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Personal Loan

Ideal for a large one-off expense

Personal Loan

Apply for a personal loan
How to apply
Apply for a personal loan
How to apply
Fixed interest rate from
7.5%
  • Receive your money as a lump sum
  • Fixed monthly payments
  • No fee for additional repayments

New car? Remodelling your home? With a Personal Loan you will have the money in your account in one go. And you always know exactly where you stand, because both the interest rate and the loan term are fixed. That gives you peace of mind.

Features of the personal loan

From €5,000 to €75,000
You can borrow between €5,000 and €75,000. Exactly how much you can borrow depends on your personal situation, such as your income and your family and living situation.

If you want to borrow less, see if our Rood Staan overdraft facility might be a better option for you. This facility lets you temporarily withdraw more money than you have in your account.
Fixed monthly repayment

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. 

No charge for additional repayments
You can always repay more than agreed. Simply transfer the additional money using Internet Banking or in 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. Read here how to make additional repayments and how we process them.
Dutch Credit Registration Office (BKR)
When you apply for a loan with us, we check your credit history with the Dutch Credit Registration Office (BKR). This is to ensure responsible borrowing. If we approve your loan, we will register it with BKR. Once it has been repaid in full we will ask BKR to deregister the loan. More about loans and BKR.
Conditions and product information guide
Read all about the personal loan, interest payments, and repayments in the  Personal Loan Conditions  (pdf). There is also a  product information guide  (pdf) available for this product, which provides more information about the personal loan.

Features of the personal loan

From €5,000 to €75,000
Fixed monthly repayment
No charge for additional repayments
Dutch Credit Registration Office (BKR)
Conditions and product information guide

From €5,000 to €75,000

You can borrow between €5,000 and €75,000. Exactly how much you can borrow depends on your personal situation, such as your income and your family and living situation.

If you want to borrow less, see if our Rood Staan overdraft facility might be a better option for you. This facility lets you temporarily withdraw more money than you have in your account.

Fixed monthly repayment

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. 

No charge for additional repayments

You can always repay more than agreed. Simply transfer the additional money using Internet Banking or in 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. Read here how to make additional repayments and how we process them.

Dutch Credit Registration Office (BKR)

When you apply for a loan with us, we check your credit history with the Dutch Credit Registration Office (BKR). This is to ensure responsible borrowing. If we approve your loan, we will register it with BKR. Once it has been repaid in full we will ask BKR to deregister the loan. More about loans and BKR.

Conditions and product information guide

Read all about the personal loan, interest payments, and repayments in the  Personal Loan Conditions  (pdf). There is also a  product information guide  (pdf) available for this product, which provides more information about the personal loan.

Good to know about the Personal Loan

Not yet an ABN AMRO customer? No problem!

You can apply for a personal loan even if you don’t bank with us. Online, in English. If you are from an EU member state, we will pay you a visit to verify your proof of identity. If you are from a country that is not in the EU, we will ask you to stop by an ABN AMRO branch to have your identity verified. 
Apply for a Personal Loan How to apply

Repaying your loan using iDEAL

Able to make additional repayments? Want to repay your loan in one single lump-sum payment? Repaying your loan faster will save you money. There’s no early repayment charge and you can do it yourself with iDEAL, the well-known and popular payment method in the Netherlands that is also used for online purchases. It’s secure and easy. 
More about (additional) repayments

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).  
Talk to a loan officer now

Taking out a loan in three 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

Calculating your loan will give you an idea of how much you can borrow and what it will cost you.
Calculate how much you can borrow

2. 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).
Request a no-obligations offer

3. Check!

We will assess your application and documents. If everything is in order, we will deposit the money into your account.
What do we consider when you apply for a loan

1. Calculate your loan

Calculating your loan will give you an idea of how much you can borrow and what it will cost you.
Calculate how much you can borrow

2. 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).
Request a no-obligations offer

3. Check!

We will assess your application and documents. If everything is in order, we will deposit the money into your account.
What do we consider when you apply for a loan

Frequently Asked Questions about the Personal Loan

What is a Personal Loan?

With a personal loan, you can borrow between €5000 and €75,000. The money will be paid into your account as a single lump sum. You make payments on the principal and interest each month until the loan is fully repaid. The interest rate is fixed, so you know exactly how much your monthly repayments will be.

How much will my repayments be on a Personal Loan?
Every month, you pay a fixed amount towards the principal and interest, which together make up the monthly repayment. Since the interest rate is fixed for the term of the loan, you know exactly how much your monthly repayments will be. Calculate what your loan will cost.
What are the fees for a Personal Loan?
Every month, you pay a fixed amount for the principal and interest, together called the repayments. Since the interest rate is fixed for the term of the loan, you know exactly how much your monthly repayments will be. Calculate what your loan will cost.
I’m self-employed, can I apply for a Personal Loan?

Yes, you can. We will then look at your annual figures and your income tax returns for the past 2 years.

Can an adviser help me apply for a Personal Loan?
Yes, our International Client Desk advisers would be happy to help you. You can talk to an adviser where, when and how you want, by phone, through Video Banking, or in person at the branch. Make an appointment.     

Good to know: when you request a quote, we always call you so that we can walk you through the terms and conditions. And if you have any questions, we answer them right then and there.

Frequently Asked Questions about loans in general

How much can I borrow?
This depends on your personal situation, like your income, for example, and your family and living situation. Take two minutes to calculate how much you can borrow and to see what your monthly repayments will be.
Can I apply for a personal loan if I don’t have a clean credit history?
When you apply for a loan with us, we check your credit history with the Dutch Credit Registration Office (BKR). This is to ensure responsible borrowing. If we approve your loan, we will register it with BKR. Once it has been repaid in full we will ask BKR to deregister the loan. More about loans and BKR.
What if I can’t afford my loan repayments (anymore)?
If you are (temporarily) unable to make your repayments, please read how to solve repayment problems or make an appointment with a financial adviser.
I am married. Does this in any way affect my loan application?
If you’re married in community of property, your partner will automatically be the co-applicant for the loan. If you’re married with a prenuptial agreement, we will also check your partner’s credit history with the Dutch Credit Registration Office (BKR).
What happens to my loan if I die?
If you die before the end of the loan term, your next of kin will have to repay your loan. Ask one of our International Client Desk advisers about insurance to cover this risk.
Can you deduct personal loan interest from your taxable income?
If you use your loan to improve the quality of your home, you can usually deduct the interest from your taxable income in Box 1. As a result, you pay a lower amount of tax. Get in touch with your financial adviser or the Dutch Tax and Customs Administration to find out more, or go to their website to read more about tax relief (in Dutch).

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

 93% 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.

Average 9/10 on Klantenvertellen.nl

"Easy and quick proces"

9/4/2025 Florin, Almere

" Easy, clear, consumer-friendly"

3/4/2025 Catalina, Utrecht

"It was a good experience"

11/4/2025 Pratik, Rotterdam 

Read all reviews

Average 9/10 on Klantenvertellen.nl

"Easy and quick proces"

9/4/2025 Florin, Almere 

"Easy, clear, consumer-friendly"

 3/4/2025 Catalina, Utrecht

Read all reviews

"It was a good experience"

11/4/2025 Pratik, Rotterdam 

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. 

Other useful info about loans