Student loan is always a gift.

This allows the study costs, (part of) living expenses, health insurance and tuition fees to be paid. You do not get student loan ( student loan ) automatically. This must be requested from. Student loan is only paid when all conditions are met. In higher education, student loan is always awarded as a performance-related grant. In addition to your stufi, you can also borrow cheap as a student. You will have to pay off this low interest loan within a few years after your study.

Student loan 

If you are 18 years or older and follow a full-time study program in vocational education, you are normally entitled to student loan . If you qualify for this, the student grant will start the first month of the quarter following your 18th birthday.

Student loan can consist of:

• Basic grant
• Supplementary grant
• Interest-bearing loan
• OV student card

If you are doing a vocational training at level 1 or 2 as a student , your student loan is always a gift. When you have finished your education, you will only pay back an interest-bearing loan. If you follow your education at level 3 or 4, you will receive student grants as a performance grant.

Entitlement to student loan applies as long as you are registered.

Calculate student loan for HBO

If you attend a full-time (or dual) program at a university of applied sciences / HBO or university, you are normally entitled to student loan . If you are entitled to student loan, you are also entitled to the OV student card.

This student grant when you are in a college or university can consist of:

• Basic grant
• Supplementary grant
• Interest-bearing loan
• Tuition Credit
• OV student card

In higher education, student loan is provided as a performance grant. This means that the financing is first paid out as a loan. When sufficient work is performed, the student loan is converted into a donation afterwards. The interest-bearing loan and the tuition fee credit must be repaid after the training.

Apply for student loan

If the student loan is not sufficient, extra money can always be borrowed from a lender. We have collected the better money providers on this website. As a student borrowing is very normal, students often earn back very quickly after their studies. Make a choice and request a completely free loan offer for free!

You can apply for a loan online, so you do not have to leave the door for that and have little to worry about.

Instead, in a very simple way you ensure that you have some extra money behind you.

Apply for online loan

You can apply for the online loan by indicating that you are looking for a credit. For example, do you need € 200 or € 300 to pay for the messages? Indicate this and apply for a mini loan in this way. The lender will then determine for you whether it is possible to borrow this money. This does not look at the data of the BKR, since access is not allowed. In that respect, you can apply for a loan, even when you already have another loan.

No BKR control

Since no BKR check will take place you can safely apply for a loan. One looks purely at your income and the possibility that you have to redeem the money. For example, do you get enough income to repay the loan after a few weeks? Then you can borrow the money, even when you already have another credit. Moreover, the loan will not affect the next credit you wish to close, as the BKR will not be notified.

Evidence

You can apply for the loan online, and then submit the supporting documents. For example, show that you have sufficient income at your disposal and that you have not run any other large loans. The latter is your own responsibility, since you have to ensure that you can clear all credits properly. In any case, show that you have a permanent contract, since you can only apply for a loan on that basis. Without a fixed contract, the risk of non-payment is too high, so that you will generally not receive a loan.

Pay off money loan

You can then pay off the loan, for example a few weeks after you have closed it. Preferably use the income that you get paid, as you thereby ensure that you get rid of the credit in one go and, for example, you have the opportunity to apply for a new loan. Also try to make a plan with a mini-loan in advance, about how you will unload the credit. In this way you ensure that you can apply for a new loan, so that you will not run into problems and the costs will not run unexpectedly.

Would you like to request a mini-loan? Because you can use a little more financial space? In that case you can request a mini loan directly online.

Requesting a mini loan or mini credit is done via the internet so you can also borrow money quickly in the evening or at the weekend. It can happen to anyone you need money because something went wrong at home, at the car or there is still an unpaid invoice waiting for you … requesting a mini-loan is the solution in that case!

In the best case you have the money in your account within 10 minutes! Borrowing money without hassle is not possible, and the cost of the mini-loan is low. The mini-loan providers on our site are all members of the AFM so you will pay a low interest rate. Compare the mini loan providers to see which suits you best and look carefully at the current interest rates , this is also necessary if you take out a personal loan or an ongoing loan .

What is a mini-loan?

A mini loan or a flash loan is a loan where you can borrow up to 1000 euros and this loan usually has to be paid back to the mini loan provider within 30 days. The mini loan is therefore intended for bridging a short period, often this loan is taken out at the end of the month in order to be able to pay the outstanding invoices. For larger amounts you can always request a personal loan or a revolving credit . Requesting the mini-loan is very quick and within a few minutes you can expect the money on your account. At the first request you will have to send a copy of your ID and a payslip but you can send the subsequent requests by SMS. There are mini-loan providers that do not carry out a BKR check or where you can request a mini-loan without a pay slip .

