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Personal Loan 65+

Borrowing with fixed term and interest for people over 65

A loan with a fixed term and interest. Especially for people over 65 who want to borrow with as little risk as possible. Including remission in the event of death. The Personal Loan 65+ is paid out in one go. Handy if you borrow for a specific purpose such as a camper, car or home modification.

Personal loan for Seniors

New from May 2019: Personal Loan specifically for seniors up to 78 years .

In May 2019, our partner bank PNB Paribas launched the Most Personal Sr. Loan launched. This Personal Loan for Dutch consumers is specifically intended for people aged 60 and older who want to finance a larger expenditure in an affordable way. Popular loan goals are a camper, the renovation of the home or lowering the monthly costs of existing loans (through loan transfer ). This consumer credit can be applied for between the ages of 60 and 74 and must be repaid before the 78th birthday.

Why a loan specifically for seniors?

The Most Personal Sr. Loan (or 'Personal loan Sr.') specifically targets consumers between the ages of 60 and 74. In this way BNP Paribas meets the need of the elderly for consumer credit with good conditions. Until now, the options for this target group were very limited. After all, the chance that an older person dies before the loan is paid off was greater than for younger people. A logical reason for the banks to be cautious. However, practice has now shown otherwise. We live longer and remain vital for much longer through an improved, more active lifestyle and dynamic medical-technical developments. In 2030, the growing group of over-60s will make up almost a quarter of the Dutch population. This generation of 'baby boomers' wants to enjoy their retirement for a long time to come and are often more wealthy than younger generations. Viewed from the perspective of the banks, seniors are therefore now an attractive sales market for consumer credit.

Longer life: longer duration, lower monthly costs

By living longer than before, seniors at the Most Personal Sr. Loan use a much longer term. This keeps the monthly costs affordable. An interesting development for those who need new financing, but also in the case of transferring existing loan (s) to one affordable loan. Reinier van Fulpen, General Manager at BNP Paribas Personal Finance explains: 'This Most Personal Sr. loan is ideal as additional financing for an active life in old age. BNP Paribas is one of the first loan providers to specifically serve the over-60s market. The French bank wants to end the (usually) exclusion of seniors when taking out a Personal Loan.

Most personal Sr. Loan first part of a series of loans for specific target groups

PNB Paribas has been offering a number of special loans for specific target groups since 2018, under the name of Personal Loans. The Most Personal Sr. Loan is the first product of this series of consumer credits .

Also something for you?

Do you want to know how a Most Personal Sr. Unpack a loan for you? Request a quote easily and without obligation. We immediately list the options in one overview.

Tax-deductible

In some cases tax deductible.

Debt-free before your 75th birthday

Your loan is automatically phased out.

Especially for people over 65

Loan especially for people over 65 years old.

Remission of up to € 12,500 upon death

No debts for next of kin.

Repay penalty free

A Personal Loan can always be repaid without penalty.

Fixed interest from 4.7%

Optimal security with a fixed interest rate and fixed term.

Fixed monthly charges

You always know where you stand.

Fixed term

You know in advance exactly when you will pay off the loan.

Borrow a one-time fixed amount

Ideal for a large purchase.

Risk-free borrowing from € 5,000 to € 50,000

Enjoy your loan without any worries.

No closing and advice costs

Borrow money cheaply online without advice.

Your situation

Does a personal loan suit your situation? Check it out here .

Is a Personal Loan 65+ right for you?

A Personal Loan 65+ is suitable for people who:

  • want certainty;
  • are between 65 and 74 years old *;
  • borrow money for a specific purpose such as a camper, renovation or car.

* Are you between 60 and 65 years old? Then you can borrow money with a Revolving Credit 60+ .

This is how a Personal Loan 65+ works

With a Personal Loan 65+ you borrow a specific amount at a fixed interest rate and term. The loan amount is deposited into your account in one go. This way you have direct access to your money. After that, you pay a fixed amount in repayment and interest every month. You and the bank determine in advance within how many months you will pay off the loan. Extra or faster repayments in between is often also possible and free of charge.

Costs Personal Loan 65+

The exact costs depend on your personal situation. Borrowing money, for example, is often cheaper if you have your own home. Your age and loan purpose also influence. Because if you borrow money for a renovation or home debt, the interest is often tax deductible. Go to ' calculate your interest ' and find out which interest applies to your situation.

Term Personal Loan 65+

You determine in advance, together with the bank, within how many months you will pay off the loan. This way you know exactly where you stand. The term varies from 6 to 120 months. But the loan must in any case be repaid before your 75th birthday. Do you have a financial windfall in the meantime and do you want to pay off the loan faster? This is always possible and is often completely free of charge.

loan goals

Loan purposes

debt repayment debt repayment

Borrowing money with debt may be difficult, but not impossible. Sometimes a loan is a smart move. For example, if you can refinance your current loan at a lower interest rate or when you refinance several loans in one convenient loan.

Pay off loan for debt
caravan caravan

Buying a caravan is a big expense. But not everyone has such a large amount in the bank. Then a loan is a good alternative.

Loan for a caravan
residual debt residual debt

You can co-finance the residual debt with your new mortgage or via a consumer credit. The term of a mortgage is longer than that of a loan: you pay off the amount of residual debt through a mortgage for longer than through borrowing money.

Loan for residual debt



All loan purposes

Current interest rates

Request a quote without obligation
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