9/7/2025 Tiago, Amsterdam
Applying for a loan
If you’ve got a major expense coming up, such as a new car or a kitchen makeover, it can sometimes be useful to take out a loan. But this does need to be a responsible choice, which is why we always look carefully at your personal situation when you come to us for a loan. Together, we will make sure you can borrow responsibly throughout the entire term.
Taking out a loan in three steps
1. Calculate your loan
Calculating your loan will give you an idea of how much you can borrow and what it will cost you.
2. Request a no-obligations offer
Enter your details and receive a loan quote with no strings attached (you have 30 days to consider our offer).
3. Check!
We will assess your application and documents. If everything is in order, we will deposit the money into your account.
Personal loan
- Receive your money as a lump sum
- Fixed interest rate, fixed term
- No fee for additional repayments
“If you’ve applied for a loan, we’ll call you to answer any questions you may have and walk you through the terms and conditions.”
Maaike Hollander-Kragten
Good to know when applying for a loan
Who qualifies for a loan?
You can apply for a loan if you:
- Are between the ages of 21 and 69
- Have sufficient monthly income
- Live in the Netherlands
If you have a temporary residence permit and you can afford to take out a loan, the maximum term of your loan will correspond to the term of your residence permit.
Listing in the Dutch National Credit Register (BKR)
If you take out a loan of € 250 or more, you’re assigned a positive credit listing. If you make your repayments as required, this listing won’t have any consequences for your credit rating. If you fell behind on your payment obligations at any time during the past five years, you’ll be assigned a negative listing, which makes it more difficult for you to borrow money.
“If you have a partner, it tends to be more cost-efficient to take out a loan in both your names. This will usually result in a lower interest rate.”
Anita, ABN AMRO Amstelveen
Frequently asked questions about loan applications
Borrowing money: what to look out for?
There’s more to a loan than just repayments and interest. How does the bank deal with additional repayments, for instance? And what would happen to your loan if you were to die? Find out what to look out for if you want peace of mind.
Why get a loan from ABN AMRO?
You can borrow money from ABN AMRO on favourable terms, with a competitive interest rate and clear agreements. For example, you only pay the monthly instalments of the principal (the amount of the actual loan) and the interest. There are no hidden costs and you know exactly where you stand in advance. And if you have some money left over at any given time, you can always make early repayments (overpayments) on your loan – without incurring an additional charge. Simply transfer the money via Internet Banking or the ABN AMRO app. Read more about our terms and conditions.
How to apply for a loan?
- Calculate your loan
Find out in just two minutes how much you can borrow and what your monthly repayments will be. - Request a no-obligations quote
We will send you a quote with no strings attached (you have 30 days to consider our offer). We will call you to walk you through the terms and conditions. - Sign the quote
If you are already an ABN AMRO customer, we will send you a Bankmail message with a link to the platform where you can sign the quote digitally. If you are not an ABN AMRO customer, we will send you an email with the quote. Simply sign the quote and make a digital (PDF) copy of it. - Send us the required documents online
If you are an ABN AMRO customer, you will see in the secure environment which documents you need to send, how to do this and the conditions these documents must meet. You will receive a Bankmail message with instructions. If you are not an ABN AMRO customer, the email we send you will explain exactly which documents you need to provide. Make a digital copy (PDF) of these documents and email them to us. - Payment
Once we have received your documents and checked that they are correct and complete, we will assess your application. If we approve your loan, we will deposit the money into your account within one working day.
What is the current interest rate?
The interest rate for your loan depends on how much you borrow and your personal situation, like what you earn and whether you own your home or rent it. Take a look at the latest interest rates.
Can you deduct personal loan interest from your taxable income?
If you use your loan to improve the quality of your home, you can usually deduct the interest from your taxable income in Box 1. As a result, you pay a lower amount of tax. Get in touch with your financial adviser or the Dutch Tax and Customs Administration to find out more, or go to their website to read more about tax relief (in Dutch).
Can I still take out a loan if I’m self-employed or an entrepreneur?
Yes, in that case you can also take out a personal loan with us online. We will look at your annual figures and your income tax returns for the past 2 years.
Can I take out a loan with ABN AMRO even if I’m not a client?
You can apply for a loan with us even if you don’t bank with ABN AMRO. We will pay you a visit to verify your proof of identity.
Why you should choose ABN AMRO for your loan
Self service
From the loan application to changing your loan. With us, you can do it all yourself. Online, on Internet Banking or in the ABN AMRO app.
9/10 on Klantenvertellen.nl
94% of our loan clients recommend us on Klantenvertellen.nl. Read our reviews.
Personal contact
If you have any questions about borrowing money, call our people at the Loans Desk. They will be happy to help you, in English, of course.
Calculation example of a personal loan
This table is only an example of the most frequently used interest rates. The interest rate that you pay depends on how much you borrow, for how long and your personal situation. To find out which interest rate applies to you, request a quote, without any obligations. Take a look at the different interest rates for the personal loan.
Term 60 months (5 years)
| Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
|---|---|---|---|
| € 5.000 | 12.4% | € 110,58 | € 6.635 |
| € 10.000 | 9.6% | € 208,56 | € 12.514 |
| € 15.000 | 7.9% | € 301,48 | € 18.089 |
| € 25.000 | 7.9% | € 502,47 | € 30.148 |
| € 50.000 | 7.5% | € 996,06 | € 59.764 |
Term 120 months (10 years)
| Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
|---|---|---|---|
| € 5.000 | 12.4% | € 71,00 | € 8.521 |
| € 10.000 | 9.6% | € 127,77 | € 15.332 |
| € 15.000 | 7.9% | € 179,05 | € 21.486 |
| € 25.000 | 7.9% | € 298,42 | € 35.811 |
| € 50.000 | 7.5% | € 587,11 | € 70.453 |
The term of a personal loan ranges between 12 months and 144 months. The annual percentage rate (APR) expresses all costs associated with the loan. Apart from interest, there will be no additional cost. The annual percentage rate ranges between 5.0% and 8.8%.
Good to know: The interest rate on a personal loan does not change throughout the loan term, meaning that you will pay the same amount every month. Repayments are made up of a portion of the principal (the amount of the actual loan) and interest. In the month in which your loan is paid out, you only pay a one-off interest charge. This is the interest from the pay-out date of the loan until the end of the month.