The expert in online borrowing

The expert in online borrowing

Borrow money at the historically low interest rate from 3.5%

Apply for a loan

As the expert in online borrowing, we are happy to help you in your search for an affordable loan. We have a tailor-made loan for all loan purposes, for a renovation or a car, for example. We work with practically all recognized lenders and are 100% independent in this. This way we can always offer you the best interest rate, and you never pay too much for your loan. Applying for a loan from M-Credit means a loan that always matches your income and expenditure and is therefore always justified. Thanks to our online method, you can also close a loan very quickly, without hassle. That is borrowing money from M-Credit.

Apply for a loan online

Do you want to apply for a loan? Or first find out what your options and associated costs (plus benefits!) Are? Then M-Credit is the expert you are looking for. We have been committed to borrowing money responsibly and safely for more than 13 years, with the best conditions! Not only can you borrow money from us online through a transparent and super-fast process, but you can also take advantage of the historically low interest rate: from 3.5%! So whether you are looking for a Continuous Credit or a Personal Loan, we are happy to give you free advice.

Begin your loan application
Loan amount ...
Interest ...
Monthly amount
Duration ...

Reliable partners

Because of our cooperation with almost all renowned lenders, you can be sure that borrowing money via M-Credit is the right responsible choice. Thanks to years of cooperation, we are able to negotiate the lowest interest rate for you at the best conditions. This is endorsed in the hundreds of positive reviews from our customers that are left with our partner Customer Tell. And we are proud of that!

Qander Consumer Finance
National ShareB
BB Bank Personal Finance
Defam Premium

That is how it works

1. We stand for responsible lending

Taking out a loan is not easy. It is therefore important that you do this responsibly. So read carefully on our website, so that you know exactly what a loan entails. Do you then know exactly what you want? You know what you would like to borrow money for: a car, for example, or a renovation. And you also know exactly how much you want to borrow. Then request a completely free quote. To do this, click on the button ' Request quotation ' in the main menu.

2. Enter your details and request a no-obligation quote online

On the quotation form you indicate how much you want to borrow, what the purpose of your loan is (that car, perhaps) and your desired product form: a Personal Loan or a Continuous Credit. Do you want to know which loan is most suitable for your loan purpose? Take a look under the menu button ' Borrow money ' for an explanation of our different loan forms. Below are some more personal information and questions about your income and living situation. You then submit your application online.

Request quote

3. Your application will be processed immediately

Your application will be processed immediately on working days. Based on your data and your financial situation, our advisers check whether you are eligible for the loan you want. We also check, for example, whether you do not have a negative BKR registration that could stand in the way of a loan.

  • Always the lowest interest
  • The best conditions
  • Safe and secure

4. Often you will receive an advantageous offer within 24 hours at the best interest, with of course the best conditions!

This proposal is ready for you in your personal secure environment. Here you can view and sign your personal offer. You can also submit all necessary documents here. Have all documents been received in good order? Then we will handle the last piece of arrangements for you.

Our loan products

Personal loan

  • Clear agreements so that you always know where you stand and you will not be faced with surprises
  • Firmness with a fixed loan amount at a fixed rate with a fixed term
  • Close yourself against the historically low interest rate of 3.6%
  • During the term you can always make interim repayments without penalty

Revolving credit

  • Comparable to being in the red on your bank account, only much cheaper and more flexible
  • Close yourself against the variable low interest rate of 4.5%
  • Within the agreed loan amount, you can always withdraw the amount that you have repaid
  • You only pay interest on the amount you have already withdrawn

Borrow money from M-Credit

As you want it

A personal conversation, by phone or rather by e-mail? That is possible with all of us. You choose what suits you best.

Personal service

Borrowing is different for everyone and different advice suits every personal situation. That is why we provide 100% of our customers with tailor-made advice.

100% independent

We are 100% independent and are not tied to mandatory partners. This way we can always give you objective advice.

The lowest interest

Thanks to our cooperation with almost all recognized lenders, we almost always offer the lowest interest and the best conditions.

Online method

Thanks to our online method, we are able to act quickly. You often have a quote within 24 hours and a payment within 2 working days.

Over 13 years of experience

Over the past 13 years, we have helped thousands of customers with a cheap (er), safe and trusted loan, with great pleasure.

Borrow responsibly

All information we provide is always up-to-date, clear and easily accessible, so that you know exactly where you stand.

Satisfied customers

Countless customers have left a positive review in recent years. Satisfied customers are our greatest compliment!

Already 1036 satisfied customers

Customers give us an average of 9.2 on


I was helped in a professional and proactive manner and got a quick response and clarity. Super service. Unfortunately you don't see that much anymore.

“Top service”

Everything done within 24 hours. Clear, professional and highly recommended. Deserved more stars than I can give here.

Top service

Hereby big thanks to Jeroen. Friendly man, listening ear, and also in for a nice chat. We are very satisfied.

“Top service”

Arranged well and quickly. Helped well. Clearly informed. Quick responses to all emails.

Top service

Compare interest

Compare our always low interest rates with various providers!

Lender Interest Monthly charges Cost To request
defam 3.7 249 29,871
interbank 3.7 249 29,871
qander 3.9 251 30,150
nationale-nederlanden 4.0 252 30,290
abn-amro 4.2 255 30,572
bnp-paribas-personal-finance 4.6 260 31,141
ing-bank 5.1 266 31,860
  • The Annual Percentage Rate (APR) is equal to the interest on this product.
  • For a Personal Loan, a minimum term of 12 months and a maximum term of 180 months applies.
  • A minimum term of 1 month applies for a Revolving Credit, the maximum term depends on the interest, extra repayments and extra withdrawals.
  • The minimum interest is 3.5% and the legal maximum interest is 14%.
  • Last checked on January 19, 2021.

Reachable by phone


Opening hours

  • Mon to Fri - 9 a.m. to 6 p.m.
  • Sat & Sun - closed
  • Online - 24/7