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Can I take out a loan with benefits?

Frequently asked questions about income

Taking out a loan with benefits can be difficult. Before providing a loan, lenders look at the stability of the borrower's income. A stable income is not always certain with a benefit and that does not make taking out a loan with benefit.

The more stable the payment, the greater the chance that a loan with payment is possible. For taking out a loan with benefits, it is very important that the benefit is paid out in full during the entire term of the loan and that the income from, for example, a disability benefit remains the same. People with an AOW, WAO, WIA or ANW benefit can therefore often take out a loan. The income of benefit recipients who are no longer reassessed, lenders often include 100% in the calculation of a loan with benefits. In other cases, a maximum of 70% of the benefit is included. People with unemployment benefits or unemployment benefits usually do not receive a loan, because they are already on the subsistence level. Do you have a partner with a fixed income? Then there are often more options for a loan with benefits.

Do you receive benefits and are you curious about whether you can take out a loan? Request a quote without obligation and you will hear within one working day whether you can take out a loan with a payment through the Dutch Credit Company. If this is the case, you will also receive quotes from our partners with an offer based on your specific situation.

Are you looking for a suitable loan, but are you not yet sure which loan is best for you? Use our loan wiser to find a suitable loan that is adjusted to your needs.


You can also directly specify the desired loan amount and request a quote for your loan completely free of charge and without obligation:


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