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Geld.nl review

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

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Our verdict

Geld.nl suits Dutch households who want to compare personal loans, pet insurance and mortgages in a single place instead of approaching a single lender. It works as a broker and a comparison site under an Autoriteit Financiele Markten WFT permit, with listed loan rates running 6.7% to 10.6%.

Key facts

Best for
Comparing Dutch personal loans, pet cover and mortgage rates without visiting each provider
Premium from
€9.62↗
Insurance types
Auto, Home, Health, Travel, Pet, Motorcycle↗
Provider type
Comparison site↗
Monthly payments
Yes↗
Excess from
€0 to €150↗
Cover limit
EUR 2,500 - 3,250 per year (pet insurance)↗
Age range
Pet insurance: dogs up to 7 years, cats 7 to 11 years↗
Legal entity
Geld.nl B.V.↗
Headquarters
Netherlands↗
Founded
1999↗
Support channels
Email, Chat, Help-centre↗
Pricing model
Monthly
Official website
geld.nl

Loans

APR
6.7% to 10.6%↗
Loan amount
€2,500 to €100,000↗
Term
12 to 180 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Within 1 working day after the lender approves the signed offer and documents↗
Representative example
Personal loan EUR 10,000 over 60 months at 7.5% (DEFAM): EUR 200 per month, total credit amount EUR 11,953↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
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)↗
Origination fee (%)
0%↗
Loan types
Personal, Credit-line, Debt-consolidation↗
Use cases
Home-improvement↗
Features
Credit line

Mortgages

Initial rate
4.13%↗
Fixed period
10 years↗
Maximum loan to value
100%↗
Product fee
€2,649↗
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity, Buy-to-let↗

Savings

Deposit protection
EU DGS up to EUR 100,000↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Listed personal loans carry an arrangement fee of 0 EUR and a percentage fee of 0% on a fixed rate.
  • Early repayment is free on those loans, so clearing a balance sooner costs nothing extra.
  • The comparison covers auto, home and health, with pet cover listed at €9.62 on a monthly payment model.
  • It holds an Autoriteit Financiele Markten WFT permit, 12039914, and savings deposits sit under EU DGS up to EUR 100,000.

Cons

  • A hard credit check runs on the listed loans, so applying can leave a trace on your file.
  • Support runs on email, chat and help centre only, with no phone line listed.
  • Eligibility keeps the pool small: Dutch residents only, with a stable income, a positive BKR registration, a minimum age and a maximum age at most lenders.

Ready to try Geld.nl?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Dutch residents with a stable income and a positive BKR registration who want lender offers side by side.
  • Pet owners whose dog or cat falls inside Pet insurance: dogs up to 7 years, cats 7 to 11 years and who can pay a monthly premium.
  • Borrowers weighing a mortgage, since listed initial rates are 4.13% fixed for 10 with a maximum loan to value of 100%.

Who should look elsewhere

  • bunq, if you want a bank account for everyday money rather than Dutch loans, with a premium from €0.
  • bunq Spain, for Spanish residents who need an account in that market rather than the NL one Geld.nl serves.
  • Linxea, for long term savers who want a premium from €25 instead of borrowing and pet cover.

How Geld.nl compares

Where Geld.nl is available

Available
Netherlands
Licence in Netherlands
Autoriteit Financiele Markten (AFM), WFT permit (12039914), checked September 26, 2026

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

Frequently asked questions

What is Geld.nl and who does it serve?+

Geld.nl is a comparison site run by Geld.nl B.V. and based in the Netherlands, comparing money products since 1999. On the borrowing side it works as a broker, so you see offers from several lenders rather than the products of a single provider.

How much can I borrow, and over what term?+

The personal loans listed run €2,500 to €100,000 with terms of 12 to 180 and a fixed rate. The deal sits with the lender, not with the site, and the worked example given is a personal loan repaid in fixed monthly instalments, with the total credit amount higher than the sum you receive.

What fees come with the listed personal loans?+

The listed loans carry an arrangement fee of 0 EUR and a percentage fee of 0%. Early repayment is free, so you can clear a loan sooner without a charge, and the fixed rate keeps each monthly payment predictable across the term.

Is Geld.nl regulated and is money protected?+

It is authorised by the Autoriteit Financiele Markten under a WFT permit, number 12039914. On savings, deposits are covered under EU DGS up to EUR 100,000. The lending side is a broker, so the lender you apply to is the party holding your money.

How fast does money arrive after approval?+

The broker structure means the lender, not the site, decides approval. Once that lender has approved your signed offer and documents, funding follows within a short wait, so your own paperwork pace matters more here than the comparison step, which only shortlists offers for you to accept.

What does pet insurance cost and what does it cover?+

Pet cover is listed at €9.62 on a monthly payment model, with cover limits of EUR 2,500 - 3,250 per year (pet insurance) and an excess running €0 to €150. The age rules are Pet insurance: dogs up to 7 years, cats 7 to 11 years, so check that your dog or cat still fits before you apply.

Which kinds of insurance can I compare?+

The insurance side covers auto, home and health, so quotes for a car, home, health, travel, pet or motorcycle policy can be lined up in a single pass. Pet policies run on a monthly payment model, and the lowest listed premium there is €9.62.

What mortgage rates and terms are shown?+

The mortgage side shows initial rates of 4.13% fixed for 10, with a maximum loan to value of 100%. It covers purchase, remortgage and first time buyer, and the listed product fee is €2,649, which sits above the 4.69% typical across the wider market.

Sources

  • geld.nl checked September 26, 2026

    Backs: Deposit protection, Headquarters, Insurance types

    “Emmasingel 23 | 5611 AZ Eindhoven | KvK: 52062910 | WFT-vergunning: 12039914”

  • geld.nl/algemeen/informatie/dienstverlening checked September 26, 2026

    Backs: Provider type, Legal entity, Licences

  • geld.nl/algemeen/informatie/service checked September 26, 2026

    Backs: Funding time, Support channels

  • geld.nl/dierenverzekering checked September 26, 2026

    Backs: Age range, Cover limit, Excess from, Pricing model, Monthly payments, Premium from

    “Eigen risico: EUR 0 ... Eigen risico: EUR 50 ... Eigen risico: EUR 150”

  • geld.nl/hypotheek/expert/nieuws/laagste-hypotheekrentes-s... checked September 26, 2026

    Backs: Fixed period, Initial rate

    “lowest rate 10 years fixed 3.78% (8-9-2026), 3.85% (15-9-2026), 4.13% (22-9-2026), source: Geld.nl, annuity mortgages with NHG”

  • geld.nl/hypotheek/hypotheekrente checked September 26, 2026

    Backs: Maximum loan to value, Product fee, Purpose

    “at present you may still borrow a maximum of 100% of your property value from the bank”

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

    Backs: Loan amount, APR, Credit check, Free early repayment, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Leenbedrag van EUR 2.500 - EUR 100.000”

  • geld.nl/lenen/vergelijken checked September 26, 2026

    Backs: Eligibility, Features, Lender type, Loan types, Use cases

  • geld.nl/over-geld-nl checked September 26, 2026

    Backs: Founded

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Geld.nl

Comparing Dutch personal loans, pet cover and mortgage rates without visiting each provider

9.0/10See alternatives