Bank offers quick loan for trainees.

Anyone entering the professional world as an apprentice needs financial support if the parents do not have the appropriate resources. You want to have your own car or plan to move to your first apartment. However, these wishes are not cheap. That is why many apprentices first go to a bank. But what is the reality of a quick loan for trainees?

Welcome customers

Welcome customers

Trainees are welcome customers at banks. As a rule, they do not yet have their own current accounts and with lock offers, the banks try to win trainees as new customers and retain them in the long term. In addition to a current account with favorable conditions, young people are also offered opportunities to save. But at the latest when the trainee wants a loan, the friendship of the banks ceases.

What are the requirements for a loan for trainees?

What are the requirements for a loan for trainees?

A quick loan for trainees is not so easy to implement. The problem is that the trainee has an income, but it is usually so small that there is not enough money left to pay the installments. If the young person still lives with their parents, at least the rental and ancillary rental costs are eliminated. Nevertheless, it is not easy for the trainee to get a quick loan for trainees.

For banks, security beyond training is a problem. The trainee is not always taken over by the training company after completing the apprenticeship. In the worst case, even unemployment threatens. Most banks do not make a loan commitment during training or during a trial period. The financial situation after the expiry of these fixed-term contracts is too uncertain.

If the monthly income is sufficient to repay a loan within the training period, then the young person can hope for a promise. Things become even more positive if a declaration of acceptance has already been submitted by the training company and the employment contract is not limited. However, an oral promise from the HR manager is not enough.

Credit for trainees with co-applicants

Credit for trainees with co-applicants

If the trainee’s creditworthiness is still impeccable, a co-applicant, for example a parent, can be included in the loan agreement. The co-applicant must meet the same requirements as the applicant. There must be a regular income, the credit rating must be good and the employment relationship must not be temporary or during the trial period.

How do you find the cheapest loan?

How do you find the cheapest loan?

This is where comparison calculators help to find a quick loan for trainees. In this way you will not only find the bank with the best conditions, but also a suitable checking account. These loan comparisons are free and do not commit to anything.

Mini loan without BKR assessment? It is possible, apply directly!

Do you have a negative BKR registration and still want to take out a mini loan? Then the question is of course what about the mini loan without BKR testing. Is a mini loan registered with the BKR? Or is it still possible to borrow money without BKR testing? And which mini-loan providers are still there?

Mini loan without BKR assessment

Mini loan without BKR assessment

A mini loan without BKR assessment is certainly possible. In fact, a mini loan with BKR assessment is not possible. This is because providers of the mini loans are not affiliated with the BKR. Because they are not affiliated, they cannot do an assessment at the BKR. Your loan application will not be assessed with the BKR, nor will your mini loan taken out be registered with the BKR. That is nice to know.

Providers of mini-loans without BKR assessment

Providers of mini-loans without BKR assessment

At the moment there are actually only two providers of mini loans. The first provider is Spin Lender. Balance dip has been around for several years and is part of the Lite Lender Company Group. The Lite Lender Company Group is listed on the German stock exchange and its objective is to provide loans as innovative as possible. The Lite Lender Company Group mainly wants to do this by automating as much as possible.

The second provider of these small loans up to 1500 USD is Lite Lender Company. As you might expect, Lite Lender Company is also part of the Lite Lender Company Group. In fact, there is actually only one provider of the mini loan. The acceptance guidelines may differ slightly, but it probably will not be very much.

When will you receive the money in your account

When will you receive the money in your account

If the BKR is no longer an objection, the question remains of course when you can expect the money in your account. It can go very quickly. A mini loan can be the way of borrowing money quickly. There is one important condition here, and that is that you have previously been a customer of the provider of the mini loans. And that you have of course repaid this loan on time. Is this the case? Then borrowing money without BKR testing is even possible within 10 minutes.

Is it the first time that you are going to take out a loan in the form of a mini loan? Then it takes a little longer before you have the money in your account. It may then take longer before the money is in your account. You can take into account a processing time of about 24 to a maximum of 48 hours.

Alternatives to the mini loan without BKR assessment

Alternatives to the mini loan without BKR assessment

If the mini loan is not really an option for you, for example due to the short term, there may still be alternatives. You can think of borrowing money from private individuals. After all, they too cannot do an assessment at the BKR. Another alternative is to pawn your car. A so-called “sale and lease back” construction. Please keep in mind that you will not always get the best price for your car. After selling the car, you are no longer a legal owner of the car, but you are still the economic owner. After all, you are the one who will use the car.

