Postal credit stands for responsible lending. We believe it is important that all possible relevant information is shown clearly and accessible on our website. Below you will find information and a number of attachments that may be important to you when considering whether to take out the right loan.
Do you pay costs for taking out a loan through CreditPostery?
The answer is simple, you pay no costs for taking out the loan. The CreditPostery service is free. You do of course pay interest on your loan to the bank where your loan is placed. Postal credit acts as an intermediary and you do NOT pay any closing or advisory fees for this. It is legally stipulated that CreditPostery may be rewarded in the form of a continuous commission paid directly to CreditPostery by the bank.
What does the Credit Registration Office do?
All banks with which we collaborate are affiliated with the Credit Registration Office (BKR) in Tiel. When you apply for a loan, the BKR is consulted by the banks. For example, it is checked whether you already have credit experience or not. It sometimes happens that you are not accepted by these banks based on this data. We will then inform you of this.
When you take out a loan, it is always registered with the Credit Registration Office. In addition, banks are required to report any arrears in payment of more than 90 days to the BKR.
Repay the loan
With the signing of the quotation you agree in advance on a monthly installment to be paid. This monthly installment will be debited from your payment account by direct debit. It is therefore mandatory to have a checking account with a Dutch bank. With a Personal loan, the monthly installment consists of a part interest and a part repayment.
European standard information on consumer credit
European standard information on consumer credit is available for this product. When you request a quote, you will also receive a personalized Endir. You can find an example of Endir here
Agreement Personal loan
Do you want to know what an agreement for Personal loan looks like? Then you can view it here
Terms and Conditions
View the General Terms and Conditions of the Personal Loan here
Post credit cooperates with the largest consumer credit banks in the Netherlands. These banks all use their own acceptance standards and conditions. To be eligible for a loan, you must at least meet the following conditions.
- You are employed (temporary or permanent employment)
- You are older than 23 years
- You have an income from benefits other than unemployment benefits or social assistance
- You have a valid proof of identity
- You have no negative registration (coding) with the Credit Registration Office
- You want to borrow a minimum of € 5,000
- You have been self-employed for at least 3 years
- You are older than 25 years
- The company has positive equity
- The company makes a profit
- You are in possession of your own home
- You do not have a negative registration with the Credit Registration Office