7/30/2025 Keith, Oosterhout
Personal Loan
Ideal for a large one-off expense
Fixed interest rate from
- 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.
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, 241 KB) (pdf). There is also a product information guide (PDF, 112 KB) (pdf) available for this product, which provides more information about 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.
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, 241 KB) (pdf). There is also a product information guide (PDF, 112 KB) (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.
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.
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).
“With a personal loan, you’ll always know where you stand, because the interest rate and term are fixed. Want to make additional repayments? You can and it won’t cost you anything extra.”
Maaike Hollander-Kragten, loan expert ABN AMRO
Read the latest articles of our loan experts
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.
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).
3. Check!
We will assess your application and documents. If everything is in order, we will deposit the money into your account.
Frequently Asked Questions about the Personal Loan
Frequently Asked Questions about loans in general
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.
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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.
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"Went well apart from one IT issue"
"Very professional"
8/7/2025 Nadia, Utrecht
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 | 11.9% | € 109,45 | € 6.567 |
| € 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 | 11.9% | € 69,72 | € 8.366 |
| € 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.