FX.nl review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

FX.nl suits borrowers in the Netherlands who want a fixed-rate personal loan and are happy to deal with a broker rather than a bank. Personal loan APR sits at 6.4% to 8.45% on sums of €2,500 to €75,000, with an origination fee of 0 EUR.

Key facts

Best for
Fixed-rate personal loans and Dutch mortgages, with an origination fee of 0 EUR.
APR
6.4% to 8.45% (Source, checked September 26, 2026)
Loan amount
€2,500 to €75,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Funding time
Often within 24 hours (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Personal loan: min age 21, max age 74 (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Debt-consolidation, Business, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
NBG (iBrains B.V.), KvK 61155578 (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
fx.nl

Mortgages

Initial rate
4.12% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
NBG (iBrains B.V.), KvK 61155578 (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
fb.com

Pros and cons

Pros

  • An origination fee of 0 EUR on the personal loan, so nothing is added when you take it out.
  • A fixed rate, so your monthly repayment does not move with the market.
  • Personal loan APR of 6.4% to 8.45% against a site median of 12%, which keeps the headline cost among the cheaper offers here.

Cons

  • Free early repayment: no, so overpaying on purpose brings no rebate.
  • Support runs on email and phone only, so there is no live chat when you want a quick answer.
  • The €2,500 to €75,000 range starts well above the €114.37 that many lenders on this site accept, so small sums do not fit.
FX.nl

Ready to try FX.nl?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in the Netherlands who want a fixed-rate personal loan and are content to let a broker line up the offers.
  • People after a larger, longer loan: €2,500 to €75,000 over terms of 6 to 120 sits above the smaller sums most of the site handles.
  • Homebuyers and remortgagers, since purchase, remortgage and home equity are covered with an initial rate of 4.12% and a product fee of €0.

Who should look elsewhere

  • People who want to deal with the lender itself, since FX.nl works as a broker and the partner lenders set the price.
  • Borrowers who plan to clear the balance early, because free early repayment is a no on these loans.
  • Readers whose shortlist is priced in another currency, such as Cashspace at PHP 12 to PHP 36 or Cashspace ES at 0%.

How FX.nl compares

Where FX.nl is available

Available
Netherlands
Licence in Netherlands
Autoriteit Financiele Markten (AFM) - Wft register (12042801), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a personal loan from FX.nl cost?+

Personal loan APR is 6.4% to 8.45% on sums of €2,500 to €75,000, and the origination fee is 0 EUR when you take it out. The rate is fixed on a fixed-rate basis, so the monthly amount does not drift with the market. Compare that against the site median of 12% before you decide.

Who runs FX.nl and who regulates it?+

The site is operated by NBG (iBrains B.V.), KvK 61155578, which appears in the Autoriteit Financiele Markten (AFM) Wft register as 12042801. That is the Dutch register for firms allowed to lend, so you can look the entry up before you hand over your details.

How quickly would the money arrive?+

Once a partner lender agrees, timing is usually quick: Often within 24 hours. FX.nl arranges the comparison, and the lender you end up with handles the payout, so the pace sits with them rather than with the comparison site.

How much can I borrow and over what term?+

Personal loans run from €2,500 to €75,000, repaid over terms of 6 to 120. That is a wide spread at the larger end of what lenders on this site offer, where €114.37 marks the smaller sums many of them accept.

What kinds of borrowing are covered?+

The lending side covers personal, credit line and debt consolidation, with home improvement named as the use case, and a credit line is offered alongside them. On the mortgage side, purchase, remortgage and home equity are listed at an initial rate of 4.12% fixed for 10 years, with a product fee of €0.

Am I old enough to apply?+

You need to be an adult inside the age band the lender sets, running from a minimum age to a maximum age. You also need to borrow at least the bottom of €2,500 to €75,000, so a very small sum will not be accepted here.

Can I pay the loan off early without a charge?+

Free early repayment: no, so there is no rebate for finishing ahead of plan. That makes the fixed rate and the 6 to 120 term your main levers, alongside shopping 6.4% to 8.45% quotes from other lenders on the site.

Sources

  • fx.nl checked September 26, 2026

    Backs: Founded, Support channels

    “Vrij vergelijken sinds 1998!”

  • fx.nl/disclaimer checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

  • fx.nl/hoe-komt-deze-vergelijking-tot-stand checked September 26, 2026

    Backs: Lender type

  • fx.nl/hypotheek checked September 26, 2026

    Backs: Fixed period, Initial rate, Product fee

    “Kies je rentevaste periode: ... 10”

  • fx.nl/lenen checked September 26, 2026

    Backs: Features, Free early repayment, Funding time, Loan types, Arrangement fee, Use cases

  • fx.nl/lenen/persoonlijke-lening checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Pricing model, Rate type, Term

    “Leenbedrag: € 2.500, € 5.000, € 10.000, € 15.000, € 20.000, € 25.000, € 50.000, € 75.000”

  • fx.nl/over-ons checked September 26, 2026

    Backs: Purpose

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

FX.nl

FX.nl

Fixed-rate personal loans and Dutch mortgages, with an origination fee of 0 EUR.

8.8/10See alternatives

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