Hakrinbank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Hakrinbank suits Surinamese borrowers who want every type of loan from one direct lender, from a personal loan of SRD 150,000 to a home purchase mortgage at 7% for the fixed period. You deal with the bank itself, under Centrale Bank van Suriname supervision, with support on email, phone and help centre.

Key facts

Best for
Borrowers in Suriname who want personal loans, car finance, secured lending and mortgages from one direct lender.
Loan amount
SRD 150,000 (Source, checked September 26, 2026)
Term
12 to 48 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money available 2 working days after approval; total process 4 working days (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Age 18-57; salary must be paid into a bank account; preferably at least 2 years in permanent employment; monthly repayment max 35% of net household income (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Car, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Hakrinbank N.V. (Source, checked September 26, 2026)
Headquarters
Suriname (Source, checked September 26, 2026)
Founded
1936 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)
Official website
hakrinbank.com

Mortgages

Initial rate
7% (Source, checked September 26, 2026)
Fixed period
5 to 30 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Hakrinbank N.V. (Source, checked September 26, 2026)
Headquarters
Suriname (Source, checked September 26, 2026)
Founded
1936 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInfacebook.comyoutube.comtiktok.com

Pros and cons

Pros

  • Lends directly, so you deal with the bank rather than a broker, with personal, credit line, car and secured loans plus a purchase mortgage available
  • A hard credit check is part of the process, which suits applicants with a steady salary paid into a bank account
  • Money reaches you a few working days after approval, and the full application takes only a few working days
  • Support runs on email, phone and help centre for questions before and after you apply

Cons

  • A hard credit check, so an application puts a full search on your file
  • Your salary must be paid into a bank account, and permanent employment is preferred before a longer tenure is accepted
  • Monthly repayments are capped against your net household income, which limits the amount you can service

Ready to try Hakrinbank?

Scored 9.5 / 10 by BorrowCue.

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Who it suits

  • Adults in permanent employment in Suriname with a salary paid into a bank account
  • Homebuyers needing a purchase mortgage with a low starting rate and a long fixed period
  • Drivers and renovators looking for car or secured lending from the same bank

Who should look elsewhere

  • People with an unsettled credit file, since the check is hard
  • Borrowers who need a loan that ignores income limits
  • Consumers outside Suriname

Who runs it

Hakrinbank N.V. is a Surinamese bank based in Suriname and has been lending since 1936. It operates as a direct lender rather than a broker, so applications are decided by the bank itself. Questions before and after you apply run through email, phone and help centre, covering phone, email, chat and a help centre.

How Hakrinbank compares

Where Hakrinbank is available

Available
Suriname
Licence in Suriname
Centrale Bank van Suriname (CBvS), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of loan does Hakrinbank offer?+

Hakrinbank lends directly and covers personal loans, credit lines, car loans and secured lending, plus a mortgage for a home purchase. Personal loans run to SRD 150,000 with terms of 12 to 48. Because you deal with the bank directly, the decision sits with Hakrinbank N.V. rather than a broker.

How long does a mortgage stay at its starting rate?+

A Hakrinbank home purchase mortgage starts at an initial rate of 7% and can hold it for a fixed period of 5 to 30. The maximum loan to value is 100%, so a purchase can be financed in full. A longer fixed period means the rate is set for longer before it can change.

How quickly do I get the money?+

Funding time is measured in working days, not months. Hakrinbank makes money available a couple of working days after approval, and the total process takes only a few working days. That suits a repair or a car purchase where the cash is needed on a specific date.

Does Hakrinbank run a credit check?+

Yes, the credit check is hard, so an application records a full search on your file. It suits applicants with a steady record rather than someone rebuilding after difficulties. Approval still depends on affordability, since monthly repayments are capped against your net household income.

Who can borrow from Hakrinbank?+

Eligibility is tied to income and employment. Your salary must be paid into a bank account, and applicants are adults, with a long period of permanent employment preferred. Monthly repayments are limited to a set share of net household income, which sets the practical ceiling on any loan.

Is Hakrinbank regulated in Suriname?+

Yes. Hakrinbank N.V. operates in Suriname under the supervision of the Centrale Bank van Suriname, the country's central bank. You are dealing with a domestic bank rather than an overseas platform, with a head office you can reach directly.

What can I use a personal loan for?+

Home improvement is the stated use for a Hakrinbank personal loan. The amount goes up to SRD 150,000 and the term runs 12 to 48, so a renovation can be spread over several years. Repayment still counts against your income cap.

How do I get help once I have applied?+

Support runs on email, phone and help centre once your application is in. You can use the phone line, email, chat or the help centre, so questions about repayments can be raised in whichever way suits you. A hard credit check means questions before applying are worth asking first.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

Hakrinbank

Borrowers in Suriname who want personal loans, car finance, secured lending and mortgages from one direct lender.

9.5/10See alternatives

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