Loan calculator
See how much you may be able to borrow
Are you planning to buy another car, study or improve your home? A Personal Loan could sometimes be useful. ABN AMRO no longer offers personal loans directly. That is why we work with our partner Lendris, a specialist in personal loans. Lendris loans are developed exclusively for selected banks and are available through ABN AMRO. Use the calculator to see what your options are.
Apply for your loan in 4 steps
Calculate your loan
Use the loan calculator to get an initial loan estimate. This will give you an instant idea of the monthly payment, interest rate and total cost of the loan. Please note: our partner Lendris will assess whether or not you can borrow this amount.
Create an account
Send your application and contact details to Lendris and create an account on Lendris’ secure online platform Mijn Lendris.
Share your details with Lendris
On Mijn Lendris, you’ll be asked to share your details, such as your income. You’ll need to use your DigiD for that. Complete your Personal Loan application on the platform and get an offer with no strings attached.
Sign the loan offer
If Lendris has approved your loan, the next step is to sign the offer.
Who can apply for a loan?
When can I apply for a loan?
You can apply for a loan with Lendris if you:
- are between 18 and 69 years old
- have a regular income
- live in the Netherlands
At ABN AMRO, we believe it is important to borrow responsibly. That is why we work with Lendris, a lending partner with clear conditions. Lendris checks whether a Personal Loan is right for your financial situation.
Can I apply for a loan if I am not an ABN AMRO customer?
No, you cannot.
Lendris loans are only available through selected banks and can be applied for through ABN AMRO. This means you must already be an ABN AMRO customer before you can apply for a Personal Loan.
Can I get a loan if I am self-employed or run a business?
No, you cannot.
If you need to borrow money for your business, you may want to consider a business loan instead.
What to consider before taking out a loan
A loan is a long-term commitment. You need to be able to afford the repayments now and in the future.
That is why Lendris reviews your financial situation when you apply for a Personal Loan. As part of your application, you will need to provide proof of income.
Lendris also checks whether you have other loans registered with the Dutch Credit Registration Office (BKR) and whether there are any missed payments on record. This helps make sure you do not borrow more than you can afford.
If your application is approved, your loan will be registered with BKR. Once you have repaid the loan in full, Lendris will update the registration.
When can I apply for a loan?
You can apply for a loan with Lendris if you:
- are between 18 and 69 years old
- have a regular income
- live in the Netherlands
At ABN AMRO, we believe it is important to borrow responsibly. That is why we work with Lendris, a lending partner with clear conditions. Lendris checks whether a Personal Loan is right for your financial situation.
Can I apply for a loan if I am not an ABN AMRO customer?
No, you cannot.
Lendris loans are only available through selected banks and can be applied for through ABN AMRO. This means you must already be an ABN AMRO customer before you can apply for a Personal Loan.
Can I get a loan if I am self-employed or run a business?
No, you cannot.
If you need to borrow money for your business, you may want to consider a business loan instead.
What to consider before taking out a loan
A loan is a long-term commitment. You need to be able to afford the repayments now and in the future.
That is why Lendris reviews your financial situation when you apply for a Personal Loan. As part of your application, you will need to provide proof of income.
Lendris also checks whether you have other loans registered with the Dutch Credit Registration Office (BKR) and whether there are any missed payments on record. This helps make sure you do not borrow more than you can afford.
If your application is approved, your loan will be registered with BKR. Once you have repaid the loan in full, Lendris will update the registration.
Why borrow from Lendris through ABN AMRO
Borrow responsibly
At ABN AMRO, we are committed to helping you borrow responsibly. That’s why we’ve chosen a lending partner with clear terms and conditions who will assess whether the Personal Loan is a good fit with your financial situation.
An easy way to share your details
You share your details with Lendris in a secure app and using your DigiD. These details include your income and fixed monthly expenses.
Extra peace of mind
A loan from Lendris comes with extra peace of mind for you and your family. If you pass away, your loved ones won’t have to repay the loan. Terms and conditions apply .
Frequently Asked Questions about the calculation and costs of borrowing
Good to know
Start your application with ABN AMRO
In your trusted ABN AMRO environment, fill in the first details for a Personal Loan and start your application with no strings attached. ABN AMRO exclusively acts as an intermediary for Personal Loans from Lendris.
Clear terms and conditions
With a fixed interest rate and fixed monthly payments, you always know where you stand. You can make extra repayments without having to pay a penalty and the loan will be Cancelled if you pass away.
Mijn Lendris: your personal environment
After having taken the first step for your loan application with ABN AMRO, the process continues on Mijn Lendris, our lending partner’s online platform. This is where you complete your application and will ultimately be managing your loan. If you have any questions, Lendris will be happy to help.
Calculation example of a Personal Loan
This table is only an example showing the most common interest rates. The interest rate you pay with Lendris depends on the amount you borrow and the loan term. See Lendris’ current and previous interest rates for more information.
Term 60 months (5 years)
| Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
|---|---|---|---|
| € 5.000 | 11,9% | € 109,46 | € 6.567,60 |
| € 10.000 | 9,7% | € 209,02 | € 12.541,20 |
| € 15.000 | 8,4% | € 304,82 | € 18.289,20 |
| € 25.000 | 8,3% | € 506,92 | € 30.415,20 |
| € 50.000 | 8,3% | € 1013,83 | € 60.829,80 |
| € 75.000 | 8,3% | € 1520,74 | € 91.244,40 |
Term 120 months (10 years)
| Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
|---|---|---|---|
| € 5.000 | 11,9% | € 69,72 | € 8.366,40 |
| € 10.000 | 9,6% | € 128,28 | € 15.393,60 |
| € 15.000 | 8,4% | € 182,73 | € 21.927,60 |
| € 25.000 | 8,3% | € 303,32 | € 36.398,40 |
| € 50.000 | 8,3% | € 606,64 | € 72.796,80 |
| € 75.000 | 8,3% | € 909,96 | € 109.195,20 |
The term of a personal loan ranges between 6 months and 120 months. The annual percentage rate (APR) consists of the interest you pay and any additional charges. As you do not pay any additional charges with Lendris, the APRC is the same as the interest rate.
Good to know: in the month you receive the loan, you will make a one-off interest payment only. This additional amount covers the interest for the days in that month during which the loan funds had already been paid to you.