No worries! There are many other ways to take out a new loan to clean up all your debts.
There are several internet providers who make it possible for people with a negative BKR to borrow money.
In these financial times of crisis, there are also financiers who provide people with a negative BKR a loan provider. These financiers are of the opinion that your past has nothing to do with the present, and thus do not say the trust in you. It is possible that you just want to borrow a sum of money so that you can merge various more expensive debts into one affordable loan.
Taking out a new loan to clean up your debts is the best option you have if you have not won a jackpot. Many people have many different debts. One possibility is that you have a credit card of which you have taken the credit to the maximum, you are in your bank account and you have one or more loans, then you will benefit greatly from combining all these debts into one debt.
By taking out only one loan, you still have only one debt on which you have to pay interest. At one interest you are losing a lot less every month than you had previously lost interest. With the new loan you clean up the existing loans, take out the credit card and get the bill out of the red. You literally save hundreds of euros in interest and you make your debts clear for yourself.
In this way, cleaning up your debts often does not go with the regular bank. These banks see that you have different debts due to the inquiries they make at the BKR in Tiel. There are fortunately online financiers who are happy to help you solve your financial problems. These online financiers specialize in providing loans to people with a negative BKR and people who want to clean up their debts.
A disadvantage of a loan from an online financier is that the interest rate is generally a lot higher than with the regular banks. You should not, however, remember this to finally get an overview of your finances, because despite the fact that this loan is higher, you still lose many euros per month.
The reason why online financers do not check BKR is because they have devised their own method to avoid running a risk when lending money. If you take out a loan from an online financier, you need to send a copy of your last payslip. That way they are sure that you have money, and therefore can also pay back the loan.