Wat valt er onder consumptief krediet?

Elke lening die niet dient voor de aankoop of verbouwing van een woning: de persoonlijke lening, het doorlopend krediet, roodstand op de betaalrekening, autofinanciering en gespreid betalen bij een winkel of webshop. Voor al die vormen gelden dezelfde wettelijke regels over informatie, toetsing en registratie bij het BKR.

Bemiddelt Finass Verzekert in leningen?

Nee. Onze AFM-vergunning ziet uitsluitend op schadeverzekeringen. Consumptief krediet valt onder een andere vergunningcategorie, met eigen eisen aan vakbekwaamheid en informatieverstrekking. Wij verwijzen u door naar aanbieders die daarvoor staan ingeschreven; zij beoordelen uw aanvraag zelfstandig en zijn daar ook zelf verantwoordelijk voor.

Mag ik een consumptief krediet eerder aflossen?

Ja. Vervroegd aflossen is bij consumptief krediet altijd toegestaan. De aanbieder mag daarvoor een vergoeding rekenen, maar die is wettelijk begrensd en bij een doorlopend krediet meestal helemaal niet aan de orde. Vraag vooraf wat aflossen kost; dat verschilt per kredietvorm en staat in de kredietovereenkomst.

Welke informatie moet ik voor het tekenen krijgen?

De Europese standaardinformatie inzake consumentenkrediet: kredietbedrag, looptijd, jaarlijks kostenpercentage, totale kosten, het termijnbedrag en de gevolgen van te laat betalen. Die informatie moet u ontvangen voordat u zich bindt, zodat u aanbiedingen kunt vergelijken. Krijgt u die niet, dan is dat een reden om af te haken.

Wat gebeurt er bij een betalingsachterstand?

De aanbieder meldt een achterstand aan het BKR zodra die een bepaalde duur heeft bereikt, en die melding blijft nog jaren na aflossing zichtbaar. Neem daarom bij dreigende problemen meteen contact op met de kredietaanbieder over een regeling. Uw gemeente biedt kosteloos schuldhulpverlening aan als het u zelf niet lukt.

Please note: borrowing money costs money · APR · BKR check

Consumer credit: we refer you on

Consumer credit is the collective term for any loan that has nothing to do with a home. This page explains which forms it covers and why we refer you elsewhere.

several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Consumptief krediet: wij verwijzen u door.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

Get in touch

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Please note: borrowing money costs money. Consumer credit is the umbrella category: a personal loan, a revolving credit, an overdraft on your current account, car finance and paying in instalments or later at a shop or web shop all fall under it. The form differs. The statutory rules on information, assessment and registration are the same.

Finass Verzekert advises on and arranges non-life insurance under AFM licence 12016589. Consumer credit falls under a different licence category, with its own requirements for professional competence and information provision. We do not hold that licence and therefore do not broker loans. We refer you to providers that are registered; they assess, advise and decide independently and consult the BKR.

What we do for you is on the insurance side: the own-damage or buildings cover a lender requires as a condition, and advice on your personal and business general insurance. We receive no payment from credit providers and therefore have no interest in which loan you choose.

Cover
Points to note
What to look out for
Frequently asked questions
Contact

Who does what with consumer credit?

How the roles are divided between us and the party providing the credit.

No licence

What we do not do

We leave advice on and arrangement of credit to licensed parties.

No credit advice
No brokerage
A referral instead

Before you sign

What to look out for

The points that determine the price of your loan.

Compare on APR
Total cost of credit
Term and repayment

Non-life insurance

What we do provide

What you can come to us for.

Home and traffic
Liability
Business and property

What is covered

Situation	At Finass Verzekert	With the licensed provider
Advice on the type of credit and the term	No	Yes
An income and BKR (the Dutch credit register) check	No	Yes
European standard information on the credit	No	Yes
Paying out or collecting credit amounts	No	Yes
Advice on personal non-life insurance	Yes	No
Own-damage cover on a financed vehicle	Yes	No

This overview is general in nature and is not personal advice. It only sets out who carries out which task.

Where things go wrong in practice

Four points that determine what consumer credit actually costs you.

Which form suits which purchase

If you know the amount exactly and it is a one-off purchase, a loan with a fixed amount, a fixed interest rate and a fixed end date suits it best. If the need is unpredictable, a credit limit looks more convenient, but that form has no end date and over the years often turns out the most expensive. An overdraft on a current account is intended for days, not months, and is rarely sensible as a structural solution.

