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Loans

Borrowing money in the Netherlands from 7.5%

Looking to buy a new car? Or perhaps you want to renovate your home? A loan might just make things easier. You arrange it all online, from calculating your loan to getting the money, and all in English. And if you have any questions, the staff at our International Client Desk will be happy to help.

Choose the loan that is right for you

When can you get a loan in the Netherlands?

You can apply for a loan if you: 
 
  • are aged 21 to 69; 
  • have sufficient income each month;  
  • live in the Netherlands.

If you are in the Netherlands on a temporary residence permit and qualify for taking out a loan, we will align the loan term with the term of your residence permit. 

Our loans

Personal Loan

Ideal for a large one-off expense

  • The money in your account in one go.
  • You select the loan term. The term depends on what the loan is for.
  • Fixed monthly payment. The payment is made up of interest and repayment towards the loan principal.
  • A loan must always be paid back. With interest. Buying something with a loan will, therefore, cost you extra.
  • A loan is a long-term commitment. Your financial situation may change over that period.

Rood Staan (overdraft)

Convenient when money is tight

  • Flexibility in your account when you need it.
  • Set your limit yourself online.
  • Borrow responsibly, as we will always carefully assess your incomings and outgoings when you apply for an overdraft. In some cases we may reject an overdraft application.
  • You pay interest on the amount you are overdrawn.
  • Easy and tempting to do more often.
“It’s good to know that in the Netherlands consumers are protected against taking out loans they cannot afford to repay. That’s why we carry out a credit check as standard when you apply for a loan.”
Loan expert Jeroen Harleman

Jeroen Harleman, loan expert ABN AMRO

Request a no-obligations offer

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 contact

After we have received your loan application, we will call you to answer any questions you may have and walk you through the terms and conditions (in English, of course).  

View, repay or cancel your loan

Adjusting your loan
If you would like to view your loan, make repayments/overpayments or cancel your loan, you can easily arrange it all using Internet Banking. For this you need an ABN AMRO current account. Read on to find out how this works. 

Read the latest articles of our loan experts

Frequently Asked Questions about loans

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