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Find out how we can help

Apply for a loan, see the details or make additional repayments: you can easily arrange a lot yourself online. And if you have any questions, our staff at the Loans Desk are happy to help (in English, of course). We are available from Monday to Friday between 9 a.m. and 5 p.m.  

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How to apply for a loan Calculate your loan View, repay and change your loan

Borrowing money in the Netherlands

Loan interest overview Documents you need to provide Loans and the National Credit Register

Discontinued types of loans

Flexibel Krediet (flexible credit facility) Flexibel Hypotheek Krediet (flexible mortgage credit facility)

Frequently Asked Questions about loans

Who qualifies for a loan?
You can apply for a loan if you:
  • Are between the ages of 21 and 69
  • Have sufficient monthly income 
  • Live in the Netherlands  
If you have a temporary residence permit and you can afford to take out a loan, the maximum term of your loan will correspond to the term of your residence permit.
Why a credit listing?
In the Netherlands, consumers are protected from taking out loans they can’t afford to repay: loans and overdue repayments are listed in the National Credit Register (Bureau Krediet Registratie). You must be able to afford repayments on your loans. When you apply for a loan, we’ll perform a credit check. This is standard procedure.
 
Positive listing
If you take out a loan, you’re assigned a positive credit listing. If you make your repayments as required, this listing won’t have any consequences for your credit rating. If you apply for a new loan, we can see from the National Credit Register whether or not you can afford to borrow money.
How to apply for a loan?
  1. Calculate your loan 
    Find out in just two minutes how much you can borrow and what your monthly repayments will be.       
  2. 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.   
  3. 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.       
  4. 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.      
  5. 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.      
Can I still take out a loan if I’m self-employed or an entrepreneur?
Yes, in that case you can also take out a personal loan with us online. We will look at your annual figures and your income tax returns for the past 2 years.
Can I take out a loan with ABN AMRO even if I’m not a client?
You can apply for a loan with us even if you don’t bank with ABN AMRO. We will pay you a visit to verify your proof of identity.
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 the costs of a loan

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.
What is the current interest rate?
The interest rate for your loan depends on how much you borrow and your personal situation, like what you earn and whether you own your home or rent it. Take a look at the latest interest rates.
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.

One place for all your banking

If you already bank with us, you will have all your banking under one roof when you take out a loan with us. That’s clear and convenient.

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.

Other useful info about loans