Borrowing money, costs money


Freo is Rabobank's online loan specialist, where you can go if you need money for home improvement, a new car or another important expense. The main advantages of a Freo loan? The lowest interest rates in the Netherlands and clear conditions! So if you find your existing loan too expensive, you can transfer the loan to Freo. It is not without reason that the Consumers' Association has rated Freo as an attractive choice.

100% subsidiary Rabobank
No closing costs
The lowest interest
5 stars from MoneyView

Borrow money from Freo

Borrowing money from Freo is very easy. You request a quote online from and answer a few questions. If we think that a Freo loan is suitable for you, we will forward your application to them. Freo will then contact you to discuss your application.

You will then receive a quote for a Freo loan. You sign it digitally and upload the necessary documents, such as a payslip. Freo assesses your financial situation and if everything is in order, the money will be transferred. The whole process is completed within a few days. If you have any questions after closing, the Freo advisor is ready to help you.

That is why you choose a Freo loan

Low interest rate : Freo has been in the top 3 of low-cost lenders for years. How is that possible? The interest depends, among other things, on the risk that the loan will not be repaid. Freo limits that risk by being strict on who can take out a Freo loan. Less risk means a lower interest rate. The Freo loans are also easy to assemble and can be taken out online. This saves costs and the interest can be further reduced.

Clarity : If you borrow money from Freo, you know exactly what to expect in advance. The conditions are simple and clear. It is clear what you pay per month and how your Freo loan works. Characteristic of Freo's clarity: no distinction is made between customers. Everyone pays the same rate for each loan form with the same loan amount.

Borrow wisely: Borrowing money at Freo means borrowing money wisely. Freo wants to know in advance what you need the money for and what your financial and personal situation is like. Based on that data, we assess which Freo loan is right for you. During the term, Freo continues to check whether the loan is still appropriate. Additional repayments in between can also be sensible. That is why you can always repay more with all loans from Freo, without any costs involved.

Which loans do you take out with Freo?

Freo keeps it simple and offers two types of loans. Nothing more nothing less. You can take out a Freo Personal Loan for specific expenses or a Freo Continuous Credit if you want to have extra money in reserve for a while.

Personal Loan from Freo

A Personal Loan from Freo is ideal if, for example, you want to finance a new car or a renovation. Due to the low interest rate of Freo and the option to repay early, your costs remain affordable. Switching your existing loan to a Freo loan is also possible. We will check whether you are cheaper with a Freo credit.

When you take out a Personal Loan with Freo, the agreements are very clear and simple: you borrow the money you need in one go. You choose in advance how long it takes to repay and you know what interest will be charged. Your monthly amount of the Freo loan remains the same during the entire term and you will see in advance how much you have lost in total.

Apply for a personal loan

Personal Loan from Freo

  • Loan amounts between € 5,000 and € 75,000
  • Money directly into your account
  • Duration 12 to 120 months
  • Fixed low interest
  • Extra repayments without penalty

Continuous Credit from Freo

  • Credit limit between € 5,000 and € 75,000
  • Interest is variable and can therefore rise or fall
  • You only pay interest on the amount withdrawn
  • Fixed monthly amount for interest and repayment
  • Extra repayments without penalty

A Freo Revolving Credit loan

A Revolving Credit can be a solution in various situations. For example, if you do not yet know exactly what you have to spend on a particular expenditure. Or if you want to be able to support your studying child financially if necessary. With a Revolving Credit you have extra money in reserve.

Freo first agrees on a credit limit with you. In the first two years you can withdraw as much money as you want up to that amount. In subsequent years, the credit limit will be slightly smaller every month. This way you avoid being stuck with Het Freo Continuous Credit for longer than desired. You only pay interest on the amount that you have withdrawn. Your monthly amount is fixed.

Apply for continuous credit

Can you take out a loan with Freo?

To be able to borrow money from Freo you must meet certain conditions. Your age, your income, your living situation and your financial situation are therefore checked. You will also be asked at the Credit Registration Office (BKR) in Tiel whether you have other loans outstanding and whether you have (had) payment problems with them.

If you take out the loan together with your partner, his or her details will also be checked. Freo also adheres to the borrowing standards of the Association of Finance Companies in the Netherlands (VFN). All these rules are necessary to give you the certainty that your loan is responsible.

With Freo notification at the BKR

Freo is obliged to report to the Credit Registration Office (BKR) in Tiel that you have taken out a loan. If you have an unauthorized payment arrears, we will also pass this on to the BKR. We do, however, warn you in advance and give you one last option to clear up the backlog. More information can be found at

What do customers say about our services?

735 Customers rate with a 9.6 on Trustpilot

Trustpilot rating

Everything arranged quickly within two days so that we are cheaper.

Caroline 7 days ago
Trustpilot rating

Everything arranged super fast. Application made on Monday afternoon, had to send in a few more documents on Tuesday and the money was in the account on Wednesday. Absolutely great!

Mr. M. van der Meer 7 days ago
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