Lease a car without BKR

When leasing a car, a BKR check often comes into play and you may wonder whether this can be done differently. Read more about what private car leasing entails here. Is a car lease without BKR possible? A private lease without BKR registration is certainly an option. In this blog we will go deeper into the advantages of this and what the possibilities are.

Why lease a car without BKR?

In the traditional car leasing process, leasing companies often perform a BKR check to assess the creditworthiness of the applicant. This can be an obstacle for people who have a less positive BKR history with the Credit Registration Bureau. When you conclude a lease contract with these companies, you automatically receive a BKR registration. If you plan to buy a house afterwards, this registration can have a negative impact on your mortgage. The lease of the car is then seen as a long-term payment obligation, which reduces the maximum you are allowed to borrow. If you already have a mortgage and then decide to lease, you will not experience any problems. Read more about what registration entails here.

Leasing options without BKR registration

There are a number of options for leasing a car without BKR. For example, you can opt for a short-term car subscription, because then there is no registration of the BKR. A short-term lease without BKR is therefore advisable if you have to take out a mortgage or loan in the foreseeable future. Read more about taking out a short lease here. Are you looking for your perfect lease car? View the possibilities here.

A second option is business leasing. In this case, you turn to the company you work for. With a business car lease, no BKR check is necessary, because the company actually becomes the owner of the vehicle.

Is short-term lease still too long?

A short lease is concluded for at least a month. However, do you need a passenger car for only a day or a week? Then normal car rental may be more convenient. For example, read here why renting a holiday car is a solution.

Can you lease everything with a car subscription without BKR?

You can't just lease the most expensive vehicle when you take out a car subscription without BKR. You will always be asked if you can meet the monthly payment obligations. You do this on the basis of recent pay slips. A BKR registration does not have to be something negative. If you have no payment arrears, then that is evidence of good financial behavior.

What to look out for when leasing without BKR?

When choosing a car lease without a BKR check, there are some important points to keep in mind:

• Because the risk for the leasing company can be higher, interest rates can be slightly higher when leasing without BKR. Always read the clauses carefully.
• Read the lease terms thoroughly. Some leases without BKR may have stricter terms to limit the risk.
• Choose a reliable leasing company with positive reviews and a good reputation.

After reading this article, are you curious about reasons why you should lease? Then also read this blog about the advantages and disadvantages of a private lease.