A few years ago it was more or less impossible to take out a loan when you had a payment note. Nowadays, however, it is possible to get a loan despite a payment note without major problems. Is it then a small micro loan that you want, it is usually even easier to borrow money even if you do not have perfect financial conditions.
Why is it easier to get a micro loan despite a payment note?
What makes it easier to get a micro loan with payment note is that it is just a small loan that is the issue. After all, micro loans are a collective name for different types of smaller loans. Examples of different types are micro loans are Internet loans, fast loans and SMS loans.
When it comes to smaller loans of this kind, it is not about borrowing any large amounts directly, which means that there is a clearly less risk to the lender than if you would like to borrow several hundred thousand kronor. It is therefore clearly more likely that lenders who have lent out small amounts will approve people with more dubious finances.
Lenders who offer quick loans or micro loans and who approve notes also often use a slightly different way of assessing your finances. Instead of placing as a requirement that there should be no payment notes, you choose to consider this as a negative aspect among many different aspects that affect your overall creditworthiness. If your finances overall have more positive than negative points, you can get your loan.
How can you easily find a micro loan in spite of payment remarks?
Many lenders still do not approve of active payment remarks. In these cases, you cannot apply for a loan at all. You either have to turn to another lender or wait until your note disappears, which usually takes three years.
However, there are also a fairly large number of lenders who have a slightly different view on payment remarks. They know that a note does not automatically equate to being unable to repay your loan. These lenders approve your application despite a payment note as long as your finances are otherwise ok.
You can find a number of different lenders offering micro loans / sms loans despite payment notes here.
Just look a little further down the page and you will see partial lenders who may be able to approve applications from people who have payment notes. Our list gives you some good options and also compares the prices of these loans.
You can even search for lenders that offer this type of loan. Go to their web pages and look through the terms. It is usually quite clear if a lender accepts applications with payment notes and you can then check prices etc.