, it is reassuring to know that the legislator has set maximum interest rates. If you borrow in an official way in Belgium you should never fear that you will have to pay interest on interest.

Where can you borrow money without a bank?

The easiest way to submit your loan request is of course via the internet. Any serious lender or credit broker undoubtedly has a website. On that website it is then possible to apply for a loan online. You give all the data and you know pretty quickly whether your loan has been approved. Borrowing money without a bank does not just give you more options. You do not have to leave the door for your application, you do not have to make an appointment and you will be helped quickly.

Comparing JKP from a personal loan

In this article we will discuss the annual percentage rate or APR of a personal loan . Borrowing money also costs money.

That is clear to most of us. In order to clearly indicate to the consumer what a loan actually costs, use is made of the term annual percentage rate or APR of a loan.

Those who apply for a loan want to have the opportunity to compare different providers. Just like all loan types, costs and fees are also linked to the personal loan. These costs consist first of an interest that must be paid on the borrowed money. In addition, banks and lenders can count a number of extra costs such as file costs. Borrowing money can therefore become unclear. In order to be able to compare properly, the JKP of a personal loan was therefore created.

  • The total cost of a personal loan therefore consists of 2 elements. There is first and foremost the nominal interest rate. Suppose you decide to borrow 5000 euros. The interest rate of the loan is 5%. This is not yet the APR of a personal loan, but the nominal interest rate.
  • As a consumer you could therefore reason at first sight: If I pay 5% interest on my credit, I have to pay 5000 x 5% = 250 euro interest after one year.
  • However, this is often not true. With many personal loans, the contract states that the interest is not calculated per year, but over a shorter period.
  • From the first month after deriving, interest is charged, namely 1/12 of 5%. Every month the outstanding debt increases a little because there is also an interest on the interest.
  • After a year, therefore, more than 250 euros interest will be owed on the outstanding loan.
  • There is already some financial mathematics around the corner. We like to refer the lovers of formulas and numbers to this Wikipedia page .
  • In any case, it is clear that it is not easy for the average credit applicant to calculate this yourself.

APR of a personal loan and costs

Small Business Short Term Loan

  • The bank or lender may charge additional costs when taking out a personal loan. These file costs are, in principle, clearly stated in the contract. Yet this also makes it more difficult for people to compare loans.
  • That is why banks, creditors and brokers are always obliged to clearly state the annual percentage rate or APR of a personal loan. This APR shows the real annual cost of the credit.
  • You do not have to be a crack in mathematics when you take out a consumer credit . You should not fling out whether bank A calculates its interest monthly, bimonthly or annually. You also do not need to create an Excel file with all possible costs associated with the personal loan.
  • It is sufficient for the consumer to compare the APR of a personal loan with that of another personal credit. The loan with the lowest APR is in any case the cheapest of the two. This is calculated independently of the nominal interest rate and costs.

APR and risk

  • A lender using a lower JPK receives a lower fee for lending money. The interest rate is also a reflection of the risk that the lender is prepared to run. A loan with a low APR is therefore more difficult in practice.
  • A lender who charges a higher APR will be more risky. The chance that a loan application will be approved is higher. For example, the file of someone who has been blacklisted will always be considered riskier.
  • The APR of a personal loan is, like all other loans, limited by the legislator to the top.
  • This article emphasizes the personal loan. For the sake of clarity, we would like to mention that this money applies to all forms of consumer credit, such as a car loan or a loan for a motorhome.

Borrow money? All loans can be requested online here.

On this website you will find a lot of interesting information regarding money borrowing in belgium .

There are a lot of expenses that can not be paid in cash for the average consumer. Think of the purchase of a house, a new or second-hand car, a nice trip or a renovation. Do you want to be helped quickly and expertly?

A loan with expert advice

Small Business Short Term Loan

It is first of all important that you take out the right loan that suits your situation. There are different types of loans and they vary quite a bit in terms of maturity, conditions and interest. You will find an overview of the most important forms of money on this site. We will give you a lot of info through the website.

Borrowing money also costs money. But that is not a problem in itself. With the right credit adapted to your situation you can perfectly balance your budget. You do the best thing with a customized loan. We are happy to help with that. That way you can be sure that borrowing money does not give you sleepless nights. We will give you a first overview of the various loans on this page. Take the time to compare the different types of loans. Every form of loan is extensively discussed on our website. Are you ready for the best deal?

Borrow money: types of loans

  • Buying a house or apartment? Then you automatically end up with the mortgage loan . Borrowing money with a mortgage means that the bank takes the house as collateral. The bank therefore has a great certainty that it will be able to recover the invested money. The interest rate on mortgage loans is therefore extra advantageous.
  • Buying a car, motorcycle or mobile home? This could in principle be done with a personal loan. However, you are cheaper if you go for a specific loan for cars. Pay attention, however, one car loan is not the other: there are differences in maturities, interest rates and conditions. This depends on whether it is a new car, an occasional caravan or a motorhome. There are also many variants within the car loan .
  • Making a nice trip? Pay a communion celebration? You can call on a personal loan for the most diverse expenses. The sum is deposited into your account and you can freely dispose of the money. The guarantees for the bank are less so that the interest rate in general is somewhat higher.
  • Install a new bathroom or kitchen? Renovate your house? The renovation loan is perfect for this. You can decorate your home and transform it into your dream home. Mortgage registration is not required for this type of loan.

Money lend personal credit – personal loan

Do you want to take out a credit on the best terms? Borrowing money with a personal credit or personal loan is a good way to finance your purchase.

You have a clear repayment plan and you know exactly where you stand beforehand. You can go to the bank for loans for all purposes. This on interesting terms and tailored to your options and budget.

