Bemiddelt Finass Verzekert in doorlopend krediet?

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 de aanvraag zelfstandig, raadplegen het BKR en verstrekken de wettelijk voorgeschreven kredietinformatie.

Mag ik extra aflossen op een doorlopend krediet?

Ja, en bij dit product is dat doorgaans kosteloos, juist omdat de rente variabel is. Laat de aanbieder wel bevestigen dat extra aflossen de limiet verlaagt als u dat wilt; anders blijft de ruimte staan en kunt u het bedrag opnieuw opnemen. Vraag daarna om een actueel overzicht van uw restschuld.

Wat gebeurt er als de rente stijgt?

Bij een gelijkblijvend termijnbedrag gaat een groter deel naar rente en een kleiner deel naar aflossing, waardoor de looptijd oploopt en de totale prijs stijgt. De aanbieder moet u over de wijziging informeren. Overweeg dan het termijnbedrag te verhogen of extra af te lossen, zodat de einddatum niet verder wegschuift.

Please note: borrowing money costs money · Variable interest · BKR check

Revolving credit: we refer you on

Revolving credit is a limit you can keep drawing on. The flexibility is the selling point and at the same time the reason the debt stays in place for years.

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: Doorlopend 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. With revolving credit you are given a credit limit. You draw what you need and pay a monthly instalment made up of interest and repayment. What you repay becomes available again within the limit. That makes it the only form of credit with no fixed end date: the debt does not run down to zero by itself.

The interest rate is usually variable and may change during the term. If it rises while the instalment stays the same, a larger part goes to interest and a smaller part to repayment, so that the term stretches without your monthly payment changing. So always ask for a repayment schedule and for an answer to the question: when will this debt be zero?

Finass Verzekert advises on and arranges non-life insurance under AFM licence 12016589 and holds no credit licence. We do not grant limits, do not increase them and do not advise on the instalment amount. We refer you to providers with the appropriate registration; they consult the BKR and assess independently, including on every increase in the limit.

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

Who does what with revolving credit?

The division of roles between us and the firm providing the credit limit.

No licence

What we do not do

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

No credit advice
No increases in the limit
A referral instead

Before you sign

What to look out for

What makes revolving credit expensive or manageable.

Variable interest
Redrawing
When the debt reaches zero

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 limit, the instalment and the term	No	Yes
Income and BKR checks on application or increase	No	Yes
Adjusting the variable interest rate	No	Yes
Statutory credit information	No	Yes
Advice on personal non-life insurance	Yes	No
Insuring what you buy with the credit	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 features of this product that only become visible after years.

Redrawing keeps the debt alive

Every repayment frees up room within the limit, and that room invites the next drawdown. Anyone who uses it a few times pays interest for years on roughly the same amount without ever getting closer to an end date. So agree with yourself in advance on the date by which the debt must be zero, and do not apply for a higher limit than you actually need. A generous limit is not a buffer but a temptation.

A variable rate moves the end date

Unlike a loan with a fixed rate, your price is not fixed here. The provider may adjust the rate during the term and must inform you of it. If the instalment then stays the same, you repay less and the end date moves further away. Ask before signing on what basis the rate is reviewed, and consider increasing the instalment if it rises, so that the term does not quietly lengthen.

Your limit counts, even if you draw nothing

Mortgage lenders and other credit providers look at the limit registered with the BKR, not at the amount drawn. Unused room therefore reduces your maximum mortgage. If you want to buy a home, have the limit reduced or the credit ended in good time, and then check that the change has also been passed on to the BKR. That does not always happen automatically and it takes time to feed through.

The instalment is not a price

The monthly instalment is usually a percentage of the limit and consists of interest plus repayment. A low instalment looks affordable but means paying for longer and therefore a higher total cost of credit. So compare offers on the annual percentage rate and not on the monthly payment. Also ask for a statement showing how much of your instalment actually reduces the debt.

The instalment is not a price

The monthly amount is usually a percentage of the limit and consists of interest plus repayment. A low instalment looks affordable but means paying for longer and a higher total cost of credit. Compare on the annual percentage rate and ask for a repayment schedule showing when you will be finished.

An assessment is part of it, including on an increase

Licence holders consult the BKR for credit from € 250 with a term longer than one month, and assess again when you want to increase the limit. Providers saying it can be done without a check generally do not hold that licence. You then miss out on the statutory information and access to Kifid.

What to look out for when comparing

Annual percentage rate. It combines interest and charges in one figure per year. The only fair point of comparison.
Basis for reviewing the interest rate. Ask on what basis the provider may adjust the variable rate and how it informs you.
Size of the limit. A generous limit invites redrawing and counts in full on other credit applications.
Repayment element in the instalment. How much of your monthly amount reduces the debt determines when you will be finished.
Does extra repayment reduce the limit. If not, the room freed up remains and you can draw the amount again.
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 whether flexibility is neededIf you know the amount exactly, a fixed loan often suits better than a limit.
You compare on APRCompare the credit information from several licensed providers side by side.
The provider carries out a checkIncome, fixed outgoings and the BKR determine whether the limit 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.

What is the difference from a personal loan?

With a personal loan the amount, the interest rate and the term are fixed and the debt is guaranteed to run down to zero. With revolving credit you have a limit you can draw on and redraw, usually at a variable rate. That is more flexible, but the end date is not fixed and the total price therefore cannot be calculated in advance.

Does extra repayment reduce my limit?

Not automatically. With this product extra repayment is usually free of charge, but the room freed up remains available as standard. If you really want the limit reduced, ask for that separately and have it confirmed in writing that it has been done. Then check your BKR record, because that shows the limit other lenders see.

Does my credit limit count on a mortgage application?

Yes. Lenders work with the registered limit, even if you have drawn nothing from it. Unused room can therefore noticeably reduce your maximum mortgage. Arrange a reduction or termination well before you buy a home and ask for confirmation that the change has been processed at the BKR.

What happens if the interest rate rises?

With an unchanged instalment, a larger part goes to interest and a smaller part to repayment. Your monthly payment does not change, but the term becomes longer and the total price higher. The provider must inform you of the change. Increase the instalment yourself or make extra repayments, so that the end date does not move further away.

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.

Revolving credit: we refer you on

In brief

Who does what with revolving credit?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Redrawing keeps the debt alive

A variable rate moves the end date

Your limit counts, even if you draw nothing

The instalment is not a price

The instalment is not a price

An assessment is part of it, including on an increase

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

Revolving credit: we refer you on

In brief

Who does what with revolving credit?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Redrawing keeps the debt alive

A variable rate moves the end date

Your limit counts, even if you draw nothing

The instalment is not a price

The instalment is not a price

An assessment is part of it, including on an increase

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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