Because applying for a mini loan is very simple and very fast, we recommend you to read the general terms and conditions of the lenders, in some cases you will not pay interest but handling costs and / or administration costs. The biggest disadvantage of a mini loan comes up if you do not pay back the loan on time, if this happens, then the financial institutions will charge you a high fine, but you have agreed to the conditions that state that the mini loan within a certain duration must be paid back. For many people, a balance tip is a structural problem that makes borrowing money a monthly recurring activity, so think carefully before you start borrowing money or you might be able to get money in a different way.

Mini loan applications up to € 800, – and money within 10 minutes

If you want to borrow an amount of € 100 to € 800, and want to have money quickly, then We are the right choice. The term of the mini loan with this lender is a maximum of 45 days, because the duration is longer you can borrow more money than with many other online lenders. 

How much money to borrow with a mini loan?

With a mini loan you can borrow an amount of € 50, – to € 800, – it differs per minilening provider how much you can borrow exactly, it is also possible to borrow eg € 70, -. At Cashper as Ferratum you can only borrow standard amounts, with Cashper the maximum amount is 600 euros and with Ferratum it is possible to request a mini loan up to 800 euros. If you want to borrow larger amounts or want to switch your current loan, you can apply for or pay a revolving credit. By switching your mortgage you can save a lot of money on your monthly expenses.

When to request a mini loan?

Requesting a mini loan can be done if something suddenly breaks at home, an invoice has to be paid quickly or if you just want to enjoy it and do not have the necessary money. If you are going to apply for a loan before you check that you are fulfilling the agreements with the lender, you will pay the loan back in time. If you do not do this, then there will be high additional costs over the borrowed amount. Do you think that borrowing always costs money!

Cost of a minilening

The costs of a mini loan are fairly low, you pay a few euros in interest on the loan amount. After all, you also borrow a relatively small amount of money for a short period.

With some mini loan providers, you need a guarantee from a family member or friend if you do not have one, there is often the possibility to pay for it to a commercial institution, which means that you will, as it were, repurchase the guarantee. The latter option does bring additional costs on top of the mini-loan.

Mini loan – how to apply?

Need quick money and want to request a mini loan? But how does that work … You can go to the website of one of the mini-loan providers, after you have read the terms and conditions you can borrow money directly online by first requesting a quote, you will receive the quote for the mini-loan within a few hours in your mailbox. If you agree with the quotation, you can continue with the online application of the mini loan, in the received e-mail from the lender is described exactly which documents you have to submit.

If you request a mini loan for the second time from the same mini loan provider, applying for the loan will be much quicker, including receiving the money faster than with the first application. You can then quickly borrow money by sending an SMS. You see the miniature loan ensures that you quickly receive money at times that you also need money quickly and at minimal cost.

Request a mini loan as a student

Also as a student you sometimes want more financial space, it is therefore possible in some cases to request a mini loan as a student . It is true that other conditions apply if you want to borrow money quickly as a student by means of a mini-loan. As a student you will have to be able to demonstrate that you can also pay back the borrowed money at the end of the term on time. Because this is a bit more difficult for many students, it will often not be possible to apply for a mini-loan as a student.

Mini loan without payslip

Temporary no work and the expenses continue as usual? Even then the mini-loan may be a solution for you, if you do not have a job and want to apply for a mini-loan then this is called “borrowing without payslip”. You will understand that the mini-loan provider applies different conditions if you start borrowing without a pay slip , because the risk that you do not pay the money back on time is greater. In most cases, if you have a benefit you can borrow a lower amount than you would be able to borrow if you have a permanent employment contract.

Advantages of the mini-loan

Borrowing money by means of a mini-loan has the advantages that you receive the money very quickly, also the costs of the mini-loan are rather low. This makes requesting a mini loan a nice solution if you really need money urgently or if you just want to enjoy and have some extra financial space. It does not matter what you use the mini-loan for, it can be for paying outstanding bills but also for a weekend away or just to shop.

Nowadays, borrowing money is getting cheaper. The interest on consumer loan continues to fall, so you can borrow cheap money.

The prognosis for 2016 is that the interest rate will not rise, so if you want to borrow money you can profit from the low interest on your loan.

Borrowing has become cheaper

That borrowing through the low interest rate has become cheaper that is now known to everyone. Not only the interest on the loans has fallen but also the interest you receive on your savings has become considerably lower. The reason that interest rates on loans are lower is that the European Central Bank (ECB) reduced interest rates due to the economic crisis. As a result, banks can get cheaper money and this has the result that the consumer can borrow cheaper money. This is therefore encouraged by the European Central Bank (ECB).

