Do you need extra financial capacity?

Personal loan in the Netherlands

Independent Expat Finance has a lot of experience with consumer loans. Whether you’re interested in knowing if you can save money on your current personal loan or want a second opinion on interest rates, we can help you out with your personal loan. You can use a consumer loan for many purposes, such as to renovate your home, buy household appliances or buy a car.


To apply for a personal loan as an expat in the Netherlands. Most lenders want you to meet the following requirements:


  • You have been working in the Netherlands for at least 3 years under a Dutch employers contract. In case of self-employment, you need to have at least your company figures of the last 3 years.
  • You have a positive credit history. ( a positive registration at BKR )
  • If your nationality is not European. You need at least a residence permit with the following types: II, III, IV, V.


How can we help you with a personal loan?

At Independent Expat Finance we can help you search and compare a wide range of loan offers from different lenders. We are an independent company and thus are able to give you unbiased information about the best deals. The interest rate you’ll be charged depends on your personal and financial circumstances. The terms over which you can pay back your loan is between 1 and 15 years. Independent Expat Finance can tell you all about the different rules and laws regarding loans for expats.


Formalisation of the loan agreement is quick and simple. We always grant the consumer loan without requesting any collateral. We offer personal loans through a carefully selected panel of loan providers, so it will always fit your personal and financial situation.


Get in touch to find out your best loan possibilities!

What our clients say about us

I highly recommend Independent Expat Finance to everyone. They do more then advisory, you can make sure that you will get answers for your questions anytime. I could not complete my mortgage journey without help of Serge and his team. If you are planning to take out a mortgage, don’t search for anywhere else especially if you are an expat in Netherlands
Tolga Kavukcu
Tolga Kavukcu
14:23 03 Oct 19
I definitely recommend to work with Independent Expat Finance! They work with a nice personal touch and take a lot of effort to sort everything out for you in the most convenient and fastest way, so they saved me a lot of stress and time as well!All in all, Independent Expat Finance is reliable and professional so I had a very pleasant time working with them together, especially during the meetings in person.
Lisa Isabell Stuemke
Lisa Isabell Stuemke
12:06 10 Oct 19
For expats wants to buy a house in the Netherlands, Independent Expat Finance is the solution! I bought my first house and very happy with the service along the way! I communicated mostly with Liaget and his colleagues Rogier and they are very professional, quick in response and honest advice! Very experienced people. He definitely entertains all questions you have with a clear details explanation. Highly recommended!
Nidal Hafil
Nidal Hafil
16:26 11 Nov 19
Highly recommend! I have worked with them twice the first time everything went smooth even though I was out of the country. The second time the Real Estate Agency was a scammer but luckily Independent Expect Finance handled everything professionally and didn't give up the fight. All in all, they are amazing and give great financial advice.
Lsa. Grg
Lsa. Grg
16:51 09 Sep 19
We worked with Liaget for couple of services; from mortgage application to life insurance. His expert advice and strong follow up helped us to get all services on time in full. We were able to get our mortgage approved almost only after 1 month in Amsterdam. It was not a typical application but still he handled very carefully and professionally. Would recommend his services to others as well.
09:23 13 Aug 19

Contact us

For more information or advice about personal loans.

Call me backSend me an e-mail

Why do expats

choose us?

  • Full support in English
  • Personal & Responsive
  • Wide-range of products and services
  • Guidance throughout the whole process
  • High flexibility

On a mission to buy a house in the Netherlands? Let us help you get the keys to your new home!


Reduce financial risks and get the support that you need. Getting the right insurance now may save you a lot of money in the future.

Health Insurances

Health Insurance is mandatory in the Netherlands, but you have a choice of numerous insurers all offering different packages and for different prices.

Consumer Loans

Renovating your home or looking to buy a new car? The right financing can be just a few steps away!