Financial lease with BKR possible?

At Lease.car, we understand that financial situations can vary greatly and that a negative BKR registration sometimes occurs. Our goal is to provide flexible solutions to suit your unique circumstances. Below is how we handle various aspects of BKR registrations in relation to taking out an Operational Lease, while maintaining our familiar approach and style.

What is a BKR registration?

A BKR registration is a listing with the Bureau Krediet Registratie. It means that all loans over €250 and with a term longer than one month, including business loans subject to personal liability, are registered. This includes not only mortgage loans and phone subscriptions but also a Financial Lease. Such a registration serves as a financial statement, allowing leasing companies to assess whether it is responsible to enter into a lease agreement with you.

Why a BKR registration?

The BKR registration offers protection to both you and the leasing company. For you, it prevents you from taking on financial obligations that you may not be able to meet. For the leasing company, it provides insight into your financial history and current obligations, allowing them to make an informed decision on whether to grant a lease.

Operational Lease with negative BKR

While a negative BKR registration may present challenges, we do not see it as an immediate barrier. Depending on the nature of the registration and any positive changes in your situation, we can often still find a suitable solution. Our team specialises in evaluating such situations and is ready to assist you in leasing the desired vehicle.

Financial Lease without BKR review

Commercial Financial Lease is not included in the BKR registration requirement, which indicates that in some cases no review is required. This offers opportunities for entrepreneurs, including self-employed and start-ups, to enter into a lease without direct BKR assessment. However, leasing companies may decide to carry out a test anyway to get a complete picture of your financial situation.

Financial Lease with BKR registration and a mortgage

Having a BKR registration can affect taking out a mortgage, as loans are deducted from your borrowing capacity. Therefore, we always advise you to think carefully about the timing of taking out a lease in relation to applying for a mortgage.

At Lease.car, we are committed to supporting you regardless of your financial situation. We believe in a personalised approach and are ready to explore all options with you. Our goal is to help you find the right leasing solution to suit your needs and financial capabilities. Contact us for a no-obligation credit check and let us guide you to the lease car that's right for you.