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Lender & Spender review

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

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Our verdict

Lender & Spender is a Dutch direct lender for borrowers with a clean record who want a fixed rate personal loan at the cheap end of the market.

Key facts

Best for
A cheap fixed rate Dutch personal loan for a borrower with a clean credit record.
APR
7.3% to 12%↗
Arrangement fee
0 EUR, no origination or setup fee stated↗
Credit check
Hard↗
Representative example
Totaal te betalen EUR 11.739 at 8,4% annual cost percentage (JKP)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
No loan or credit arrears in the past; applications also checked with the BKR registry↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Headquarters
Netherlands↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
lenderspender.nl

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Loans are fixed rate, fixed rate, so the monthly amount does not follow the market.
  • Free early repayment applies, so clearing the balance sooner stops the interest.
  • Support runs on email, phone and help centre, with a phone line as well as email and a help centre.

Cons

  • A hard credit check, hard, and a BKR registry check, and any past loan or credit arrears rules you out.
  • The lending menu is narrow, personal, debt consolidation and car, so a business or mortgage need sits outside it.
Lender & Spender

Ready to try Lender & Spender?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Anyone who plans to clear the loan early, because free early repayment applies.
  • Dutch borrowers consolidating debts or funding home improvement, personal, debt consolidation and car and home improvement.

Who should look elsewhere

  • Cashspace, at PHP 12 to PHP 36, if the rate is the deciding factor.
  • Sofkredit, whose 10.74% to 18.06% starts higher, if the rate is the deciding factor.
  • Creduma ES, which takes no advance commission and only charges fees once a real solution is found, if nothing should be due before an offer.

Deposit protection

Lender & Spender is a direct lender, direct lender, so the money goes out on loan rather than being held for you. The safeguards to check are regulatory: it holds an Autoriteit Financiele Markten licence, 12043019, and is listed with Klachteninstituut Financioneel Dienstverlening, 300.016194, where complaints are handled. Its representative example states the total repayable amount and the annual cost percentage together.

How Lender & Spender compares

Where Lender & Spender is available

Available
Netherlands
Licence in Netherlands
Autoriteit Financiele Markten (AFM) (12043019), checked September 26, 2026
Licence in Netherlands
Klachteninstituut Financioneel Dienstverlening (KiFiD) (300.016194), checked September 26, 2026

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

Frequently asked questions

What rate would I pay on a Lender & Spender loan?+

The rate is 7.3% to 12% on a fixed rate loan, fixed rate, which sits below the personal loan median of 14.43% across this comparison. The representative example states the total repayable amount and the annual cost percentage in the same place.

Are there arrangement or setup fees?+

Nothing is charged to set the loan up. The stated origination fee is 0 EUR, no origination or setup fee stated, and the origination percentage is 0%, so the cost of borrowing is the interest on the loan itself rather than a setup charge.

Can I repay the loan early?+

Yes, free early repayment applies, so clearing the balance before the term ends adds no extra cost. The loan is fixed rate, fixed rate, so the rate stays put for the whole period and the interest stops as soon as you do.

How is my application checked?+

Every application runs a hard credit check, hard, and is also looked at in the BKR registry. Applicants with a loan or credit arrears in the past do not qualify, so a recent late payment on an existing loan can block an application.

Who regulates Lender & Spender and where do complaints go?+

It is authorised by the Autoriteit Financiele Markten, licence 12043019, and is listed with Klachteninstituut Financioneel Dienstverlening, 300.016194, which takes complaints. As a direct lender, direct lender, you deal with the lender rather than a broker.

How do I get help once I have a loan?+

Support runs on email, phone and help centre, so a question can go by email, by phone or through the help centre. For a loan running on a fixed rate, fixed rate, having a phone line helps when a payment date needs to move.

How does the cost compare with Cashspace and Sofkredit?+

Borrowing at 7.3% to 12% costs less than Cashspace at PHP 12 to PHP 36 and Sofkredit at 10.74% to 18.06%, so the Dutch option wins on the rate itself. Creduma ES charges nothing up front, but a loan still carries the cost of the credit over its term.

How much of the lending market goes unpaid?+

Across lenders in this comparison the typical share of retail loss is 70.15%, with the middle range running 65.75% to 74.5%. It measures the market rather than one lender, so it frames the risk carried by any fixed rate loan priced at 7.3% to 12%.

Sources

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

Not confirmed yet: Loan amount, Term, Funding time.

Lender & Spender

Lender & Spender

A cheap fixed rate Dutch personal loan for a borrower with a clean credit record.

9.3/10See alternatives