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Frequently Asked Questions

  • Can I also take out a revolving credit from Rabobank?

    It is not possible to take out a revolving credit with Rabobank via the Nederlandse Kredietmaatschappij. Instead of Rabobank, we work together with specialized banks for the provision of revolving credit: InterBank , Defam and De Nederlandse Voorschotbank . In contrast to Rabobank, these banks specialize in granting credit such as revolving credit. In addition, these banks work exclusively through professional intermediaries such as the Nederlandse Kredietmaatschappij, which means that they have much less marketing, office and personnel costs than banks such as Rabobank. A revolving credit through one of these banks is therefore always cheaper than with Rabobank.

    Thanks to our digital working method , the shared professional knowledge and because our systems and those of our partners are seamlessly connected to each other, we process your application for revolving credit completely flawlessly and faster than Rabobank. Unlike Rabobank, you will receive an overview of the offers for a revolving credit from our partners within one working day and you have access to the revolving credit two working days after returning the contract. In addition, we distinguish ourselves from Rabobank because we mediate without advice with a revolving credit, which means that the costs for taking out revolving credit are lower with us than with Rabobank. Go to revolving credit for more information about our credit product or click on the link for more information about how we work .

  • Can I also take out a personal loan from ABN AMRO?

    It is not possible to take out a personal loan with ABN AMRO through the Nederlandse Kredietmaatschappij. You can take out a personal loan through us with Defam , a 100% subsidiary of ABN AMRO. A personal loan with Defam is always cheaper than a personal loan with ABN AMRO. The biggest difference between a personal loan with Defam or ABN AMRO is the cost structure. Defam only works with professional credit intermediaries such as the Nederlandse Kredietmaatschappij, which means that, unlike ABN AMRO, they have much lower costs and can switch more quickly. In addition, the subsidiary Defam is a specialist in the provision of consumer credit such as the personal loan, while ABN AMRO offers a wide range of products. Thanks to the low costs and their specialism, a personal loan via Defam is always cheaper than via ABN AMRO.

    In addition to Defam, ABN AMRO's subsidiary, we also work with InterBank and De Nederlandse Voorschotbank to take out a personal loan. Like Defam, these banks work exclusively through specialized intermediaries, which means they can offer competitive prices compared to banks such as ABN AMRO. Click on the link for more information about taking out a personal loan through the Dutch Credit Company or request a quote without obligation .

  • Can I also take out an ING loan?

    No, it is not possible to take out a loan with ING through the Dutch Credit Company. Instead of collaborating with ING for lending, we work together with InterBank, Defam and De Nederlandse Voorschotbank. These banks specialize in providing consumer credit and, unlike ING, work exclusively through professional intermediaries such as the Nederlandse Kredietmaatschappij. Thanks to the good cooperation and our shared specialism, a loan through these banks is always cheaper than a credit with ING.

    Because our system fits in perfectly with the systems of these banks and we work completely digitally , we can process your application for a credit faster than ING. Unlike ING, you will receive a quote for your credit application within one working day and the credit will be in your account two working days after the return of the contract. In addition, we mediate without advice, which means that the costs for taking out a loan are lower than at ING. See working method for more information about our credit application procedure.

  • Can I also take out a revolving credit from ABN AMRO?

    At Snaploan Online we do not broker revolving credit with ABN AMRO. It is possible to take out a revolving credit through us with the 100% subsidiary of ABN AMRO: Defam. All ABN AMRO subsidiaries are specialized in a specific market segment, which means that they work more efficiently, pool expertise and can offer you a cheaper offer than parent company ABN AMRO. Defam is the ABN AMRO subsidiary specialized in providing credit to private individuals, such as revolving credit. In addition, Defam, unlike ABN AMRO, only works with professional intermediaries such as Snaploan Online for the provision of revolving credit. As a result, their fixed costs for marketing, personnel and housing are lower and a revolving credit with Defam is cheaper than with ABN AMRO.

    The Nederlandse Kredietmaatschappij mediates without advice and works 100% digitally. This allows us, in collaboration with our partners, to make you an even more competitive offer for revolving credit than banks like ABN AMRO. After your credit application, you will receive quotes for revolving credit from our partners within one working day and you will have access to your revolving credit within two working days after returning the contract. For more information, see revolving credit or request a quote without obligation .

