When applying for a loan, the banks consult the BKR to see if more credits are outstanding. This does not have to be a problem. Many people have multiple debts (such as Wehkamp, electronics store, home store, credit card, red stand). It concerns the spending margin that is left after payment of all fixed costs. If this spending limit is enough, 2000 euro borrowing can be arranged quickly.
Cheapest providers are the internet banks that often can only be reached online. They save staff costs and office costs. This benefits the tariffs. The interest rate of an internet bank is usually much lower than at ING or the RABO bank. The internet banks are mostly subsidiaries of the big banks. It is just like with KLM and Transavia. KLM does the scheduled flights and Transavia is the prize fighter who stunts with the prices. The internet banks also do this: they attract new customers with their low rates. The downside is that the personal service (such as a helpdesk) is a lot less than with the big bank. The difference in price is great. A cheap loan from an internet bank can save up to 5% interest.
This is often advertised with this, but in reality this is not possible. If you apply for a mini loan , only 1 credit can be applied for up to 1000 euros. Closing multiple mini-exercises is not possible. The guarantee costs of a mini loan are high (20%), but you also have a big chance that the loan will be approved. Do you have enough spending on your income and do you want to borrow at least 2000 euros? Then take out a loan with the ordinary bank. (The minimum is 2500/5000 euros). This not only saves the high closing costs, but you can also pay off the loan at a slow pace. In case of a mini loan you must repay the entire amount in 1 time within 30 days. Many clients of a mini-loan are ignoring this and are getting deeper in trouble. A credit with the ordinary bank saves a lot of headaches. The handling of the loan takes longer the first time.