Historically low interest rates

The newspapers are full of it and also on TV there is enough attention tendered. The interest rate is historically low. Many people benefit from low interest rates by taking out a mortgage now or by switching their existing mortgage. The interest rate has been decreasing for about 5 years and the end still seems out of sight. On a consumer credit the decline is spectacular, 5 years ago the interest rate was still 11% and nowadays the interest on a personal loan or revolving credit has dropped to about an average of 7%. The lowest interest rate is 4.2%.

Lenders

The lenders offering a consumer credit have lowered the interest rate less quickly than the mortgage lenders. This is because the competition is less strong between the lenders. The conditions have been broadened by the lenders. For example, you can still apply for a loan at a later age and the term of the loans has been extended.

Low interest

Due to the low interest rate, more and more consumers are benefiting from cheaper borrowing.

Transferring a loan: If you already have an ongoing loan , it can pay off to take a good look at the interest rate you now pay. Chances are that when you switch you will pay a lower interest rate. With a revolving credit you can always switch free of charge, so take advantage of low interest rates now and see how much you can save if you switch to a different lender.

Loan for a renovation: If you always wanted to renovate your house but did not have enough money available, then now is the time to finance the renovation. To finance the renovation you can increase the existing mortgage, apply for an extra mortgage or you can also apply for a personal loan or a revolving credit.

Merging multiple loans: If you have multiple loans such as a personal loan , an outstanding amount from your credit card company or overdraft with your bank, then it is worthwhile to transfer all these loans into one loan. The advantages of combining the loans is that you now benefit from the low interest rates and that your financial situation is a lot clearer.

If you want to borrow cheaply at low interest rates, now is the time to take advantage. They extended the crisis measures to 2017. So until then, low interest rates will be charged to the banks, which means that you can borrow cheaper as a consumer.

Do you want to loan for a renovation of your house?

There are various possibilities for financing a renovation. You could apply for an extra mortgage for the renovation. You can increase the mortgage and you can take out a personal loan or an ongoing loan for the renovation of your house.

Refurbish the renovation

If you want to renovate your house you will have to ask yourself “what does a renovation cost?” Once you know what the renovation will cost you will also know how much money you need to borrow for a renovation. If you know this then you can make a choice to take out a personal loan , a revolving credit or a second mortgage. To finance the renovation, you can also increase the existing mortgage.

Increase mortgages

Increasing the existing mortgage to finance the renovation is a frequently used option. You could use the surplus value of your house to finance the renovation. If your house is worth more than your mortgage, you can free up the difference to finance the renovation.

Private increase: If the mortgage registration at the Land Registry is higher than the current mortgage, you can apply a private increase. At that time the mortgage will have been deliberately registered higher and you have now repaid money. With the space that is created as a result, you can increase the mortgage yourself.

Second mortgage: An extra mortgage for a renovation. If you do not have extra space to loan with your current mortgage, you could take out an extra mortgage. The second mortgage will therefore close you next to your existing mortgage.

If you are going to increase the current mortgage, the lender will see this as a new mortgage. The increase will therefore always have to be checked by the lender. The mortgage must also comply with the income standards and the maximum mortgage after the increase. This must be in proportion to the value of the home.

Tax-deductible

If you are going to finance the renovation by raising the mortgage, the extra amount withdrawn is also tax deductible. You must have repaid the mortgage at least annually in 30 years.

Transfer mortgage

If you want to raise the mortgage, you should also check whether it is not more sensible to cross the mortgage. You can then immediately check whether the mortgage interest you paid is advantageous.

Personal loan or a revolving credit?

If you are going to take out a loan for a renovation, you have two options next to a second mortgage or the existing mortgage. The personal loan and the revolving credit are also suitable for financing a renovation.

Personal loan: With the personal loan you know exactly where you stand in advance. You know how much interest you pay over the entire term, you can not add anything extra in the interim and the big advantage is that if you take out a personal loan for improving your home, the interest is tax deductible.

Continuous credit: If you take out a revolving credit to finance the renovation, you take out a flexible loan. The interest will vary and you can withdraw money in the meantime. With the revolving credit you therefore do not know in advance what the term of the loan will be.

You see there are plenty of opportunities for financing a renovation. Once you know the renovation costs, the choice for the loan you use for the renovation is much easier. Based on this you can decide whether you need to take out an additional mortgage for the renovation, increase the existing mortgage or apply for a revolving credit or a personal loan. In all cases, financing the renovation will make your home more valuable.

You want to take out a loan, but where can you do this best?

There is no suitable answer to the question “where to take out a loan?”. The right loan for one person does not have to be the ideal loan for you. With whom you can best take out a loan is therefore completely dependent on your personal situation. How much can I borrow ? What kind of loan do you want to take out? At what time and how much money do you want to borrow? All factors that will influence the application of the loan.

