Securing a loan in three easy steps

Applying for a loan

  • Competitive interest rate
  • Favourable loan conditions 
  • Expert advice if you need it
Apply for a loan

Securing a loan in three easy steps

Loan offer

Calculate your loan

Find out in two minutes which loan would suit you best, how much you can borrow and what your monthly loan payments would be.
Loan offer

Request a loan offer

We’ll send you a loan offer with no strings attached. You have 30 days to decide whether or not to accept our offer. We’ll contact you to walk you through the terms & conditions governing the loan.

Accept our loan offer

Once you’ve signed the loan offer and submitted all the right documents, we’ll transfer the money to your account as soon as possible.

Personal loan

  • Receive your money as a lump sum
  • Fixed interest rate, fixed term
  • No fee for additional repayments

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.

Loan with two borrowers

Loan with two borrowers

“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.”

Remco, Senior Loan Officer at ABN AMRO

Frequently asked questions about loans

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.

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.

Calculation example of a personal loan

This table is for illustrative purposes only. The rate of interest we’ll charge for your loan will vary depending on your personal and financial situation and the amount you borrow. Therefore, the interest rate at ABN AMRO can vary from 3.5% to a maximum of 7.1%. View the different interest rates we charge for a personal loan.

Amount borrowed Monthly payment Fixed borrowing rate/annual percentage rate Term Total cost of loan
€ 10.000 € 188,20 4.8% 60 months € 11.292
€ 15.000 € 276,42 3.9% 60 months € 16.585
€ 25.000 € 456,35 3,6% 60 months € 27.381
€ 50.000 € 908,36 3,5% 60 months € 54.501

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 3.5% and 7.1%.

Why you should choose ABN AMRO for your loan


You can get in touch with us to schedule a meeting. We are available 24/7

English-speaking advisers

Our International Client Desks advisers would be happy to help you, in English, of course.

Excellent terms and conditions

From a competitive interest rate to no fee for additional repayments, we offer excellent terms and conditions.