9/7/2025 Tiago, Amsterdam
Loans
Borrowing money in the Netherlands from 7.5%
Looking to buy a new car? Or perhaps you want to renovate your home? A loan might just make things easier. You arrange it all online, from calculating your loan to getting the money, and all in English. And if you have any questions, the staff at our International Client Desk will be happy to help.
Choose the loan that is right for you
When can you get a loan in the Netherlands?
You can apply for a loan if you:
- are aged 21 to 69;
- have sufficient income each month;
- live in the Netherlands.
If you are in the Netherlands on a temporary residence permit and qualify for taking out a loan, we will align the loan term with the term of your residence permit.
Our loans
Personal Loan
Ideal for a large one-off expense
- The money in your account in one go.
- You select the loan term. The term depends on what the loan is for.
- Fixed monthly payment. The payment is made up of interest and repayment towards the loan principal.
- A loan must always be paid back. With interest. Buying something with a loan will, therefore, cost you extra.
- A loan is a long-term commitment. Your financial situation may change over that period.
Rood Staan (overdraft)
Convenient when money is tight
- Flexibility in your account when you need it.
- Set your limit yourself online.
- Borrow responsibly, as we will always carefully assess your incomings and outgoings when you apply for an overdraft. In some cases we may reject an overdraft application.
- You pay interest on the amount you are overdrawn.
- Easy and tempting to do more often.
“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.”
Jeroen Harleman, loan expert ABN AMRO
Taking out a loan in three steps
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.
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).
View, repay or cancel your loan
If you would like to view your loan, make repayments/overpayments or cancel your loan, you can easily arrange it all using Internet Banking. For this you need an ABN AMRO current account. Read on to find out how this works.
Read the latest articles of our loan experts
Frequently Asked Questions about loans
Why get a loan from ABN AMRO?
You can borrow money from ABN AMRO on favourable terms, with a competitive interest rate and clear agreements. For example, you only pay the monthly instalments of the principal (the amount of the actual loan) and the interest. There are no hidden costs and you know exactly where you stand in advance. And if you have some money left over at any given time, you can always make early repayments (overpayments) on your loan – without incurring an additional charge. Simply transfer the money via Internet Banking or the ABN AMRO app. Read more about our terms and conditions.
What are my borrowing options?
The personal loan
With a personal loan, you receive the money in your current account in a lump sum. That comes in handy when you know exactly how much money you need for your purchase. The term of the loan and interest rate are fixed, so you know exactly how much you will be paying each month and when the loan will be repaid in full. And you can make overpayments on your loan at any time, without incurring an additional charge. With a personal loan, you can borrow between €5,000 and €75,000. Read more about our Personal Loan.
With a personal loan, you receive the money in your current account in a lump sum. That comes in handy when you know exactly how much money you need for your purchase. The term of the loan and interest rate are fixed, so you know exactly how much you will be paying each month and when the loan will be repaid in full. And you can make overpayments on your loan at any time, without incurring an additional charge. With a personal loan, you can borrow between €5,000 and €75,000. Read more about our Personal Loan.
How much can I borrow?
How much you can borrow depends on your situation, like what you earn and whether you own your home or rent it. A loan needs to fit within your budget, so it’s a good idea to first calculate how much you can borrow and what your monthly repayments will be. Calculate your loan.
How to apply for a loan?
- Calculate your loan
Find out in just two minutes how much you can borrow and what your monthly repayments will be. - Request a no-obligations quote
We will send you a quote with no strings attached (you have 30 days to consider our offer). We will call you to walk you through the terms and conditions. - Sign the quote
If you are already an ABN AMRO customer, we will send you a Bankmail message with a link to the platform where you can sign the quote digitally. If you are not an ABN AMRO customer, we will send you an email with the quote. Simply sign the quote and make a digital (PDF) copy of it. - Send us the required documents online
If you are an ABN AMRO customer, you will see in the secure environment which documents you need to send, how to do this and the conditions these documents must meet. You will receive a Bankmail message with instructions. If you are not an ABN AMRO customer, the email we send you will explain exactly which documents you need to provide. Make a digital copy (PDF) of these documents and email them to us. - Payment
Once we have received your documents and checked that they are correct and complete, we will assess your application. If we approve your loan, we will deposit the money into your account within one working day.
What does a loan cost?
When you borrow money, you repay a fixed amount each month. These instalments include a portion of the principal (the amount of the actual loan) and interest, together called repayments. The amount of your repayments depends on the amount you borrow and the term of your loan. How much interest you pay each month depends on your personal situation, for example your income, your family situation and whether you own your home or rent it. If you would like to know exactly how much a loan will cost you each month, you can calculate your loan here.
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.
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.