Pay attention! Borrowing money, costs money


Personal loan

  • Characteristics
  • Cost
  • Conditions
  • How does it work

What is a personal loan?

A personal loan is a maturing loan. You will receive the money in your account in one go. You pay a fixed amount every month. With a personal loan, you know in advance exactly how much you borrow and when you have repaid the loan in full. A personal loan offers a solution if you need a large amount once, for example for the purchase of a new car.

When must the personal loan be repaid?

You must have repaid the loan before you are 74 years old.

How much can you borrow?

You can borrow a minimum of $ 5,000 and a maximum of $ 75,000. The amount for a personal loan depends on your income, your expenses and your personal situation.

How long do you pay back?

The term of the personal loan is a minimum of 6 and a maximum of 120 months. We agree with you how long you want to repay. For example, if you intend to drive a car for 5 years, you do not want to repay for longer than 5 years.

After death

If you (or your partner) unexpectedly die, the loan will not be forgiven.


The interest is fixed during the term and therefore does not change. You know in advance exactly what the term of the loan is and when you have repaid the loan. See also the overview of the interest rates.

How do you pay back?

A current account with a Dutch banking institution is required for payment of your loan and for the collection of the monthly installments due. You pay a fixed amount every month by direct debit. This amount consists partly of interest and partly of repayment (redemption). Withdrawals are not possible.

Are there costs if you pay back more?

You can repay the personal loan partially or completely without penalty

Do you have to pay closing or administration costs?

No, you do not owe such costs.

European standard information on consumer credit

When you borrow money, it is important that you are well informed. So that you know which obligations and risks are associated with borrowing money. And so that you choose the loan that best suits your situation and your loan goal.

European standard information

Findio uses, among other things, the ESIC to properly inform you about your Personal loan. This abbreviation stands for European standard information on consumer credit. The ESIC is legally required information about the loan that Findio must give to clients. In this way it is possible for you to assess and compare various credit offers in a clear manner. You will receive the ESIC from Findio with the quote for your personal loan.

Terms and Conditions

Check here the terms personal loan.

Credit Registration Office

Lenders are affiliated with the Credit Registration Office in Tiel, in short 'BKR'. When you make a loan application, the lender will consult the BKR. If the application is not accepted on the basis of this information, you will be notified. After the credit agreement has been concluded, the loan is registered with the Credit Registration Office. If you are more than 60 days behind with payment, the lender will report this to the BKR.

Is the interest deductible?

The interest is deductible from your income for tax purposes if you demonstrably use your Personal Loan for maintenance or improvement of your owner-occupied home.

Terms of acceptance

Each bank applies its own acceptance standards and conditions. To apply for a loan, you must at least meet the following conditions.

  • Your age is between 21 and 74 years old
  • You are employed (permanent or temporary employment)
  • You have income from a WAO / WIA benefit
  • You have income from (Pre) Pension or ANW benefit
  • Income at least $ 1,250 net per month
  • No BKR coding

You apply for your loan online.

You complete the application form online to apply for your loan. You can also indicate whether you wish to transfer existing loans.

Confirmation of your loan application.

You will be called within 24 hours to confirm your loan application and any additional necessary information will be discussed with you.

You will receive a no-obligation quote.

After receipt of your loan application, your application will be submitted to the banks without obligation. You will then be contacted to discuss your wishes and options and you will receive appropriate and free advice from us, after which we will send you the loan offer by e-mail or post.

Return the signed quotation.

If you wish to finalize the application for your loan, return the signed quotation, together with the requested documents.

The lender will assess your application.

On the basis of your application and the submitted documents, the lender will reassess your loan application on the basis of the documents you have submitted.

The money will be transferred to you.

As soon as the application for your loan has been definitively approved, the money will be transferred to your account and any loans that you wish to transfer will be paid off.

Calculate your personal loan

The total credit amount
Installment amount (per month)
Variable debit interest on an annual basis
Annual percentage rate
Duration of the credit agreement
Total amount to be paid by you

Your monthly costs are:

This calculation is a guideline and you cannot derive any rights from it. We assume the lowest interest that we can offer you. The exact interest depends on your personal circumstances and can vary. The minimum term is 6 months and the maximum term is 120 months. The maximum legal interest is 14%.

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