Rates vary by provider and your profile. As of 2026, competitive Dutch personal loan rates start around 4-6% APR for well-qualified borrowers. Use Geld.nl or Independer to compare offers from multiple lenders. Banks like ING, Rabobank, and ABN AMRO offer personal loans, but online lenders like Freo often have lower rates.

In the Netherlands, any personal loan registered with BKR reduces the maximum mortgage you can get. The monthly loan payment is subtracted from your borrowing capacity. For example, a €300/month loan payment could reduce your maximum mortgage by €60,000-80,000. Consider repaying loans before applying for a mortgage.

Yes, but requirements may be stricter. Most lenders require a BSN, a Dutch bank account, a permanent employment contract, and at least 3 months of payslips. Some lenders are more expat-friendly than others. Having a BKR history (even positive) helps your application.

BKR (Bureau Krediet Registratie) is the Dutch credit registration bureau. All loans, credit cards, and phone contracts above a certain value are registered. Positive registration (paying on time) helps future applications. Negative registration (missed payments) can block new credit for 5 years. You can check your own BKR record for free at mijnbkr.nl.

Maximum amounts vary by lender and country. Most online lenders offer EUR 1,000 to EUR 50,000, while traditional banks may lend up to EUR 100,000 for well-qualified borrowers. The amount you can borrow depends on your income, existing debts, and credit history. EU consumer credit regulations (Consumer Credit Directive) require lenders to assess your ability to repay before approving any loan.

Digital lenders can approve and disburse funds within 24 hours in many cases. Traditional banks typically take 3 to 10 business days. Instant loan platforms may transfer money within minutes of approval, but often charge higher interest rates for the speed. If timing is not critical, comparing multiple offers over a few days usually results in a better rate.