  • Can I also take out a revolving credit from the FREO?

    You cannot take out revolving credit with FREO via Snaploan Online. Instead of FREO, we work together with three specialized banks to take out revolving credit : Defam, De Nederlandse Voorschotbank and InterBank. The advantages of a revolving credit with one of our partners instead of with FREO are: fast service thanks to the digital processing process , more than 20 years of experience in providing revolving credit and thanks to lower fixed costs, the offer of our partners is cheaper than the offer from lenders like FREO.

    Our partners specialize in providing consumer credit such as revolving credit and, unlike FREO, only work with renowned intermediaries such as Snaploan Online. As a result, personnel, marketing and office costs are lower than with FREO. Moreover, we mediate without advice, which makes it cheaper to take out revolving credit with us than with FREO. Thanks to our cooperation with three different lenders, the chance that a revolving credit will be accepted with us is higher than with FREO. Providers such as FREO have their own revolving credit commitment policies. We distinguish ourselves from FREO by making you different offers in one quotation, on the basis of which you can choose the most favorable offer for revolving credit.

  • Can I also borrow money from Rabobank through Snaploan Online?

    For borrowing money, we work together with InterBank, Defam and De Nederlandse Voorschotbank, instead of with Rabobank. It is not possible to borrow money from Rabobank through us. For borrowing money, our partners work exclusively with professional intermediaries such as the Nederlandse Kredietmaatschappij. This collaboration results in lower personnel, marketing and office costs than at Rabobank, so that our partners can make you a more competitive offer for borrowing money than Rabobank. In addition, we mediate without advice, which means that borrowing money through us is cheaper than at Rabobank.

    While Rabobank is a widely operating financial services provider, our partners are specialized in providing consumer credit. Thanks to our shared specialism and because our system is precisely tailored to the systems of our partners, we can process your request for borrowing money more quickly compared to Rabobank. In contrast to Rabobank, you will receive quotes from our partners within one working day and you will have access to the credit within two working days after returning the loan agreement. View our loans or request a quote without obligation.

  • Can I increase my credit at Rabobank?

    It is not possible to increase your credit with Rabobank through the Dutch Credit Company. Instead of increasing your credit, it is possible to transfer your loan from Rabobank to a cheaper loan free of charge. This way you can save a lot of money and increase your credit in the new loan.

    A loan through one of our partners (Defam, De Nederlandse Voorschotbank, InterBank) is cheaper than a loan through Rabobank, because, unlike Rabobank, our partners only work with specialized intermediaries such as the Dutch Credit Company. In addition, we do not charge any closing and advice costs, which is the case at Rabobank. Are you curious how much you can save? Request a quote without obligation.

    If you choose to transfer your credit from Rabobank through us and then wish to increase your credit in the interim, you can. For this you can submit a request through us to increase your credit.

  • Is it wise to take out an IKEA loan?

    Since 2012, Ikea customers can use the Ikea Purchase installment scheme for their purchases. Ikea is offering the loan in collaboration with Ikano Bank, which, like the furniture company, is owned by the Kamprad family. The loan with Ikea can be taken out online (the Ikea payment service) or directly in a branch (the Ikea family payment card). This sounds attractive, but it does come with a price tag. For an Ikea loan you pay no less than an interest of 13% on an annual basis.

    Cheaper alternatives to the Ikea loan are the revolving credit and the personal loan. You can already take out a revolving credit with a minimum interest rate of 3.5% and a personal loan with a minimum interest rate of 3.5% through the Dutch Credit Company. Go to the loan guide and discover which loan suits you best or request a quote without obligation and receive a tailor-made offer within one working day.

    Update: Ikea Netherlands has stopped buying on installment.

  • Is it wise to borrow through Kruidvat?

    Since 2010 you can borrow up to € 50,000 via Kruidvat. Kruidvat works with the Spanish bank Santander to borrow money. However, before you decide to borrow through Kruidvat, it is wise to compare the offer of various providers. This can save you a lot of money in the end.

    In contrast to Kruidvat, we are a specialized broker for consumer loans. Where you can only borrow from Santander through Kruidvat, we work together with three lenders, namely: Defam, InterBank and the Dutch Voorschotbank. This gives you the opportunity, unlike with Kruidvat, to compare the offer of different lenders and choose the best option. Instead of with Kruidvat, our partners only work with qualified intermediaries such as the Nederlandse Kredietmaatschappij.

