Personal Loan

Personal loan

Perfect for funding a large one-off spend

Personal loan

Apply for a personal loan
Talk to a loan officer now
Apply for a personal loan
Talk to a loan officer now
Fixed interest rate from
4,0%
  • Receive your money as a lump sum
  • Fixed monthly payments
  • No fee for additional repayments

Our personal loan: a safe bet

Want to buy a car or renovate your home? If you take out a personal loan, we’ll transfer the money to you as a lump sum. You’ll always know exactly where you stand since we’ll agree your monthly payment and the end date of the loan with you in advance.

Calculate how much you can borrow

What type of loan is right for you?

Personal Loan

  • Ideal for a large one-off expense 
  • Cash in your account in one lump sum 
  • Fixed interest rate from 4.0%
  • Additional repayments at no extra charge

Flexibel Krediet

  • Revolving credit for one or more large purchases
  • From €5,000 to €75,000
  • Only start repaying when you use the loan
  • Additional repayments at no extra charge

Privélimiet Plus

  • Arranged overdraft facility 
  • From €500 up to your net income (max. €5,000)
  • Interest only charged when overdrawn
  • Useful if you temporarily need a bit of extra cash
contact

Loans for self-employed persons

You can also apply for a private loan if you’re self-employed. We’ll assess your financial situation based on your annual results and personal income tax returns for the past two years.

More information and terms & conditions governing personal loans

Perfect for funding a large one-off spend

If you take out a personal loan, we’ll transfer the money to you as a lump sum. You make the same payment every month. You agree with us at what date you’ll have repaid the loan in full. Any amounts you’ve repaid on the personal loan can’t be drawn again.

The same payment every month

You’ll owe a fixed rate of interest on a personal loan. This rate won’t change over the life of the loan. The same payment will be due every month. This payment has a repayment and an interest component.

No fee for additional repayments

You’ll always have the option to repay more than we’ve agreed. All you have to do is use Internet Banking to transfer the money. 

You won’t owe us a fee for additional repayments or repaying your loan as a lump sum. We’ll deal with your additional repayment as follows:

  • If your additional repayment is higher than your monthly payment, we’ll regard the additional payment as a prepayment on your next monthly instalment and qualify it as an extra repayment. We won’t debit your next monthly payment from your account. The additional repayment will lower your interest expense over the full term of your loan. And depending on the amount of the extra repayment, the term of the loan may be shortened.
  • If your additional repayment corresponds to or is lower than your monthly payment, we’ll regard the extra payment as a prepayment on your next monthly instalment. We’ll subtract the additional repayment from your next monthly instalment.
  • If you’re behind on your monthly payments, we’ll regard your additional repayment as a catch-up payment.
Non-ABN AMRO clients

You can apply for our personal loan even if you’re not an ABN AMRO client. Just go online to make the appropriate arrangements. 

If you’re from an EU country, we’ll come to you to check your ID. If you’re from a non-EU country, we’ll ask you to visit an ABN AMRO branch so that we can check your ID on-site.

From € 5,000 to € 75,000

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

Are you married?
Your partner will always qualify as the co-applicant if:
  • You’re married in community of property
  • You’re in a registered partnership with no partner conditions
We’ll also perform a credit check of your partner with the Dutch National Credit Register (BKR) if you:
  • Have a prenuptial agreement
  • Live with your partner or are in a registered partnership with partner conditions
Risks
It’s important that you can afford to repay your loan, even if you suffer a loss of income, lose your job or become incapacitated for work.
What happens if you die?
In the unfortunate event that you should die, your surviving dependants will have to repay your loan. Please contact a loan officer if you want to take out insurance to cover this risk.
Repayment problems
Can’t afford to repay your loan at this particular time? Find out how to deal with repayment problems or schedule an appointment with a financial adviser.
Terms & conditions and product information sheet – personal loan
The Terms & Conditions governing Personal Loans tell you all you need to know about personal loans, repayments and interest. We also offer a product information sheet for this loan, which provides more in-depth information.
Dutch National Credit Register (BKR)
If you apply for a loan from us, we’ll perform a credit check with the Dutch National Credit Register (BKR). This is how we make sure that you don’t borrow more money than you can afford. If there are no red flags, your loan will be listed in the Register. Once you’ve repaid your loan, we’ll cancel your listing.

