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Buying a car on credit

Buy a car with a loan from 3.5% fixed interest

Buying a car on installment often involves high interest rates, up to a maximum of 14%. Financing a car through the well-known slogan ' Buy now, pay later' , is therefore an expensive form of borrowing money . With our Personal Loan you can buy a car now and pay it off monthly at a fixed interest rate from 3.5%.

Personal loan for a car

There is a cheaper alternative than standard installment purchase. When you opt for a personal loan, you have the advantage of a low interest rate and the option of paying extra without penalty so that you have paid off the loan earlier.

The life of a car is on average about 5 to 6 years. It is therefore wise to take out a loan with the same term as the expected life of 5 to 6 years. Your loan is then repaid, at the same time as your car is (economically) written off.

With a Personal Loan

  • You can borrow a fixed amount for the car once
  • You borrow the money for a predetermined term and repay a monthly amount
  • If you pay a fixed interest from 3.5% on the borrowed money, this amount is included in the monthly installment
  • You can always make extra repayments without penalty so that you have paid off the loan earlier

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Did you know that?


About 30% of all people who borrow money borrow this amount for the purchase of a new or used car or for a major repair to their car.

Would you also like more information about financing a car ? Or request your quote directly .

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New car on installment

When you want to buy a new car, you are faced with the question: borrow or lease ? When you borrow an amount of money to buy a car, you immediately own the car . This has the advantage that you yourself can influence the term. You can decide at any time to exchange, sell or repair the car.

This is important when you are considering buying a home. When you have a personal loan, you can immediately sell your car and repay your loan debt, without penalty. There is no monthly commitment left. This offers you the opportunity to buy your dream home. This is a lot more complex with a lease contract.

Second-hand car on payment

Are you looking for a used car? Even then it is wise to look at the possibilities of a personal loan.

You can find out what you can borrow and what it will cost from your lazy chair, at a time of your choosing. You will then be well prepared when choosing your new used car. You do not have to discuss your financing options in the middle of the showroom of the car dealer, but you have already arranged this. Safe and anonymous, from your own home. So that you are well prepared, you know what your budget is and you can concentrate on the right choice and negotiation.

Via Snaploan Online you can calculate your maximum loan amount online using our calculation tool . The only thing you need to think about in the showroom is which extra options you want in your car.

Is the car of your choice ultimately cheaper than the amount you borrowed? Then you can immediately repay the remaining amount without penalty and immediately reduce your monthly costs and the total costs of your loan.

0% interest at car dealers abolished

Since 2016 it is no longer possible to take out a car loan at 0% interest . The Netherlands Authority for the Financial Markets (AFM) has urged this, because the interest rate offer of 0%, which car importers advertised with, created the misguided illusion that you as a customer could make use of a deferred payment option, without additional monthly repayments.

Buy on installment without BKR registration

From a legal point of view, it is not possible to buy on installment without BKR registration. All loans and credits are tested at the BKR. This is not necessarily bad for you. The test may also show that you are a loyal and good payer. If this is the case, you will receive a positive BKR registration, which helps in obtaining a loan.

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Our cheapest banks

View the interest rates of our partner banks compared to the interest rates of the traditional large banks.

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