Best Personal Loans in The Netherlands

Compare the best options on the market and choose the one which best adapts to your day-to-day needs.

Further Below: Our Guide To Personal Loans in the Netherlands, Everything you need to know.


Try Our Loanfinder

✔️ From 300€ to 50000€
✔️ Available for almost any purpose
✔️ Free and unbiased platform
✔️ Fast process, get the best offers

Fundgecko Loanfinder


Our Rating: 9.5/10

Best Dutch Small Loan Provider

✔️ From 100€ to 1,800€
✔️ Available for almost any purpose
✔️ Great as long as you have Valid ID/Passport, Dutch Address, number and bank account
✔️ Fast process with money transfer
✔️ Website in Dutch, but simple format


Our Rating: 9.5/10

  • Get a loan of up to €75,000
  • Attractive and fixed interest rates/ APR of between 3.5% and 5.8%
  • The cash is granted within 24 hours
  • The money is given as a lump sum
  • Excludes fees for additional repayments
  • Available for any purpose
  • Long repayment terms of up to 60 months
  • Excellent loan conditions
  • Best applied with employment

ABN AMRO Bank NV


Our Rating: 9.2/10

  • Get a loan of up to €75,000
  • Friendly interest rates of 9.70% p.a
  • Fast concessions
  • Depends on creditworthiness
  • Quick paperless application
  • Excellent loan conditions
  • Flexible terms of payment of 5 years
  • Best applied with a stable source of income

Personal Loans in The Netherlands, All You Need To Know:

Compare the best personal loans in the Netherlands for free and in just 5 minutes. FUNDGECKO is out to help you have a seamless financial decision process by providing all the information you need about the best personal loans in the market. We equip you with all you need to know and do before signing up for a loan.

The current market for personal loans

We update you with the latest news about financing this month. Take a quick read through the most relevant news on consumer credit.

  • The Netherlands is a country within the eurozone that has stable banking systems and financial markets. According to Statista, the average lending rates as of the third quarter of 2021 was 2.1%. That shows a stable financial system, making it very affordable to take out a personal loan.
  • Mid-March 2022, the European Central Bank (ECB) announced that the cost of borrowing would only increase gradually to prevent financial turmoil amid the Russian war. This makes it the best time to borrow when the rates are still low.

How to compare between online loan offers?

Loan providers, either banks or private lenders have gained ground in the Netherlands’ market. Therefore, it’s prudent to compare between options before getting the friendliest of them all. However, you cannot compare options effectively without knowing which parameters to use, that is the interest rates, loan amounts, repayment periods, commissions and other fees, and many more.

For example to buy credit offers and save 600 euros

In the following table, we can see how to compare between online personal loan offers taking into account all factors.

[Table to come]

By copying this table and performing different simulations according to the project we want to finance and the offer made by each entity, we will be able to know which one will be the best simply by comparing the total cost.

How to use FUNDGECKO to get personal loans

At FUNDGECKO, we seek to inform our users about everything regarding loans including their characteristics, operation, and conditions. Having this information will make the process of selecting a financial product very easy. 

These are the steps you’ll follow at our site:

  • Compare the different financial options you’re attracted to. This process is free of charge.
  • Take time to read through their contractual terms to learn about their conditions in detail
  • FUNDGECKO seeks to rubbish any doubts you may develop along the way and help you choose a consumer credit you prefer with confidence. Clicking on “Contract” will take you to the entity’s website where our experts will help you through the application process.
  • Our website has a comment section where you can leave your reviews so other users can develop the confidence to work with us.

Why do you look for personal loans?

Personal loans come in handy when you’re faced with the need for a financial injection. You may want to complete or further your studies, make major purchases, renovate your home, or consolidate your debts. 

Use the list below to find a good offer for a specific purpose:

  • Finance your wedding
  • Finance your studies
  • Finance vacation or trip
  • Furnish or renovate your home
  • Finance your projects
  • Debt coverage
  • Purchase home appliances and electronics
  • Finance your health and beauty

Note: there are different conditions for different purposes for which we want to take out a loan. For instance, education loans are generally more friendly than any other loans. Knowing the purpose will help you choose the best available option.

How to apply for a personal loan?

Whether asking for a loan in person or online, the process you’re going to follow is practically the same. What steps are you going to take to get financing for your project?

  1. Select more than two loan options you’re interested in and inquire about their services either in person or online. Note down the uniqueness of each option and compare which one best suits you. We recommend working with at least three loan options.
  2. The entity will send you an application form that will require you to fill out the blank fields with your personal data as you select your preferred conditions of the loan (purpose, term, amount). This can be done either in person or online.
  3. You’ll receive a pre-approval notification in a few minutes if you’re applying online and after about two days if applying in person.
  4. Submit the required documentation either in person, via email, or by uploading photos.
  5. If the loan request is approved, the entity will send you pre-contractual information which you’re supposed to go through as you pay attention to the terms and conditions of the loan, that is amount, term, interest, commissions, etc.
  6. Sign the contract if the offer suits you (in the office or by digital signature).
  7. Receive the money. Depending on the lender, it will be paid to us immediately or after a maximum of 48 hours.

