Trusted by many



Pay attention! Borrowing money, costs money

Save on your loan with Santander

Better conditions and a fixed low interest rate from 3.5% (fixed for up to 10 years)

Completely free of charge and without obligation
Request before 18:00 = receive the offer today
Take advantage now: from 3.5% fixed interest

Request a quote free of charge and take advantage of the historically low interest rate from 3.5%

Filling in the application form takes about 2 min.

The benefits of a Personal Loan with Snaploan Online

You want to borrow money as responsibly as possible. With a Personal Loan, the loan amount, the term and the interest are determined in advance. That is precisely why there are no surprises afterwards. It gives you the safety and security to borrow money as responsibly as possible.

  • Fixed low interest rate from 3.5% - Lowest in the Netherlands!
  • Borrow a fixed amount from € 5,000
  • Fixed term
  • Fixed installments
  • Always pay extra without penalty
  • Secure, responsible and affordable online closing

Transfer your Santander loan

You have a loan or credit with Santander at a fairly high interest rate. You can refinance your loan to save on monthly costs. Refinancing the loan not only gives you a new low interest rate, but also better conditions. You can always make extra repayments on the loan at any time, completely without penalty. Our working method differs from that of the major banks. In addition, we work together with 5 partner banks and our focus is only on consumer credit. That is why we can keep our interest rates a lot lower.

We are happy to show you exactly how much money you save by transferring your loan with Santander to us. Calculate your savings by indicating below the conditions under which you now have a loan with Santander.

Delete loan

Delete loan

You can {{(currentLoan.totalprice - newLoan.totalprice) | currency}}

You can {{(currentLoan.totalprice - otherLoan.totalprice) | currency}}

You can repay {{(currentLoan.period - otherLoan.period)}} months less

It seems that we cannot offer you a cheaper loan


View the comparison below with the cheapest alternative from one of our partners

Your current loan Our offer Our offer
Loan amount {{currentLoan.stillToPay | currency}} {{newLoan.stillToPay | currency}} {{otherLoan.stillToPay | currency}}
Monthly charge {{currentLoan.monthlyCosts | currency}} {{newLoan.monthlyCosts | currency}} {{otherLoan.monthlyCosts | currency}}
Duration {{currentLoan.period}} months {{newLoan.period}} months {{otherLoan.period}} months
Interest rate {{currentLoan.showRente}} {{newLoan.interest}} {{otherLoan.interest}}
Total amount to be paid {{currentLoan.totalprice | currency}} {{newLoan.totalprice | currency}} {{otherLoan.totalprice | currency}}
Request a quote without obligation Request a quote without obligation

How come we are cheaper than Santander?

Santander has a completely different working method with a lot of staff and overhead costs. Those costs are passed on in the interest rates of the loans. As an online credit broker we do not have these costs and our interest rates are lower .

Thanks to this method, we are always cheaper than the major banks, but also cheaper than Santander. In addition, we do not offer advice. People who take out a loan with us must already have some knowledge about and experience with borrowing money. That seems irresponsible, but in practice the opposite is the case. 98% of our customers are able to make monthly repayments flawlessly. So we do not have to charge costs for advice. We also offer a website that provides our customers with immediate clarity and comes with a realistic offer. As a result, our deductible for problem payments is low.

All in all, we can keep our interest low and offer you a loan more cheaply.

In the overview below, we have listed the interest rates of our partner banks and those of the traditional banks. This way you can see at a glance what the difference in interest rates is under different conditions.

Personal loan from Santander?

You can easily transfer your expensive personal loan with Santander to a new personal loan with us. We can easily take care of that for you. We will take care of the rest after receiving your request. This way you can take advantage of your new cheaper loan in the short term.

Revolving credit with Santander?

You have opted for the revolving credit because of the variable interest rate and the flexibility that this loan form offers you. But now that the interest rate is historically low, you would prefer a loan where you can fix this interest. If you transfer your credit to a personal loan, you immediately start benefiting from the fixed low monthly costs. Converting the loan form (revolving credit to a personal loan) is no problem at all.

Is the revolving credit still the most suitable loan form for you, but do you want a lower interest rate? Then you can transfer your current Santander credit to a new credit with us.

When the revolving credit is transferred, the old loan becomes and a new loan is taken out. You fill in your details on our online quotation form. We will send you by e-mail the offers from our partner banks with the revolving credits for which you are eligible. You will find all interest rates and conditions side by side in one clear overview, so that you can easily choose the revolving credit that best suits your needs. Finally, we will send you the quotation and your new conditions by email or post. In this way, the switch from Santander to the new lender is arranged smoothly but carefully for you.

Merge multiple loans

Do you have multiple loans with Santander and have you lost the overview? We can transfer the loans and merge them into one clear large loan.
The advantage is not only that you gain more insight, you will also pay less interest. The interest on a high loan amount is lower than the interest on small amounts.

Working method and conditions of Snaploan Online

After you have made a choice from one of the loan forms, fill in our online quotation request form . You hereby instruct us to request a quote from our partner banks without obligation and without additional costs. We will then request additional, confidential information from you via e-mail and Mijn Nederlandse Kredietmaatschappij (Mijn SNLO) that we need to complete the application.

Within a few hours of your application, you will receive a personal offer from our partner banks in one clear overview. This way you can compare interest rates, terms and conditions at a glance. This overview can also be found on your personal page in 'Mijn Nederlandse Kredietmaatschappij' (Mijn SNLO). You will receive the best offers, which you actually qualify for based on your data.

You select the partner bank of your choice and instruct us to draw up the contract for the selected loan. You can view and download this contract via email and My SNLO. You can then also digitally deliver / upload the signed and requested documents via this secure personal environment.

Make extra repayments? Always penalty-free!

You can always make extra repayments on the loan free of charge. No fine will be charged for this. You reduce the debt with these extra repayments. Do you have a financial windfall and can you repay the loan in full? That can also be done without penalty at any time.

Free online transfer service

Transferring your Santander loan or credit is simple and error-free via our online transfer service. You fill in your details and we will then arrange the rest, so that you will pay a low (er) interest. You do not pay any advice and closing costs .

Do you want to insure your loan in the event of death? Then take out life insurance together with your loan.

Insight with My Snaploan Online

To keep the application process as short as possible, we will create a personal page for you on My Dutch Credit Company. In this way you can upload your data and follow the application process in a personal and secure digital environment.

Request a free quote

Do you have questions?
Our team has the answers.

If you want to borrow money, you probably also have questions. For example, which loan suits your loan goal or how we work. That is why we have collected the most frequently asked questions, important concepts and loan goals for you.

Current interest rates

Request a quote without obligation