Beware of Haunting Online Loan Funds Haunted

This online loan is tempting, especially when you need fast funds in a practical way. But do not let the tantalizing thing, making you lazy to compare the Loan product. Because there are so many things to compare, the amount of installments, interest, penalties, etc. Do not let your thumb because you are lazy to move, regret will haunt you.

Now you must be more selective in choosing an online loan provider. Because now many moneylenders are literate in the ease of technology. Not the convenience to do good but to trap into the vortex of the loan sharks notes. Do not get caught up with the dirty tricks of loan sharks in trapping you to apply for debt to them.

Be careful just not enough if you do not know the signs of loan sharks online funds. What are you waiting for, first identify online loan sharks with the following characteristics:

Ignoring Requirements


Many people who are already pressured by debt then ignore the requirements to borrow funds online. It sounds like good news from heaven that says that the conditions for online loan funds are only one, namely KTP.

Wait a minute, don’t be happy first. Try to think clearly, the requirements offered by banks can be more than one, such as NPWP, salary slip, permanent assignment letter, credit card, and credit history. Of course, the bank has its own reasons which are certainly very logical, namely for protection or our own sense of security in the event of default on the road.

Well, if anyone offers requirements with just one KTP, get ready for bad credit risk that can increase interest, aka your debt.

Low-Interest Deception

Low-Interest Deception

Have you ever heard the seduction of high-class con artists? Little difference with a loan shark who seduces potential victims with low interest, which is only 1% per day. Sometimes this is very interesting if the mind is not clear because of debt problems that poison your mind. But it’s not as interesting as you think, right, let’s count it.

Mr. Roy borrowed an online fund of USD. 30,000,000 for his wife’s operating costs, interest per day of 1%, which was due in 30 days. What is the interest charged by Mr. Roy and the total loan amount that must be paid when due?


Loan value: IDR 3,000,000

Interest per day flat: 1%

Maximum tenor: 30 days (1 month)

Monthly interest: 30% x IDR 3,000,000 = IDR 900,000

Total loan + interest: = IDR 3,000,000 + IDR 900,000 = IDR 3,900,000

KTA loan with DBS Bank

Ibu Rina has a debt of USD. 30,000,000 and plans to borrow a KTA from DBS bank with an interest of 0.99% with a two-year payment term. How much interest is charged by Ms. Rina and the amount of money that must be paid for 2 years?


Loan value: IDR 30,000,000

Interest per month flat: 0.99%

Tenor: 24 months (2 years)

Interest for 2 years: 23.76% x IDR 30,000,000 = IDR 7,128,000

Total loan + interest = IDR 37,128,000

How to explain the difference? Indeed, the KTA product from the bank imposes administrative costs, but it is in line with the interest given. Try to compare, online moneylenders who charge 30% per month while the bank is only 23.76% for two years.

Not Open Especially Transparent


This loan shark is very friendly at the beginning of meetings with potential victims. He gave a beautiful smile, a package with 1000 sweet seduction promises in the form of “low interest, ma’am …” or “direct liquid loans, sir …” and others for the sake of attracting potential victims into the notebook of the loan sharks.

But after getting a victim, the loan shark turns into a mysterious figure and becomes often terrorizing when you are late to repay his debt installments. He is not open about the count of all funds he has received and is not transparent to the data calculation of the debt book you requested.

Can Disappear at will

It’s terrible to deal with someone who can suddenly disappear like a ghost. His name is also moneylenders whose operations are unclear in the eyes of the laws and laws of the country. He easily disappears and comes suddenly when the victim is affected by the problem in paying installments.

But be calm, that regret will not come if you pay attention that the online loan is registered or not at the Financial Services Authority (OJK). This is very important for you to know because OJK under the auspices of the Ministry of Finance is our field supervisor.

So, if you are hit by bad credit or have a problem during KTA payment, there will be articles or penalties that are all listed in the Constitution which can then be processed into the realm of law.

Food Fence Plant

It’s horrible, using the mode by claiming to be a close friend when you just met a loan shark. But when it comes to problems, the payment is just a little direct in terror whenever and wherever. His intention was to help as a friend, instead, he was trapped in a crocodile pit.