Car loan

Car finance

Borrowing money for a car

Fixed interest rate from
  • The money in your account as a single lump sum 
  • Fixed term and fixed monthly amount 
  • Additional repayments at no extra charge

Financing a car with fixed monthly payments

If you want to borrow money for a major purchase, such as a car, a personal loan is your most convenient option. The loan amount is paid into your account as a single lump sum, so you can make your purchase right away. You know in advance what your monthly payments and the term of your loan are. Because you know where you stand, you can hit the road without any worries.

Financing your car in 3 easy steps


1. Calculate your car loan

Find out in just 2 minutes how much you can borrow for a car and how much that will cost you each month.

2. Request a quote

You will receive a quote with no strings attached (30-day cooling-off period) for your car finance. We will walk you through the terms and conditions.

3. Loan approved?

Once we have received your signed copy of the quote and the requested documents, we will deposit the money for your car loan into your account as soon as possible.
Loan advisor Nicole explains about car financing

Questions about car finance

If you need help applying for a car loan, or if you have any questions and need advice, our Loan Desk staff would be happy to help you, free of charge and with no strings attached. You can call them, speak to them through Video Banking or drop in at a branch.
While having a car breakdown, it is considered to borrow money for a new car

Personal loan or privat lease?

There are several options to finance a car, like using your savings, a personal loan or private lease. Find out more about the pros and cons of each finance option.

Frequently Asked Questions about car loans

Yes, you can apply for a loan even if you do not bank with ABN AMRO. You can arrange this easily online. If we need to check your proof of ID, we will simply visit you.
When you borrow money, you repay a fixed amount for the principal and interest each month. The interest rate is fixed for the entire term of the loan. You can make fee-free additional repayments whenever you want. Calculate your car loan.
The interest rate depends on how much you borrow and your personal situation, like what you earn and whether you own your home or rent it. Check the current interest rates for loans.
You can apply for car finance if you:
  • are aged 21 to 68
  • have sufficient income
  • live in the Netherlands
  • Bank: the money will be paid into your account as a single lump sum. The car will become your property immediately upon purchase.
  • Dealer: you often purchase the car in instalments, paying part of the purchase amount in each instalment. The car only becomes your property once you have paid all the instalments.
  • Private lease: you make monthly payments for use of the car. This often includes insurance, maintenance and repairs. The car remains the property of the lease company.
Yes, it doesn’t matter whether the car is new or second-hand. The money will be paid into your account as a single lump sum. Find out how much you can borrow .
Yes, in that case you can still take out a personal loan with us. We will look at your annual figures and your income tax returns for the past 2 years.

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. 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 € 190,39 5.5% 60 months € 11,424
€ 15,000 € 279,03 4.5% 60 months € 16,742
€ 25,000 € 462,87 4.3% 60 months € 27,772
€ 50,000 € 923,56 4.2% 60 months € 55,414

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.