Borrowing Money
Borrowing money through Pricewise is reliable. With us you compare 14 providers, on interest and conditions. Take out a new loan or transfer your current loan. With us you will find a loan with the best conditions and the lowest interest rate for you. Read on for all the important information about borrowing money. This allows you to apply for a loan easily and directly.
Borrow money online via Pricewise
You don't borrow money every day. And of course, you don't want to pay more for a loan than necessary. You can apply for a loan for various purposes. For example, for a new car or the renovation of your house. Whatever reason you have, we compare different lenders for you. We look at the interest rate and the conditions, so that you can find the best and cheapest loan.
Why compare loans?
There are many lenders with whom you can take out a loan. The amount of the loan amount and the interest rate depend on several factors. As a result, the costs for a loan vary widely. By comparing loans, you will discover where you can find the lowest interest rate and be sure that you have the best conditions. Do you already have a loan? Even then it is good to compare. Take a look at our loan refinancing page. There is a good chance that you will find a lower interest rate with another lender. We are happy to help you compare both a new and a current loan.
100% independent loan comparison
With us you compare loans 100% independently. This means that no lender tells us how to do our work. For approved/closed loans, we receive a fee from the lenders. The commission received never affects the ranking. This means that the advice that comes at the top is really the most appropriate advice, based on your data and wishes and not on the fee we receive from lenders.
How does borrowing money work?
Do you want to borrow money quickly without hassle? Then start comparing loans. We ask you concrete questions about your borrowing goal and personal situation. Have you found the loan that suits you best? Then you can submit an application. You will then receive a no-obligation quote. Return the quote and documents signed. The lender checks the offer. Is your application approved? Then you will receive the amount in your account within one to two working days. Note: borrowing money costs money.
Types of loans
There are two types of loans: the personal loan and the revolving credit. Below we explain what these loans entail.
Personal loan
The loan form personal loan is sufficient if you want to make a certain large expense and know exactly how much money you need for this. With this loan, you get the loan amount in one go. The interest rate and the term of the personal loan are fixed. Would you like to know more about this form of loan? Read our page about the personal loan.
Revolving credit
The revolving credit is a flexible loan, without a fixed term. You can always withdraw money up to the agreed credit limit. You pay interest on the amount you have withdrawn at that time. Would you like to know more about this form of loan? Read our page about revolving credit.
With us, you compare personal loans. Lenders in the Netherlands no longer offer revolving credit. It is therefore not possible to take out a new revolving credit.
Borrowing money interest
Borrowing money costs money. This means that you pay interest on the loan amount. The interest depends on the lender, the loan goal, the loan amount, the amount you repay per month and in how many months you want to repay the amount how high the interest rate is. Do you want a loan with a low interest rate? By comparing loans, you will find out which lender offers the lowest interest rate and whether the interest is deductible. The interest rate determines the additional cost of the loan. Borrowing money without paying interest is possible in some cases. This seems cheaper than a loan on which you pay interest. This is often not the case. For example, an interest-free loan may be interest-free for a certain period of time, but it will cost more money over time.
How much money can you borrow?
It depends on your personal situation how much money you can borrow. The amount of the loan depends on your living situation, family composition, income, expenses and employment. It is also always checked whether you have a Credit Registration Office (BKR). We do not do that BKR check ourselves. This is carried out by the provider where you want to take out the loan. If this check shows that you have a BKR registration, in most cases you cannot borrow anything.
How can I borrow money quickly?
Do you urgently need a small sum for an unexpected expense? Our comparator will help you find the most suitable loan. Before you can take out a loan, we will send your details to the lender. If everything is in order, the money will be in your account within a few working days.
Pricewise's focus is on providing reliable and transparent advice, so that you can make an informed choice about borrowing money. Borrowing money that is in your account within 1 hour or borrowing 50 euros within 10 minutes is therefore not an option. Borrowing money quickly can be convenient, but it also involves risks. Make sure you understand the terms and conditions, check the interest rate and any additional fees, and assess your repayment capacity before taking out a loan. Of course, you don't want to get into trouble!
Do you already have a loan?
Do you already have a loan? Through us you can check whether this loan can be cheaper. Have you come across a loan with a lower interest rate? Then you can transfer your current loan to a new loan. Do you have multiple loans? Then it may be interesting to transfer it to one loan. With one loan, you may pay less interest than if you have multiple loans.
Need help taking out a loan?
When choosing a loan, your personal situation and wishes are important. It is therefore important that you fill in this information as completely as possible. Can't quite figure it out? Take a look at the frequently asked loan questions. We are happy to help.
Rates
You don't borrow money every day. We understand that it can be difficult. That is why we have listed the interest rates of a personal loan for you below. We have also made an example calculation. The minimum term for a loan through Pricewise is 6 months and the maximum term is 180 months. The interest rate ranges from 7% to 12%.
Cheapest loans
Of course you want to borrow money at the lowest possible interest rates. In the table below you can see the lowest interest rates based on a loan amount of € 25,000 and a term of 60 months.
Loan providers and their interest rates| Provider | Loan form | Interest rate |
|---|
| 1. GreenLoans Verduurzaming | Personal loan | 6,10% |
| 2. LloydsBank | Personal loan | 7,20% |
| 3. Freo | Personal loan | 7,40% |
| 4. LenderSpender | Personal loan | 7,50% |
| 5. DefamPremium | Personal loan | 7,60% |
| 6. Defam | Personal loan | 7,90% |
Personal loan
Interest rates for different loan amounts| Interest rates for a loan amount of: | €5,000 | €25,000 | €50,000 |
|---|
| Minimum pension | 8.80% | 7.20% | 7.40% |
| Minimum duration (months) | 6 | 6 | 6 |
| Maximum Term (Months) | 120 | 180 | 180 |
Sample Account
Interest, term, and total amount per loan| Total loan amount of: | €5,000 | €25,000 | €50,000 |
|---|
| Interest | 9% | 8% | 7% |
| Duration (months) | 60 | 60 | 60 |
| Total loan amount | €6.176 | €30.215 | €59.100 |
Explanation
In the example calculation above, we have chosen a term of 60 months. You can choose a minimum term of 6 months and a maximum term of 180 months.
Over Pricewise
Pricewise believes that every Dutch person deserves the best deal for energy, insurance, loans and internet and TV and calling. That is why Pricewise wakes everyone up, wisers and together we put the market on edge.
What does Pricewise do for you as a consumer?
At Pricewise you can compare and apply for loans. If we need additional information, one of our loan coaches will contact you. They will discuss these with you, so that we have a complete profile of you. We will then forward your application to the lender. Our loan coaches are ready to help you as best we can.
In the background, we are constantly working on the development and improvement of our website and software. To let you compare the market even more transparently.
What does Pricewise earn from?
For loans, we receive a fee from the credit providers. Our services for customers are free of charge. Pricewise receives an ongoing fee on the amount of the outstanding amount. We have no incentive to choose one credit provider over another.
How is the comparison made?
If you use our comparator, the loan with the lowest interest rate and best conditions comes out on top.
How complete is the equation?
Pricewise strives for completeness. At the moment we do not yet have a cooperation with all credit companies. We do show these loans in our overview. Is the request button green? Then you can take out the loan through us. Is the request button greyed out? Then you can do this with the credit provider itself.