How much can I borrow?
Do your own calculation
Got a major expense coming up? A Personal Loan might be the product you’re looking for. The money is paid into your account in one lump sum and you make a fixed repayment every month. Do you want to know the cost of your loan? Calculate it instantly and get an estimate of your monthly payment.
Don’t borrow more than necessary, work out how much you actually need!
Your maximum loan amount: what we look out for
Your personal situation
How old are you? Do you own or rent your home? Do your children still live at home? Do you own a car? All these factors affect the maximum amount you can borrow.
Your income
We also take a close look at your income and how you earn it. Are you on a permanent or a temporary employment contract? Are you employed by a company or self-employed? The maximum amount you can borrow largely depends on your income and fixed costs.
Your expenditure
How much do you pay per month for your rent or mortgage? Are you paying off a student loan, any other loans, or do you pay maintenance? The difference between your income and your expenditure ultimately determines how much you can borrow. You must have enough money left for the repayments on your loan.
1. Take out a loan in 3 steps
Request a loan quote with no strings attached
Enter your details and receive a no-strings-attached loan quote (you have 30 days to consider our offer).
2. See right away whether you can get a loan
You’ll see within a few minutes whether you can request the loan.
3. Check!
We will assess your application and documents. If everything is in order, we’ll deposit the money into your account.
Meer informatie en voorwaarden
From €5,000 to €75,000
You can borrow between €5,000 and €75,000. The exact amount depends on your personal situation, such as your income and your family and living situation. If you want to borrow more, our Maatwerkkrediet might be what you’re looking for. If you want to borrow less, see if our Rood Staan overdraft facility might be an option.
Fixed monthly repayments
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.
No charge for additional repayments
You can always repay more than agreed. Simply transfer the additional money using Internet Banking or the ABN AMRO app. When you make additional repayments on your loan or repay it in one lump-sum payment, you will not be charged an early repayment fee.
From €5,000 to €75,000
You can borrow between €5,000 and €75,000. The exact amount depends on your personal situation, such as your income and your family and living situation. If you want to borrow more, our Maatwerkkrediet might be what you’re looking for. If you want to borrow less, see if our Rood Staan overdraft facility might be an option.
Fixed monthly repayments
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.
No charge for additional repayments
You can always repay more than agreed. Simply transfer the additional money using Internet Banking or the ABN AMRO app. When you make additional repayments on your loan or repay it in one lump-sum payment, you will not be charged an early repayment fee.
“If you want to take out a loan, we also check how much money is left for your day-to-day expenses, after paying your monthly loan repayments. This is called the lending standard. ”
Jeroen Harleman, loan expert at ABN AMRO
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How much can I borrow in my situation?
How much can I borrow if I’m self-employed?
If you earn money as a self-employed person, you can apply for a business loan or a personal loan. We will look at your annual figures and your income tax returns for the past 2 years.
How much can I borrow if I’m on a temporary contract?
You can usually take out a loan on a temporary contract. But it’s sensible to pay off the loan before your contract expires to avoid being unable to afford the repayments in the future.
How much can I borrow if I’m on benefits or retired?
You can usually take out a loan if you’re on benefits or retired. The amount depends on your benefits or pension, your family situation, your living expenses and any other costs.
How much can I borrow for a renovation?
The amount you can borrow for a renovation depends on your situation. You can pay for a renovation from your savings, by increasing your mortgage or by taking out a personal loan. Use the selection tool to find out which option is best in your situation. You can then calculate how much you can borrow.
How much interest do I pay on a loan?
The amount of interest you pay on your loan depends on (among other things):
- The amount you borrow
- Your personal situation, such as your income and expenses and your family and living situation.
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.
8.9/10 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 120 months (10 years)
| Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
|---|---|---|---|
| € 5.000 | 12.4% | € 71,00 | € 8.521 |
| € 10.000 | 9.6% | € 127,77 | € 15.332 |
| € 15.000 | 7.9% | € 179,05 | € 21.486 |
| € 25.000 | 7.9% | € 298,42 | € 35.811 |
| € 50.000 | 7.5% | € 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.