Need help getting a loan?

Find out how we can help

Apply for a loan, see the details or make additional repayments: you can easily arrange a lot yourself online. And if you have any questions, our staff at the Loans Desk are happy to help (in English, of course). We are available from Monday to Friday between 9 a.m. and 5 p.m.  

Call us 0800 - 024 07 11 (no charges apply)

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Applying for a loan Calculating a loan Changing or cancelling your loan

Borrowing money in the Netherlands

Loan interest overview Documents you need to provide Loans and the National Credit Register

Discontinued types of loans

Flexibel Krediet (flexible credit facility) Flexibel Hypotheek Krediet (flexible mortgage credit facility)

Frequently Asked Questions about loans

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.
Why a credit listing?
In the Netherlands, consumers are protected from taking out loans they can’t afford to repay: loans and overdue repayments are listed in the National Credit Register (Bureau Krediet Registratie). You must be able to afford repayments on your loans. When you apply for a loan, we’ll perform a credit check. This is standard procedure.
 
Positive listing
If you take out a loan, 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 apply for a new loan, we can see from the National Credit Register whether or not you can afford to borrow money.
What does a loan cost?
When you borrow money, you repay a fixed amount each month. These instalments include a portion of the principal (the amount of the actual loan) and interest, together called repayments. The amount of your repayments depends on the amount you borrow and the term of your loan. How much interest you pay each month depends on your personal situation, for example your income, your family situation and whether you own your home or rent it. If you would like to know exactly how much a loan will cost you each month, you can calculate your loan here.