Personal loan in the Netherlands

A personal loan can be a great way to create extra financial capacity. You can use a consumer loan for many purposes, such as to renovate your home, buy household appliances or buy a car. Whether you’re interested in knowing if you can save money on your current personal loan, you want to apply for a loan or you just want a second opinion on interest rates, we are here to help you out.

Borrowing money in the Netherlands – how does it work?


First things first, what is a personal loan? Simply put, a personal loan in The Netherlands is a type of consumer credit that has monthly instalments, interest and a fixed term. Mostly, the loan is directly paid out to you as the borrower through a single payment. This form of lending provides the necessary certainty. This is because the amount of money you have to pay off the loan every month, is laid down beforehand.

Interest on a consumer loan


When taking out a loan in the Netherlands it is very important to pay attention to the interest rate you will have to pay. The higher the interest rate, the more expensive your loan will be. The monthly instalments are made up of a repayment and the interest payment and will be fixed throughout the term of the loan.

Applying for a personal loan

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: I, II, III, IV, V.


If you meet the foregoing criteria, you are ready to apply for your consumer loan.

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! Check out all information about applying for an expat mortgage or expat insurance here. 

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