Loans Netherlands

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.

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.

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.

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.

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?

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.

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.

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.

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.

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.

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.

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.