Hey mate !
As Martin mentionned, I would not suggest you to "buy" a licence without backup.
If I had to do it all over again, I would get a degree in some aviation business (i.e. maintenance) then do a modular training at my own pace and fly when my money allows it.
Also know that some banks make some special pilot loans, where you don't have to pay the monthly fees for 3 years (for example) and get a kind of okay interest rate. There must be some in NL.
Success !