Shop credit and paying later are credit too

Paying in instalments at a web shop, a payment arrangement at an electronics chain and a mobile contract in which a handset is paid off are forms of credit as soon as costs are attached or the term is longer than a short payment period. The provider needs a licence for those too. Arrears on such an arrangement can lead to a registration with the BKR, and that remains visible to other lenders for years after full repayment.

What a licence holder must do

Before you commit, you must receive the European standard information on consumer credit: the amount of credit, the term, the annual percentage rate, the total cost, the instalment amount and the consequences of paying late. The provider assesses your income and fixed outgoings and consults the BKR. You have a statutory right of withdrawal and access to Kifid in the event of a complaint. If you do not receive that information, that in itself is reason to walk away.

Payment protection belongs to the credit provider

When you take out credit, insurance is often offered that pays the instalments in the event of incapacity for work, unemployment or death. That product comes from the credit provider or its insurer and not from us. Assess it on the exclusions: waiting periods, a payment period in months, the exclusion of temporary contracts and of conditions you already had. Also check whether you already have some of this cover through your employer or an existing policy.

Credit without an assessment does not exist here

Licence holders are required to consult the BKR for credit from € 250 with a term longer than one month, and to assess whether the payments are affordable. Providers advertising loans without a check generally do not hold that licence. You then miss out on the statutory credit information, the right of withdrawal and access to Kifid.

Payment protection is not compulsory

Credit providers sometimes offer insurance that pays in the event of incapacity for work, unemployment or death. That product belongs to the credit provider, not to us. Above all, read the exclusions: waiting periods, a payment period in months and the exclusion of temporary contracts or existing conditions are common.

What to look out for when comparing

Type of credit against the purpose. A one-off purchase calls for something different from a fluctuating need for money; choose the form first.
Annual percentage rate. The only figure with which you can fairly compare offers across all forms of credit.
Total cost of credit. What you have repaid at the end over and above what you borrowed, across the whole term.
Statutory information before signing. You must receive the European standard information before you commit, not afterwards.
Consequences for your BKR registration. Every credit is registered; arrears remain visible for years even after repayment.
The provider's licence. Check the name and number in the AFM's public register before you sign anything.

This overview is general in nature and is not personal advice.

How it works

You decide what you needThe amount and the purpose determine which form of credit makes sense and how long it may run.
You compare on APRSet the pre-contractual information from several providers side by side.
The provider carries out a checkIncome, fixed outgoings and the BKR determine whether the credit is responsible.
We arrange your insuranceFor home, traffic and liability you have come to the right place.

Get in touch

9.5New policy

9.8Claims handling

Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Which forms of borrowing count as consumer credit?

Everything not used to buy or refurbish a home: the personal loan, revolving credit, an overdraft, car finance and paying in instalments at a shop or web shop. The same rules on information provision, affordability assessment and BKR registration apply to all those forms. The difference lies in the type of interest, the term and whether you can draw down again.

Why does Finass Verzekert refer you elsewhere instead of broking?

Our AFM licence covers general insurance only. Advice and broking on consumer credit are subject to different professional competence requirements and a separate registration, which we do not have. Broking without that licence is not permitted. We therefore put you in touch with firms that do hold it; they assess your application independently and are responsible for it themselves.

Is paying later at a web shop also credit?

As soon as costs are attached or payment is spread over a longer period, yes. The same requirements then apply to the provider as for an ordinary loan. For short, cost-free payment periods the position is different. In any event, treat such arrangements as debt: they count towards your fixed outgoings and arrears can lead to a registration.

Which documents should I receive before I sign?

The European standard information on consumer credit and the credit agreement itself. They state the amount of credit, the term, the annual percentage rate, the total cost, the instalment amount and what happens if you pay late. That information is intended to allow you to set offers side by side. If you do not receive it, or only receive it after signing, look for another provider.

Your insurance with us after all?

We compare several insurers on premium and conditions and, if you wish, arrange the switch.

Get in touch

Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.

About our service

Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.

You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.

This page was written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Consumer credit: we refer you on

In brief

Who does what with consumer credit?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Which form suits which purchase

Shop credit and paying later are credit too

What a licence holder must do

Payment protection belongs to the credit provider

Credit without an assessment does not exist here

Payment protection is not compulsory

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Service

Your insurance with us after all?

About our service

Consumer credit: we refer you on

In brief

Who does what with consumer credit?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Which form suits which purchase

Shop credit and paying later are credit too

What a licence holder must do

Payment protection belongs to the credit provider

Credit without an assessment does not exist here

Payment protection is not compulsory

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Service

Your insurance with us after all?

About our service

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