Lend particularly sensible

If you are going to borrow, then lend most sense and do not just take out a loan from the first best lender. Take the time to take out a loan and do not close the loan in a hurry, because it can cost you a lot of money. By carefully determining in advance which loan you want to take out and comparing the lenders, you will take out the loan that suits you.

Read the conditions

Nowadays you take out a loan online, with the danger that the loan will be closed too soon with all the annoying consequences. By comparing online lenders, you quickly see where you can best go to take out the loan that suits you. Please note that you can possibly transfer the loan free of charge. You may now close the cheapest loan but in the course of time this loan may not be the cheapest. It would then be easy if you could switch to a cheaper lender.

Low interest

Of course you also want to take out a cheap loan. By comparing the interest rates of the lenders, you quickly find out where you can take out a cheap loan. The interest rates fluctuate continuously, so it is advisable to keep an eye on interest rates and also if you have already taken out the loan. If you have a much cheaper loan than your current loan, you often have the option to switch. Even though you will receive a fine from your current lender, it may still be worthwhile to switch to a different lender if the interest there is a lot lower.

Lenders

Each loan form has a number of lenders. The one loan form more than the other. For example, if you want to take out a mini loan for a maximum amount of 1000 euros, the choice is smaller than that you want to take out a personal loan , revolving credit or a mortgage. The more lenders there are, the greater the competition and this can be good for your wallet.

AFM

When you take out a loan you will have to see if the lender is affiliated with the AFM. The Netherlands Authority for the Financial Markets ensures that the lender complies with the rules and obligations. For you as a consumer, this is nice, you know in this way that no usury rates are calculated and that you take out a loan from a reliable lender.

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To request a mini-loan online

Closing a mini-loan ? Do you have a financial setback and need some extra money? That is no problem nowadays, you can request a mini loan online . With this mini-loaner you can borrow 100 to 800 euros. The duration of this mini-loan varies from 15, 30 to 45 days.

It can happen to anyone your money is already gone and the end of the month is not yet in sight, in this case requesting a miniature loan is the solution for you. With a mini loan or mini credit you can borrow money without hassle, which means that you submit an application for the mini credit online and have the same amount on the same day. The borrowing of a small amount is not called flash credit for nothing. Because the term of a mini loan is relatively short, you will also be able to get rid of your debt quickly. Nowadays, taking out a mini-loan is cheaper than standing red at your bank.

How to request a mini-loan from us?

If you want to request a mini loan from us , this is as follows: first of all you can use the easy loan calculator on the website, if you have determined how much you wish to borrow and have entered your data then you can complete the application for your mini loan .

You will also have to send some documents, this can be done by mail, e-mail or fax.

As soon as the application has been received, one of the employees will approve your application, looking at your loan history and some other conditions that you must meet if you request a mini loan from us. If the credit and identity check is positive, us will transfer the required amount of money to you.

You can borrow up to 400 euros the first time you request a mini-loan from us, the next time this amount is increased to 800 euros. At the first mini loan application you will receive a PIN code at home. You must send this unique PIN code to us by SMS. Once received, us will pay the mini loan.

Conditions:

• you must be at least 21 years old
• you must be resident in the Netherlands
• have a citizen service number
• have a valid guarantor

Requesting a mini-loan from us is fast and you know that you are taking out a mini-loan with a financial institution that has been active on the financial market for many years. The fact that you have to borrow money can be annoying enough, that is why it is so nice that you can do this with a lender you can rely on. On the easy-to-use website of us you can easily see how much you can borrow if you want to request a mini-loan, you use the simple online loan calculator. You will immediately see what the duration of the relevant mini loan will be. The website also clearly states what the costs of the mini-loan will be, so you will never be faced with surprises afterwards and you know in advance exactly what the mini-loan will cost you.

Apply for a minicredit
financing an unexpected expense is a great solution and you will see that borrowing a small amount can be realized quickly and easily. You can request a mini loan from us for an amount of 100, 200, 300, 400, 500, 600,700 and 800 Euro. The duration of these mini loans varies between 15, 30 and 45 days. If the application for the mini credit has been approved then the amount will be transferred to your bank account within half an hour, so that you can still use the required amount of money on the same day, because you do not ask for a minilening or also a flash credit!

Recurring mini loan application

If you are already a customer of us and have already applied for a mini loan, the subsequent application will go a lot faster and you will also have the money earlier. With a returning mini loan application us strives to transfer the money to your account within half an hour.

Request a mini loan per SMS

Also it is possible to request a mini loan with your mobile phone. You can do this by SMS. This is only possible with a recurring mini loan application, the first time you request a loan from us you can only do this online.

You may redeem the mini loan early .