9/7/2025 Tiago, Amsterdam
Loan calculator
Need a new car? Or perhaps you want to renovate your home? It can sometimes be useful to take out a loan. Find out in just two minutes how much you can borrow and what your monthly repayments will be.
Taking out a loan in three steps
1. 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).
2. See immediately whether you can borrow
Within a few minutes you will see on your screen whether you can apply for the loan.
3. Check!
We will assess your application and documents. If everything is in order, we will deposit the money into your account.
“With a no-obligations offer, you know whether you can get a loan and how much exactly you would be paying in interest. There is a 30-day cooling-off period and you are not committed to anything.”
Jeroen Harleman, loan expert ABN AMRO
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.
Frequently Asked Questions about the calculation and costs of borrowing
How is my maximum loan calculated?
Your maximum loan is calculated by looking closely at your income and your expenses, for example, your:
- income
- family situation. For example, do you have children?
- housing expenses. What is your monthly rent or mortgage payment?
- other financial obligations. Do you pay maintenance? Do you have any other loans?
Based on such information and other factors, we estimate your credit limit.
How do I calculate my monthly loan repayments?
Your monthly repayments include a portion of the principal (the amount of the actual loan) and interest. Calculate how much you can borrow and see what your monthly repayments will be right away.
How much interest do I pay on a loan?
The amount of interest on your loan will depend on (among other things):
- the amount you borrow
- your personal situation, like your income and expenses, for example, and your family and living situation.
To find out how much interest you will pay on your loan you can calculate your maximum loan here. Or you can see the interest rates for our loans here.
What is the current interest rate?
The interest rate for your loan depends on how much you borrow and your personal situation, like what you earn and whether you own your home or rent it. Take a look at the latest interest rates.
How does my rent or mortgage affect the amount I can borrow?
One of the factors in calculating the amount you can borrow is your housing expenses. We always look at how much mortgage or rent you pay and deduct this amount from your income.
How does my family situation affect the calculation of my loan?
Based on your family situation, we estimate how much money you need each month to make ends meet. Someone living alone has lower costs than a family with children.
Frequently Asked Questions about the application process and acceptance
Can I take out a loan with ABN AMRO even if I’m not 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. Find out how this works.
When can I borrow money?
You can apply for a loan if you:
- are aged 21 to 68
- have sufficient income
- live in the Netherlands.
We always look carefully at your personal situation when you come to us for a loan. This ensures responsible borrowing. Take a look at the factors we consider when you apply for a loan.
Borrowing money: what should I pay attention to?
A loan is money you borrow over a longer period. This means you need to be able to make the repayments both now and several years later too. That’s why, when you apply for a loan, we take your financial situation into account, as it is today and will be in the future. See our tips for borrowing within your means.
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).
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.