  • If you are faced with an important purchase or large expense, it sometimes happens that your bank account is being used.
  • You may decide to go red in your bank account.
  • If you do this for a longer period of time, the interest rate rises high. Higher than if you had subscribed to personal credit for money.
  • With a personal loan you have a clear view of what you will repay per month. You know the monthly amount, you know how many months it will take before the loan is set flat.
  • You also get a clear view of the interest that goes with it.
  • All these things are already known before you conclude the credit agreement. You will not be faced with unpleasant surprises in this way. This will prevent you from ending up on the black list sooner or later.

Money lend personal credit: benefits

The personal loan is one of the four large loans, in addition to the renovation loan or renovation loan, the mortgage loan and the car loan. So if you are making personal loans in the context of money lending, you will mainly know the monthly reimbursement. It is important that you check with yourself whether this reimbursement is feasible for you. If not, you can sit with the credit broker and see if it is possible to extend the term. If you can borrow the same amount over a longer period of time, the monthly repayment will be reduced. You do pay more interest because the loan runs longer. It is therefore important to carefully weigh the amount to be borrowed and the duration in advance.

Consumers who borrow money on a personal loan are well protected by the legislator.

  • The lender is obliged to verify with each loan application that the applicant is not on the blacklist. This entry at the National Bank plays a major role in the approval of the application. Anyone who is on the black list and is the owner can possibly receive a loan under certain conditions.
  • The maximum interest rates for personal loans are set by the legislator. The consumer is thus well protected against so-called usury interest.
  • A personal loan can always be repaid early. This does involve extra costs. In addition to the outstanding capital, the bank or lender also requires a compensation equal to three months’ interest. You can always check whether it is interesting to have your loan reviewed .

You can borrow money via the internet via our website

The internet is impossible to imagine in our lives. We can do just about anything via the internet nowadays.

Online shopping, contacting friends or family, ordering concert tickets, even putting the heating at our home higher or lower at work. Borrowing money via the internet is therefore not so strange. More and more people are choosing the convenience of the internet if they want to borrow money.

The advantages of borrowing money via internet are clear:

  • You win a lot of time.
  • You contact the credit broker when it suits you.
  • You do not have to leave the door: no traffic jams, no parking fines
  • Your application is very discreet and confident.
  • Quick treatment of your file

How to borrow money via internet?

  • Borrowing money via the internet is done through a very smooth procedure. You contact the broker who discusses your file with you via email or telephone. You will receive a proposal tailored to your needs. If the broker still needs documents from you, you can send them by post, fax or e-mail.
  • The big difference between online shopping and applying for a loan online is that the latter does not happen completely automatically. For example, if you buy cinema tickets or airline tickets via the internet, no one is involved.
  • Borrowing money via the internet is not automatic. Also on the other side of the computer connection there is a person of flesh and blood that follows your file. And that’s a good thing too. This way you can be sure that your loan is in line with your wishes. This in terms of duration, amount and type of loan.
  • Borrowing money via the internet is possible for all current loans. Many personal loans are passed on via the website. But car loans, rebuilding loans and home loans with mortgage are also requested via the internet.

Refused at the bank – can I get a loan?

You have submitted a loan application but you have been refused at the bank?

There are other options for borrowing money. What is possible and what does not depends of course on your situation, your income and current loans. Can you still get a loan? It is first and foremost important to know why the application was refused. Read all about it in this article.

Nice is of course different. You make a loan application from your own bank or another bank in your area. You look forward to the result. And then you get the bad news: you have been refused at the bank. Does the bank not want to give you a loan but are you not on the black list? Then you can search online for another lender. After all, every lender has his own way of looking at your file. One society may find it too risky to grant you a loan. The other company has a different view of the case and approves your request. It is therefore not because you have been refused at the bank or a particular financial institution that it is therefore completely impossible to get a loan elsewhere.

Refused at the bank – black list

On this website we do not tell you fairy tales. Have you been refused at the bank because you are on the black list? Then you can indeed no longer receive a loan – unless you have a property.
If you are not an owner, you will receive a negative answer from every bank and lender. The blacklist serves to inform the other credit companies that you have or have had payment problems. At the same time you will avoid making more debts.
Have you been refused at the bank but are you the owner? Then there are a limited number of credit providers that can take your dossier into consideration. It is then important to ask yourself whether an extra loan is a solution to your problems. Or does it only lead to more problems?

Where can you go?

Have you been refused at the bank? There are still a limited number of possibilities to get a loan.

You can request a loan through the online credit broker

Request a loan, how does it work? The online credit brokers are happy to make it easy for you.

You can submit a loan request via their websites without having to leave the house. All applications for a loan that come via the website are often given priority. They understand that you want to be informed quickly about the status of your file. They take care of that.

Request a loan at the office?

It does not really matter anymore to enter an office and put your entire situation on the table. It takes a lot of time and effort to personally visit all banks and credit brokers. Moreover, it is not very discreet. Every office in your area will then be aware of your financial situation and you know that you are looking to borrow money. It is also not nice if you are refused by the bank in your street.

It is not surprising that a loan application therefore happens more and more online. From the comfort of your own home you can contact the broker and request your credit in peace and quiet.

How to apply for a loan?

  • The first step is to contact an online lender via his website. In this way he already gets a picture of your questions and wishes. Every dossier is different. And therefore every solution. They discuss the possibilities with you and look for the best solution for you. There is the possibility to take out a new loan or possibly to revise an existing loan .
  • They need additional data for the further processing of your file. You can then send them to them by mail, fax, e-mail or via an online form.
  • Applying for a loan also means that you would like to be kept informed of the status of your credit application. You can also contact the broker by email or by phone. Even if there are still uncertainties or questions, they are ready for you quickly.
  • You can apply for a wide range of credits via the internet. A personal loan, financing for a car or motorhome, a home loan, renovation , renovation, holiday loan, and so on.