You get a fast credit with a mini loan. People who have already borrowed before and are known to the lender can apply with their mobile. The money is then quickly transferred to your bank account. The mini loan is therefore also referred to as flash credit. Depending on the provider, the amount of the mini loan is 100-800 euros. Usually this amount must be repaid within a maximum of 45 days. The interest is just as high as with a mail order company or with a bank in red (around 14%). The biggest difference with a regular loan are the high handling costs. The quick simple application that is processed immediately costs extra money. Moreover, the entire mini-loan must be paid back in one go after 15-45 days. Therefore, consider carefully whether this is not a problem. Do you have steady work, sufficient spending scope and no BKR listing? Then take out a revolving credit where you can repay slowly.
Request credit card
At ING it is already possible to request a credit card with an average net income of 650 euros. ING also assesses the payment behavior of the customer. At other banks, the limit is higher to apply for a credit card. At least 1000 euros can be spent with the OUT credit card. The purchases can be paid in monthly installments. The interest is around 14%, but there are also some service costs added every quarter, so that the total cost is slightly more than 20% of the credit.
Fast credit with pawnshop
You may not have thought about it yet, but you can also visit a pawnshop. The adventures of several large pawnshops in America are regularly seen on television. People bring the strangest things to it. In the Netherlands there is a pawnshop in most major cities. You can sell or pledge (rent out) items for a specific period. If the items are no longer collected after the rental period, they will be sold to other people. Items that can be easily pledged are gold and silver jewelry, rings, gold, watches and lighters from famous brands. You can also store bicycles and computers there. However, the items must look good and function fully. If you want to sell / pledge more expensive items (above 500 euros) then a purchase receipt and / or certificate is requested. The appraiser sets a price and the money is paid out immediately in cash.