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FX.nl review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

FX.nl suits Dutch borrowers who want fee-free euro personal loans and a home equity route arranged by a broker rather than a lender. Loans run at a fixed APR of 6.4% to 8.45% on amounts of €2,500 to €75,000, with an origination fee of 0 EUR.

Key facts

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

Mortgages

Initial rate
4.12%↗
Fixed period
10 years↗
Product fee
€0↗
Purpose
Purchase, Remortgage, Home-equity↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
fb.com

Pros and cons

Pros

  • Personal loans carry an origination fee of 0 EUR and a fixed rate of 6.4% to 8.45%.
  • Loan sizes of €2,500 to €75,000 over terms of 6 to 120, with funding Often within 24 hours.
  • Borrowing choices run from personal loans to credit lines, debt consolidation, business and car lending: personal, credit line and debt consolidation.
  • Dutch registration with the Autoriteit Financiele Markten (AFM) Wft register, trading since 1998: 12042801.

Cons

  • Free early repayment: no, so settling a 6 to 120 personal loan early can cost money.
  • Support runs on email and phone only.
  • FX.nl is a broker, so the lender it places you with sets the final terms and decides approval.
FX.nl

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • You want a euro personal loan with no origination fee at 0 EUR and a fixed rate for the whole term.
  • You need funding Often within 24 hours and would rather a broker placed your application than apply to a lender directly.
  • You are buying or remortgaging a home, which sit alongside home equity in the stated purposes: purchase, remortgage and home equity.

Who should look elsewhere

  • You want to borrow in Philippine pesos: Cashspace quotes an APR of PHP 12 to PHP 36 in PHP.
  • You want a low euro floor: Creduma ES sets its minimum at from €12,000, above the €2,500 to €75,000 floor here.
  • You want a lower rate ceiling: Sofkredit runs an APR of 10.74% to 18.06%, above the 6.4% to 8.45% range here.

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?+

A personal loan runs at a fixed APR of 6.4% to 8.45% over terms of 6 to 120 on amounts of €2,500 to €75,000, with an origination fee of 0 EUR. The exact rate depends on your profile and the lender FX.nl places you with, since it works as a broker.

Is FX.nl the lender or a broker?+

FX.nl is a broker, not the party that lends to you. The site is operated by NBG (iBrains B.V.), KvK 61155578 and is based in the Netherlands. It passes your application to lenders and sets out the terms it has found, so the contract you sign sits with the lender rather than the site.

How quickly is money paid out?+

The stated funding time is Often within 24 hours, which suits people who need to move fast. That applies to the personal loan, the credit line and the other lending arranged here, not to the mortgage side. Brokering adds a step, since an application has to reach a lender before money moves.

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

Free early repayment: no. Early settlement is not free of cost here, so a personal loan with a term of 6 to 120 is worth treating as a fixed commitment. If you might clear the balance sooner, ask the lender what the settlement figure would be before you sign.

What can I borrow for?+

The site arranges personal loans, credit lines, debt consolidation, business loans and car finance: personal, credit line and debt consolidation. A revolving option is listed under credit line, and home improvement is the named use case: home improvement. Rates are listed as fixed rather than variable, which keeps repayments level across the term.

Is the site regulated?+

The Dutch regulator Autoriteit Financiele Markten (AFM) appears in the site's Wft register entry: 12042801. The register covers the entity named in the disclaimer, NBG (iBrains B.V.), KvK 61155578. Since lending is involved, weigh the loan terms and any settlement charge rather than a deposit protection scheme.

Does FX.nl arrange mortgages as well as loans?+

It does. The mortgage side lists an initial rate of 4.12% held for a fixed period of 10, with a product fee of €0. The stated purposes are purchase, remortgage and home equity: purchase, remortgage and home equity. That product fee sits alongside the personal loan origination fee of 0 EUR.

Who can apply and how do I ask questions?+

Applicants need to be adults who fall inside the age limits the lenders set, and the rate type is fixed with a headline range of 6.4% to 8.45%. The lender rather than the site decides approval. Questions before you apply run through email and phone.

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

A euro personal loan with no origination fee and funding within a day.

8.9/10See alternatives