Car on installment without BKR? Do you want to buy an installment car without BKR? This is not easy at a regular car dealer and also the well-known banks will not cooperate quickly. That means that you have to look for an alternative if you want to be able to drive the car immediately.
Car via hire purchase
You can purchase an installment car without BKR by using hire purchase. This looks like borrowing money, but it really isn’t. You rent the car for a certain period (for example, 4 years). You pay the rent for the car every month, which means you become a little more owner. The rent you pay counts as an installment. After the contract period expires you are the full owner of the car. You can buy an installment car without BKR in this way. Keep in mind that you are not a full owner during the term, which means that the car can be collected if you miss a payment.
Buying a car from a private individual
In addition, you can purchase an installment car without BKR by doing business with a private individual. At the time that you are going to buy the car you can agree to pay the full amount immediately, but on the other hand you can also choose to spread this over the coming months or years. Agree an amount and set a term. In this way you can buy a car on installment without BKR, because a private individual cannot perform a BKR check.
Thirdly, you can purchase an installment car without BKR by using a foreign bank. The foreign banks do not have access to the BKR data in the Netherlands and therefore cannot check whether you already have other debts, or whether there may even be payment arrears. However, keep in mind that in all cases you are responsible for the purchase that you make. It is wise to only purchase an installment car without BKR if you know well that you can (continue to) pay the costs.