Requirements for personal loans in The Netherlands

Getting the best option and making an application is the first hurdle you have to jump before you get the funds. The lender will approve your application if only you meet their irreducible minimums. While these requirements may vary with the loan provider, below are some of the common requirements:

  • Be of legal age. 18 years and above
  • Have residence within the Netherlands. A foreign applicant will be required to have a permanent residence card.
  • Have a stable source of income that proves you’re able to pay the amount of money you’re applying for. Low income only means that you’ll qualify for small loans.
  • Your lender might check into your level of debt before approving your application. Having debts with many lenders might disqualify you because that would mean that you’ll not be able to repay the loan. Having poor credit history with BKR may have your loan application disapproved.

Take out a personal loan within the recommended 35-40% of your monthly income to avoid straining during repayments and to have a healthy level of debt.

Documentation for applying for a personal loan

It’s important to have the right documentation to make the whole process hassle-free.

  • Have a valid form of identification whether a native or a foreigner
  • Copies of your bank statements that show incomes of a few previous months
  • Income tax return
  • Have proof of income whether as an employee, self-employed, receiving a pension, etc.
  • Have a proposal form wherein you’ve detailed the purpose of the loan. This doesn’t apply to small loans.

Asking for a personal loan from a bank with which we have an active account and your receipts and income are domiciled will save you the hassle of much paperwork.

Who grants personal loans in the Netherlands?

In the modern Netherlands, banks no longer dominate the loan lending space. This happened after the 2008 financial crisis when other financial platforms and companies got a breakthrough way into the market.

Below are the lenders that broke into the market and have grown at a brisk rate:

  • Bank entities
  • Credit Financial Institutions (CFE)
  • Private Lenders
  • P2P Lending Platforms

Let’s take a quick look at each of the options and their services.

Financing through banks

✔️ Wide range of products
✔️ Big loans and loan flexibility
✔️ Long repayment periods
✔️ Competitive interest rates

❌ Long application processes involved
❌ Loans attract more commissions
❌ Stringent eligibility parameters like seniority

Credit Financial Institutions

✔️ Financing for any purpose
✔️ Favorable interest rates
✔️ Fewer commissions involved
✔️ Quicker concessions

❌ Strict eligibility parameters like in banks
❌ Adverse effects on credit history

Financing from private companies

✔️ Quicker concession
✔️ Less strict eligibility requirements
✔️ Loans accessible to newbies

❌ Unfavorable interest rates
❌ Adverse effects on credit history

Financing through P2P platforms

✔️ Hassle-free online application
✔️ Available to applicants with negative credit score
✔️ Excellent financing conditions

❌ High interest rates
❌ Slow concession
❌ Not available to applicants with a negative BKR score

FAQ: Frequently Asked Questions

What is a personal loan?

A personal loan is a type of consumer credit that you apply for when in need of a financial injection for purposes such as making big purchases, debt coverage, buying a car or a home, etc. The lender will have you repay the amount you borrow with the interest you will agree on and over a specified period. 

Why don’t you give me personal loans?

While many lenders will not indicate why they disapproved your loan application, one single mistake can hinder you from getting the funds. Your data might not be matching your bank statements, you may be having poor credit history on BKR among others. 

What is the INE form for a loan?

The Standard European Information (INE) form is a document that the lender provides the borrower with that details the credit agreement, the terms of operation and service, and personal loan conditions: amount, interest, term, commissions, other fees, etc.

What is the binding offer of personal credit?

Before you sign the contract, your lender will give you a document and ask you to go through it in 14 calendar days to decide on whether you agree with the indicated loan terms and conditions.

Can personal loans be paid in advance?

It is a legal right in the Netherlands to make a loan repayment in advance either in full or part. Be sure to inform your lender in good time before making the payment. You might also be required to pay an early repayment fee, depending on the entity.

What if I take out a loan online and then regret it?

Dutch Law has given an allowance for loan applicants to withdraw the loan within the first 14 days after approval. However, withdrawing the loan after the 14 days might attract some penalties.

What happens if I don’t pay back a personal loan?

Applicants in the Netherlands who fail to pay back loans always register poor credit scores with the BKR. This will hurt your credit history and hinder you from getting a loan in the future.

When to Apply for a Personal Loan

You need some funds to start or finalize a certain project and don’t mind waiting. You also don’t mind getting the cash from a new entity. You’ll be required to demonstrate your ability to pay back the loan. 

For expats, many entities have their websites with English (and other languages) support and provide the funds as long as you meet their requirements.

When to Apply for a Fast Loan

You need a quick financial injection, probably due to an emergency. Fast loans are small in size, high in interest, and have a short repayment term. The loan is only applied when the purpose is urgent and cannot wait for your next income. It’s therefore advisable to borrow responsibly and repay a loan before taking out another one.

Wrapping Up

A loan is helpful if only you’re able to assume repayments comfortably and within the required time. To avoid surprise payments in the future, be sure to read through the contractual terms that the entity sends you.

About this page, our methodology

What this page is for: we’re here to provide any necessary information regarding consumer credits and the latest news concerning the same.

Source: information about regulation on consumer credits has been drawn from Statista, Dutch Law, government portals, among other reliable sources.

Methodology: The data relating to the conditions of these products (amount, term, interest, etc.) have been obtained through online research and consultation of the official statistics of the aforementioned reference sources.

About FUNDGECKO: we are an online comparator website that’s designed to help our users have an easy loan application process by comparing the best options in the market and equipping them with the information they need beforehand.

Note: the services we offer are totally free for the user, as FUNDGECKO obtains its income from advertising and its featured products

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