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Personal Loan

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.”
Photo of loan expert Maaike Hollander
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

Anita, ABN AMRO Amstelveen

Frequently asked questions about loan applications

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.
A 9 on Klantenvertellen.nl

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.

Average 9/10 on Klantenvertellen.nl

"Excellent service"

19/6/2025 Shahin, Venlo 

"Convenient"

19/6/2025 Krsto, Brielle

"Smooth"

19/6/2025 Lenhard, Boxmeer 

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 borrowedFixed borrowing rate/annual percentage rateMonthly paymentTotal cost of loan
€ 5.00012.4%€ 110,58€ 6.635
€ 10.0009.6%€ 208,56€ 12.514
€ 15.0007.9%€ 301,48€ 18.089
€ 25.0007.9%€ 502,47€ 30.148 
€ 50.0007.5%€ 996,06€ 59.764

Term 120 months (10 years)

Amount borrowedFixed borrowing rate/annual percentage rateMonthly paymentTotal cost of loan
€ 5.00012.4%€ 71,00€ 8.521
€ 10.0009.6%€ 127,77€ 15.332
€ 15.0007.9%€ 179,05€ 21.486
€ 25.0007.9%€ 298,42€ 35.811
€ 50.0007.5%€ 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. 

Other useful info about loans