More information and terms & conditions governing personal loans

If you take out a personal loan, we’ll transfer the money to you as a lump sum. You make the same payment every month. You agree with us at what date you’ll have repaid the loan in full. Any amounts you’ve repaid on the personal loan can’t be drawn again.

You’ll owe a fixed rate of interest on a personal loan. This rate won’t change over the life of the loan. The same payment will be due every month. This payment has a repayment and an interest component.

You’ll always have the option to repay more than we’ve agreed. All you have to do is use Internet Banking to transfer the money. 

You won’t owe us a fee for additional repayments or repaying your loan as a lump sum. We’ll deal with your additional repayment as follows:

  • If your additional repayment is higher than your monthly payment, we’ll regard the additional payment as a prepayment on your next monthly instalment and qualify it as an extra repayment. We won’t debit your next monthly payment from your account. The additional repayment will lower your interest expense over the full term of your loan. And depending on the amount of the extra repayment, the term of the loan may be shortened.
  • If your additional repayment corresponds to or is lower than your monthly payment, we’ll regard the extra payment as a prepayment on your next monthly instalment. We’ll subtract the additional repayment from your next monthly instalment.
  • If you’re behind on your monthly payments, we’ll regard your additional repayment as a catch-up payment.

You can apply for our personal loan even if you’re not an ABN AMRO client. Just go online to make the appropriate arrangements. 

If you’re from an EU country, we’ll come to you to check your ID. If you’re from a non-EU country, we’ll ask you to visit an ABN AMRO branch so that we can check your ID on-site.

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

Your partner will always qualify as the co-applicant if:
  • You’re married in community of property
  • You’re in a registered partnership with no partner conditions
We’ll also perform a credit check of your partner with the Dutch National Credit Register (BKR) if you:
  • Have a prenuptial agreement
  • Live with your partner or are in a registered partnership with partner conditions
It’s important that you can afford to repay your loan, even if you suffer a loss of income, lose your job or become incapacitated for work.
In the unfortunate event that you should die, your surviving dependants will have to repay your loan. Please contact a loan officer if you want to take out insurance to cover this risk.
Can’t afford to repay your loan at this particular time? Find out how to deal with repayment problems or schedule an appointment with a financial adviser.
The Terms & Conditions governing Personal Loans tell you all you need to know about personal loans, repayments and interest. We also offer a product information sheet for this loan, which provides more in-depth information.
If you apply for a loan from us, we’ll perform a credit check with the Dutch National Credit Register (BKR). This is how we make sure that you don’t borrow more money than you can afford. If there are no red flags, your loan will be listed in the Register. Once you’ve repaid your loan, we’ll cancel your listing.

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 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.
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.
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.
How is a loan application processed?

 You can easily apply for a personal loan online:   

  1. Calculate your loan 
    Find out in just two minutes which loan is best for your situation, how much you can borrow and what your monthly repayments will be.   
  2. Request a quote 
    We will send you a quote with no strings attached (you have 30 days to consider our offer). We will walk you through the terms and conditions.   
  3. Loan approved? 
    Once we have received your signed copy of the quote and the requested documents, we will deposit the money into your account as soon as possible, often within one working day.      
Can an adviser help me apply for a personal loan?
Our 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.

Calculation example of a personal loan

This table is for illustrative purposes only. The rate of interest we’ll charge for your loan will vary depending on your personal and financial situation and the amount you borrow. Therefore, the interest rate at ABN AMRO can vary from 3.5% to a maximum of 7.1%. View the different interest rates we charge for a personal loan.

Amount borrowed Monthly payment Fixed borrowing rate/annual percentage rate Term Total cost of loan
€ 10.000 € 189,09 5.2% 60 months € 11.345
€ 15.000 € 277,72 4.3% 60 months € 16.663
€ 25.000 € 459,61 4.0% 60 months € 27.576
€ 50.000 € 919,21 4.0% 60 months € 55.153

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 3.5% and 7.1%.

Reasons for taking out a personal loan from ABN AMRO

Favourable conditions

A competitive interest rate and no charge for additional repayments. Read the terms & conditions

8.7 for convenience

Clients have awarded our loans a rating of 8.7 out of 10 for convenience on Independer.nl

24/7 availability

Please don’t hesitate to contact us if you have any questions about borrowing money. We’re always available and happy to help.