    In addition to our shared specialism, you can borrow cheaper through us than through Kruidvat. Thanks to the collaboration with our partners, the personnel, office and marketing costs of our partners are lower than at banks like Santander and this translates into a more competitive offer. Click on the links for more information about our lowest interest rates , our loan products or request a quote without obligation.

  • When is a monthly installment first collected?

    InterBank and De Nederlandse Voorschotbank
    Have you taken out a Revolving Credit; after an amount has been paid out or withdrawn from your revolving credit, the first installment will be debited the following month. Payments are automatically made on the 25th of the month by InterBank and the Nederlandse Voorschotbank. If you want the monthly installment of your revolving credit to be debited on a different day, there are two alternatives in addition to the 25th: the 18th or the penultimate working day of the month.

    Have you taken out a personal loan: with a personal loan, the first installment is written off exactly one month after it has been paid. If you want the monthly installment of your personal loan to be collected on a different day, you can do this on any random day of the month.

    With both a revolving credit and a personal loan, it is possible to adjust the collection date to the aforementioned options. You can email this request to [email protected] and we will arrange it for you directly at InterBank or De Nederlandse Voorschotbank.

    Defam
    If you have taken out a revolving credit before the 15th of the month: the first installment will then be debited on the last working day of the same month.

    If you have taken out a revolving credit after the 15th of the month: the first installment will then be debited on the last working day of the following month.

    If you have taken out a personal loan before the 15th of the month: the first installment will then be written off on the 15th of the following month.

    If you have taken out a personal loan after the 15th of the month: the first installment will then be debited on the last working day of the following month.

    It is possible to adjust the collection date for both a revolving credit and a personal loan. You can mail a request to [email protected] and we will arrange it for you directly at Defam.

    Nationale Nederlanden Bank
    Have you taken out a revolving credit; the first installment will then be debited on the 28th of the next month.

    It is possible to adjust this collection date. You can send a request for this to [email protected] and we will arrange it for you directly at Nationale Nederlanden Bank.

  • What are the conditions?

    You can find the conditions of the banks we work with here .

  • Which banks do you work with?

    We work with Nationale Nederlanden, InterBank, Qander , BNP Paribas, DEFAM and Lender & Spender. All our partners comply with financial laws and regulations and are registered with the AFM and DNB. They are professional banks with years of experience in lending money to private individuals. Just like us, borrowing money responsibly is central to our partners.

  • What amount can I borrow through GreenLoans?

    You can borrow an amount between € 5,000 and € 50,000 via GreenLoans for your sustainable investment. Do you want to borrow more money? Then that is of course also possible, you can request a loan from us for the desired amount. You can then borrow the amount that exceeds € 50,000 through another bank.

  • How do I apply for a GreenLoans loan?

    You can submit a no-obligation quote request to us for a Personal Loan. Within a few hours you will receive an overview of the offer by e-mail and in your personal My SNLO environment.

    We show you the range of 5 sofas in one overview. When you are eligible for a loan from GreenLoans, you will see this in the overview.

  • What is the term of a loan through GreenLoans?

    The term of the loan is a minimum of 5 years and a maximum of 15 years. Match the term of your loan to the investment you want to make.

  • Is the interest on a green loan deductible?

    The interest on a green loan through GreenLoans is deductible in almost all cases because you borrow money for the renovation of your own owner-occupied home. Think of solar panels, heat pump or insulation. Calculate the interest with tax benefit here .

  • When am I eligible for a GreenLoans loan?

    The minimum conditions you must meet are:

    • You have a home for sale.
    • You are 21 or older and younger than 70 years old.
    • You have a fixed income that does not consist of self-employment or self-employed, for example:
    1. Permanent employment
    2. One year contract
    3. Pension / AOW
    4. A WAO / IVA benefit
    • You live in the Netherlands.
    • You use the loan for energy-generating and saving systems.
  • Can I also take out a GreenLoans loan as a self-employed person?

    No. As a self-employed person or self-employed person you cannot take out a GreenLoans loan. You must be employed to be eligible.

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