borrowing money in the Netherlands

Apply for your loan in 3 easy steps

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.

1. Calculate your loan

Find out in just two minutes how much you can borrow and what your monthly repayments will be.

2. Request a no-obligations quote

We will send you a quote with no strings attached (you have 30 days to consider our offer) and we will walk you through the terms and conditions.

3. Application approved?

As soon as we have received your signed copy of the quote and the requested documents and checked that everything is in order, we will deposit the money into your account within one working day.

1. Calculate your loan

Find out in just two minutes how much you can borrow and what your monthly repayments will be.

2. Request a no-obligations quote

We will send you a quote with no strings attached (you have 30 days to consider our offer) and we will walk you through the terms and conditions.

3. Application approved?

As soon as we have received your signed copy of the quote and the requested documents and checked that everything is in order, we will deposit the money into your account within one working day.

Frequently Asked Questions about loans

Why get a loan from ABN AMRO?

You can borrow money from ABN AMRO on favourable terms, with a competitive interest rate and clear agreements. For example, you only pay the monthly instalments of the principal (the amount of the actual loan) and the interest. There are no hidden costs and you know exactly where you stand in advance. And if you have some money left over at any given time, you can always make early repayments (overpayments) on your loan – without incurring an additional charge. Simply transfer the money via Internet Banking or the ABN AMRO app. Read more about our terms and conditions.

What are my borrowing options?

The personal loan  
With a personal loan, you receive the money in your current account in a lump sum. That comes in handy when you know exactly how much money you need for your purchase. The term of the loan and interest rate are fixed, so you know exactly how much you will be paying each month and when the loan will be repaid in full. And you can make overpayments on your loan at any time, without incurring an additional charge. With a personal loan, you can borrow between €5,000 and €75,000. Read more about our Personal Loan.

How much can I borrow?

How much you can borrow depends on your situation, like what you earn and whether you own your home or rent it. A loan needs to fit within your budget, so it’s a good idea to first calculate how much you can borrow and what your monthly repayments will be. Calculate your loan.

How to apply for a loan?

Calculate your loan
Find out in just two minutes how much you can borrow and what your monthly repayments will be.
Request a no-obligations quote
We will send you a quote with no strings attached (you have 30 days to consider our offer). We will call you to walk you through the terms and conditions.
Sign the quote
If you are already an ABN AMRO customer, we will send you a Bankmail message with a link to the platform where you can sign the quote digitally. If you are not an ABN AMRO customer, we will send you an email with the quote. Simply sign the quote and make a digital (PDF) copy of it. 
Send us the required documents online
If you are an ABN AMRO customer, you will see in the secure environment which documents you need to send, how to do this and the conditions these documents must meet. You will receive a Bankmail message with instructions. If you are not an ABN AMRO customer, the email we send you will explain exactly which documents you need to provide. Make a digital copy (PDF) of these documents and email them to us.
Payment
Once we have received your documents and checked that they are correct and complete, we will assess your application. If we approve your loan, we will deposit the money into your account within one working day.

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.

Show Hide calculation example

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	9.7%	€ 104,51	€ 6.270
€ 10.000	7.3%	€ 198,33	€ 11.900
€ 15.000	6.4%	€ 291,53	€ 17.492
€ 25.000	6.2%	€ 483,67	€ 29.020
€ 50.000	6.0%	€ 962,95	€ 57.777

Term 120 months (10 years)

Amount borrowed	Fixed borrowing rate/annual percentage rate	Monthly payment	Total cost of loan
€ 5.000	9.9%	€ 64,64	€ 7.726
€ 10.000	7.3%	€ 116,45	€ 13.974
€ 15.000	6.4%	€ 168,19	€ 20.183
€ 25.000	6.3%	€ 279,12	€ 33.495
€ 50.000	6.1%	€ 552,49	€ 66.419

_{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%.}

Why you should choose ABN AMRO for your loan

Personal contact

If you’ve got any questions about loans, our staff at the Loans Desk are happy to help by telephone or through Video Banking.

English-speaking advisers

Our International Client Desks advisers would be happy to help you, in English, of course.

Excellent terms and conditions

From a competitive interest rate to no fee for additional repayments, we offer excellent terms and conditions.

Loans