Geld.nl review

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

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Our verdict

Geld.nl works for Dutch borrowers with a stable income who want a broker to place a personal loan or a credit line. Rates of 6.7% to 10.6% compare well with a market median of 12%, and the arrangement fee of 0 EUR costs nothing. Applicants need a clean BKR registration and a hard credit check.

Key facts

Best for
Dutch residents with a stable income and a positive BKR registration comparing personal loans, credit lines and consolidation.
APR
6.7% to 10.6% (Source, checked September 26, 2026)
Loan amount
€2,500 to €100,000 (Source, checked September 26, 2026)
Term
12 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 1 working day after the lender approves the signed offer and documents (Source, checked September 26, 2026)
Representative example
Personal loan EUR 10,000 over 60 months at 7.5% (DEFAM): EUR 200 per month, total credit amount EUR 11,953 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Dutch residents only with a stable income and a positive BKR registration; many lenders set a minimum age of 21 (some 25) and a maximum age of 74 (some up to 80) (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Riverty GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
geld.nl

Mortgages

Initial rate
4.13% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
€2,649 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Riverty GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
TrustpilotLinkedInXfacebook.com

Pros and cons

Pros

  • Personal loan rates of 6.7% to 10.6% sit well under the 12% market median
  • An arrangement fee of 0 EUR and a share of 0% on personal loans
  • Free early repayment, so you can clear a loan early at no extra cost
  • Fixed rates over terms of 12 to 180, so the monthly figure holds

Cons

  • A hard credit check, so applying puts a full search on your file
  • Eligibility is limited to Dutch residents with a stable income and a positive BKR registration
  • It is a broker, so the lender setting the final rate is decided for you

Ready to try Geld.nl?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Dutch residents with a stable income and a positive BKR registration
  • Adults inside the age range lenders accept, with a minimum age and an upper cap
  • People consolidating debts or funding home improvement

Who should look elsewhere

  • Cashspace or Cashspace ES, which serve other markets at rates of PHP 12 to PHP 36 and 0%
  • Anyone with a negative BKR registration or unstable income
  • Monzo Flex borrowers, where rates start higher at 10% to 23%

How your money is protected

Geld.nl is a broker, so the contract is with the lender it places you with rather than with the site itself. Offers come with a representative example, so you can see the monthly figure and the total credit amount before signing. The site operates under Dutch supervision, with registration 12039914 covering Autoriteit Financiele Markten (AFM), Wet Financieel Toezicht (WFT). The group entity is also listed in Germany under PSD_PI DE_BAFIN!142183.

The company behind it

The legal entity behind the service is Riverty GmbH, registered in Germany, and the site has been running since 1999. Its role is matching borrowers with lenders across personal loans, credit lines and debt consolidation. Support runs on chat, phone and help centre, giving you chat, phone and a help centre for questions before and after signing. Oversight comes from Autoriteit Financiele Markten (AFM), Wet Financieel Toezicht (WFT) in the Netherlands, plus PSD_PI DE_BAFIN!142183 in Germany.

How Geld.nl compares

Where Geld.nl is available

Available
Germany, Netherlands
Licence in Netherlands
Autoriteit Financiele Markten (AFM), Wet Financieel Toezicht (WFT) (12039914), checked September 26, 2026
Licence in Germany
DE_BAFIN (PSD_PI DE_BAFIN!142183), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

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

Frequently asked questions

What does a personal loan cost through Geld.nl?+

Rates run 6.7% to 10.6% and the arrangement fee is 0 EUR, with a share of 0% on the amount. The representative example shows the monthly payment and the total credit amount repaid, so the cost of borrowing is clear before you sign.

Can I repay a loan early without a charge?+

Yes. Free early repayment applies, so clearing the balance earlier than the agreed end costs nothing extra. The rate is fixed and terms run 12 to 180, so a lump sum can reduce the interest you would otherwise pay.

Who can apply?+

Eligibility is for Dutch residents with a stable income and a positive BKR registration. Lenders set their own age limits, with a minimum age and an upper cap, and some set a higher minimum than others, so check the offer before applying.

Does applying affect my credit file?+

The credit check is hard, which means a full search is recorded on your file. A hard check can influence the rates other lenders quote you later, so it helps to compare options before sending an application rather than applying several times.

What kinds of loan are offered?+

The range covers personal loans, credit lines and debt consolidation, and home improvement is the stated use case. Loans are fixed rate, and a credit line lets you draw down as you need it rather than taking the full amount at once.

How quickly is money paid out?+

Funding comes within a working day after the lender approves your signed offer and documents. The approval step sits with the lender, so the speed depends on how quickly you return the paperwork.

Is Geld.nl regulated?+

Geld.nl is a broker rather than the lender, and it operates under Dutch supervision with registration 12039914 under Autoriteit Financiele Markten (AFM), Wet Financieel Toezicht (WFT). The group entity also appears in the German register as PSD_PI DE_BAFIN!142183.

How do I get help or make a complaint?+

Support runs on chat, phone and help centre, which covers chat, phone and a help centre. You can raise a question before signing and follow up on an existing loan afterwards, and the help centre holds written guidance for common situations.

Sources

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

Geld.nl

Dutch residents with a stable income and a positive BKR registration comparing personal loans, credit lines and consolidation.

9.1/10See alternatives

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