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Loans Netherlands

Compare the most complete range and save € 783! Compare the most complete range of loans and save an average of € 783.
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Most complete offeringAssured of the best choice
Quality mark Compare Objectively100% independent comparison
Responsible lendingAll parties have an AFM permit

How to get the best loan in 5 steps

1. Enter your wishes and details

State your borrowing purpose/loan purpose and the amount you want to borrow. Then enter some information about yourself, including your date of birth and your family, living and work situation.

2. Compare all loans for you

Based on your needs and information, we show you the most complete range of loans in the Netherlands from which you can choose. In this loan comparison, the loan with the lowest interest rate is at the top.

3. Request a quote without obligation

Choose the best loan for you and easily request a no-obligation quote online. Here you will find all the details and conditions of the loan. You will usually receive this quote the same business day.

4. Sign the quotation and provide documents

Do you want to definitively apply for the loan? Then return the signed quotation, together with the documents requested by the lender. You can easily upload these documents into your personal online environment at Geld.nl.

5. Receive the money in your account

If the lender approves your application, you will receive the money in your account within two business days. So that can you achieve your intended purpose!

The most complete loan comparison in the Netherlands

Geld.nl offers you the most complete loan comparison in the Netherlands with 10 lenders. Compare the most complete range of loans, choose the best loan and save an average of € 783!

Cheapest loans at the moment

ProviderLoan amountLowest interestMonthly termTotal costs
ING € 2.50010,2%€ 53€ 3.169
Lender & Spender € 5.0009,1%€ 104€ 6.190
Lender & Spender € 10.0007,4%€ 199€ 11.926
Lloyds Bank € 25.0006,5%€ 487€ 29.219
Lloyds Bank € 50.0006,5%€ 974€ 58.437
Lender & Spender € 75.0006,6%€ 1.465€ 87.854

In this table you can find the cheapest loan at the moment for different loan amounts, to give you an indication of how much interest you pay for a loan. Do you want to know what the cheapest loan is for your borrowing purpose, desired loan amount and term? Then make a comparison immediately!

Frequently asked questions about borrowing money

Why should you compare your loan?

The costs for a loan vary enormously per lender. For example, the difference between the highest and lowest interest rates for a loan is easily 3 percent or more. This will save you a total of 800 euros in interest costs on a loan of 10,000 euros with a term of 5 years (60 months).

Because the conditions of the loans hardly differ, you save a lot of money by choosing the cheapest loan for your situation. So compare the different loans first before you apply for a loan. This way you will never pay too much unnecessarily.

What does a loan cost?

Borrowing money, costs money. The exact cost of a loan depends on the interest that you pay. When you compare borrowing money on Geld.nl, you can see exactly how much each loan costs per month and what the total costs of the loan are. In the article ‘Personal loan costs’ you can read more about how lenders determine the costs of borrowing money and how to keep your loan cheap.

Where can you borrow money cheaply?

The bank with the cheapest loan can always be a different one. Lenders often adjust their interest rates. In addition, the interest you pay depends on, for example, your loan amount and the term. Do you want to borrow money cheaply? Geld.nl offers you a tailor-made comparison. Enter your details and wishes in our loan comparison and you will receive a personal overview with the interest rates for your situation. So you can immediately see which lender has the cheapest loan for you.

Where can you easily borrow money?

It’s easy to borrow money, but it is important that you borrow safely and responsibly. That’s why you have to go through a number of steps on Geld.nl to ensure that you won’t get into financial problems. You first compare the different loans based on your personal information and wishes. This way you can easily choose a cheap loan that suits your situation. We also check whether the loan suits your financial situation. This is easier than you think and you usually have the money in your account within two business days. Read more about how applying for a loan works here.

What is the maximum/largest amount of money I can borrow

The maximum amount of money you can borrow depends on your income and how much you pay monthly in fixed costs. You must have enough money left every month to repay the loan. Your age also plays a role. For example, you often have to repay a senior loan in a shorter period, which means that the monthly costs are relatively high. This means you can often borrow slightly less at an older age.

Lenders all apply these rules to determine the maximum amount of money you can borrow. We have incorporated these rules into our calculation tool: how much can I borrow?

Can I borrow with a BKR registration?

Almost everyone in the Netherlands has a BKR registration. You already have a BKR registration if you have ever had a loan or credit card or bought a mobile phone on installment. A BKR registration is therefore no problem when taking out a loan. However, if you have (or have had) payment delays, that means you have a negative BKR registration. Borrowing money from a lender is not possible with such a registration. You can read more about this in the article Borrowing money with a negative BKR.

Why borrow money on Geld.nl?

Geld.nl is the loan comparison site in the Netherlands. You can compare the most complete range of lenders on Geld.nl. This way you can be sure that the best and cheapest loan for your personal situation is among them.

In addition, Geld.nl is a 100% independent comparison site and Geld.nl is audited by the AFM (Financial Markets Authority). This also means that Geld.nl has a WFT permit. The AFM checks whether we comply with all the rules laid down in this WFT and whether we meet all the transparency requirements. This way you can be sure that you always borrow money safely and responsibly at the lowest interest rate via Geld.nl.

Which form of borrowing money suits me?

You can choose from two types of loans on Geld.nl: a personal loan or a revolving credit.

A personal loan is almost always the best choice, especially if you know in advance exactly how much you want to borrow, for example with car financing. With this loan form, you will receive the loan amount in your account in one go. You then pay back a fixed amount of interest and repayment every month. This can give peace and security.

With a revolving credit, you agree on a credit limit with the lender. Up to that amount, you decide for the first two years how much money you withdraw and when you do so. After the first two years, you can only make repayments on the loan until you have repaid the loan amount in full.

