9/7/2025 Tiago, Amsterdam
Car loan
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.
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.
Questions about a car loan?
Our staff at the Loans Desk are happy to help, for free and with no strings attached, by telephone or through Video Banking.
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.
“Set the loan term based on how long you intend to have the car for. This way, you won’t still be paying for the car when you’re no longer using it.”
Maaike Hollander-Kragten, loan expert ABN AMRO
Frequently Asked Questions about car loans
Can I take out a loan with ABN AMRO even if I’m not yet a customer?
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.
What does a car loan cost?
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.
What is the current interest rate?
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.
What requirements do I need to meet to borrow money for a car?
You can apply for car finance if you:
- are aged 21 to 68
- have sufficient income
- live in the Netherlands
What’s the difference between borrowing from a bank, a dealer or a private lease company?
- 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.
Can I also borrow money for a second-hand car?
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.
Can I still take a loan if I’m self-employed or an entrepreneur?
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.
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 96 months (8 years)
| Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
|---|---|---|---|
| € 5.000 | 12.4% | € 80,57 | € 7.735 |
| € 10.000 | 9.6% | € 147,55 | € 14.165 |
| € 15.000 | 7.9% | € 209,22 | € 20.085 |
| € 25.000 | 7.9% | € 348,70 | € 33.476 |
| € 50.000 | 7.5% | € 688,02 | € 66.050 |
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: 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.