Or find your answer on one of the pages below

Borrow money in the Netherlands

Borrowing money is an excellent solution if, for example, you want to make a large purchase, but you do not have enough savings available. You can then (partly) finance this major purchase, such as a car or a renovation of your house, with a loan. You are certainly not the only one in the Netherlands who borrows money. For example, did you know that:

  • In the third quarter of 2023, more than 7.6 million Dutch people had one or more ongoing loans. (source: BKR)
  • he Dutch are currently lending approximately 8.6 billion euros in total. (source: DNB)

It is of course important that you make a good, safe and responsible choice. This way you prevent you from paying an unnecessary amount for your loan and from getting into financial problems because of the loan.

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Why compare loans?

By comparing loans before you make a choice, you can easily save a lot of money. Your savings can amount to an average of 783 euros on your total loan.

The difference between the lowest and highest interest rates for a loan is easily 4 percent. It is therefore worthwhile to compare different loans. According to the Netherlands Authority for Consumers and Markets (ACM), you can quickly save hundreds of euros per year.

Geld.nl helps you with your comparison and making a good choice. We give you insight into the loans available to you and what you should pay attention to.

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Geld.nl and compare loans

Which lenders do we compare?

On Geld.nl you can compare loans from the most complete range of banks and lenders in the Netherlands. We strive to include all providers and products in our comparison, even if we do not have a partnership with the provider in question. In this overview you can see which lenders we include in the comparison and which we do not. If we do not show a lender, this is because the lender does not share data with us or because the lender no longer offers loans for new customers.

How do we make a profit?

You can compare your loan completely free on Geld.nl. We receive commission from the lender (an ongoing fee) if you take out a loan through Geld.nl. We receive this commission from the moment you receive the money in your account. The amount of the reimbursement varies per product and per provider.

If you use your loan to get life insurance, we will not receive any compensation from the insurer. You pay us a one-off fixed amount of 99 euros in order to get life insurance.

What do we do for/offer you?

We offer you a 100% independent comparison on Geld.nl. You compare the loans that are available for your situation and wishes. You can usually apply for the loan of your choice directly online on our website. Do you still need help during your comparison and/or application? Then our certified experts are ready to answer these questions.

The role of Geld.nl during the application process varies per lender. For some loans in the comparison you will see that the application is made via Geld.nl advisors. If you choose one of these loans, your application will be linked to one of Geld.nl's financial experts. He or she personally supervises the entire application process and is your permanent point of contact for questions about your loan.

Other lenders handle the application process themselves. From the moment you have requested a quote on our site, you can contact the lender with any questions. Once you have requested a quote, we will let you know who you can contact from then on.

How does our comparer work?

Before you can make a loan comparison, we first ask you to fill in some information about yourself and your desired loan. Based on this information, we then show you all the loans that are available for your situation and wishes.

You always see the cheapest loan, the loan with the lowest interest, at the top of your comparison. You can also sort the loans yourself by price/quality or the review score that (former) customers have given the lender. In addition, you can use the filters to adjust the comparison based on characteristics that you find important and adjust your loan amount, term or type of loan. This way you will always find the most suitable and most affordable loan for your situation and wishes.

7 tips for borrowing money from Geld.nl

We think it is important that you find a cheap loan, but above all that you choose a responsible loan. That is why we give you 7 useful tips, so that you have thought of everything to make a good and suitable choice.

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Borrow money cheaply by comparing your loan

Whether you want to borrow for a car or finance a renovation, you naturally want an affordable loan that suits your needs.

At Geld.nl we help you with this. You first enter some information about yourself and your wishes for your loan. We then show all loans that are available to you and that suit your needs. You can see the cheapest loan for your situation immediately at the top. You can then compare the loans based on conditions and customer reviews. This way you always make a good choice for your loan and never unnecessarily pay too much.

Get a loan! Choose the right loan form

You can choose from two types of loans on Geld.nl: a personal loan or a revolving credit.

A personal loan  is almost always the best choice. With this loan form, you will receive the loan amount in your account in one go. You then pay back a fixed amount of interest and repayment every month. That gives peace and security.

Width a revolving credit, you agree on a credit limit with the lender. Up to that amount, you decide for the first two years how much money you withdraw and when you do so. After the first two years, you can only make repayments on the loan until you have repaid the loan amount in full.

Borrow, choose the right term/duration

If you borrow money with a personal loan, you choose the term of your loan yourself. That is the number of months in which you repay the loan.

The longer the term, the lower your monthly costs. The amount you have to repay is spread over several months. But watch out! You also pay interest for longer. This means that your personal loan will ultimately be more expensive with a longer term. Therefore, choose the shortest possible term with a monthly payment that you can easily pay.

Compare loans, choose the best loan

The best loan is different for everyone. That's why you always make a tailor-made comparison on Geld.nl.

By entering information about yourself and your situation, you will see all loans that suit your situation. The cheapest loan with the lowest interest that suits your personal situation is at the top. Therefore, always check whether the lender of your choice has a license from the Netherlands Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB).

Additional repayments during the term

If you are going to borrow money, it is useful that you can repay part or all of the loan early.

With almost every loan you see on Geld.nl, you can make additional repayments for free during the term. You can read more about this in the article Repaying a loan early.

Attention! With the Santander personal loan  you do pay a fine if you repay more than your monthly amount.

Comparing borrowing money pays off! Check regularly whether transferring is useful.

Also check the current loan interest rates regularly during the term.

If interest rates drop, transferring your loan to a new loan may be interesting. Read more about transferring your loan on the Loan transfer page.

Need help comparing loans?

We have made comparing loans as easy as possible for you.

But maybe you still need some help or want more information. Our expert financial experts are happy to help you. Read here how to contact them.

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