Geldshop
Geldshop is a Dutch consumer loan broker, founded in 1999, that submits applications to 5+ Dutch banks via a digital platform and self-service portal, earning lender commissions on successfully originated personal loans, refinancings, and sustainability loans.
- Company typePrivate
- Founded1999
- HeadquartersRijswijk, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Geldshop does
Geldshop (legal entity: Geldshop.nl B.V.) is a Dutch financial intermediary that brokers consumer credit products for individual borrowers in the Netherlands. Founded in 1999 and headquartered in Rijswijk/Den Haag, the company operates a 100% digital platform (geldshop.nl) supplemented by phone and WhatsApp support, serving Dutch consumers seeking personal loans, refinancing, home improvements, auto financing, and sustainability upgrades. The platform submits each application simultaneously to 5+ credit providers (including Qander, Defam, Lender & Spender, and major Dutch banks such as ABN-AMRO, ING, Freo, Directa, and Santander), then returns the most competitive quotes to the customer.
The core product portfolio comprises the Persoonlijke lening (fixed-rate personal loan, €2,500-€100,000, terms up to 180 months, JKP 3.6%-9.0%), the Flex en Zeker Lening (flexible credit with fixed rate, up to €75,000, maximum 120 months), the Combinatiekrediet (combination credit), and the Doorlopend krediet (revolving credit from €5,000). The technology backbone is a web-based brokerage platform integrated with the Mijn Geldshop customer portal (mijn.geldshop.nl), which supports digital application intake, document upload, electronic signature, and ongoing loan management. Trade names operating under Geldshop.nl B.V. include Geldshop, Geldshop Verzekeringen, Geldlenen.nl, and Lenen.nl.
Geldshop's revenue model is commission-based: loan services are free for customers, and the company earns referral commissions from the lending banks on each successfully facilitated loan. The business is licensed by the Autoriteit Financiële Markten (AFM, registration 12.004.993) and registered with Kifid (300.002.388) for dispute resolution. With 11-50 employees and no disclosed funding, ownership remains private and independent, with no parent company or institutional investor relationships identified.
Geldshop firmographics
Firmographics- Name
- Geldshop
- Legal name
- Geldshop.nl B.V.
- Website
- https://geldshop.nl
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Geldshop is a Dutch consumer loan broker, founded in 1999, that submits applications to 5+ Dutch banks via a digital platform and self-service portal, earning lender commissions on successfully originated personal loans, refinancings, and sustainability loans.
- Ownership category
- akta.pro rank
Geldshop industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
- akta.pro secondary industry
- Balance Transfer & Credit Card Refinance Loans (FSAKAIAA)
Keywords
Where Geldshop is headquartered
LocationHeadquarters
- HQ city
- Rijswijk
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Geldshop business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Brokerage Commission: Geldshop acts as an intermediary between consumers and credit providers (banks). The service is completely free for customers - Geldshop receives commissions from the lending banks for each successfully facilitated loan.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Monthly | Personal Loan (Persoonlijke lening) - Fixed amount, fixed rate, fixed term |
| One time/ perpetual license | Monthly | Flex en Zeker Lening - Flexible credit with fixed rate |
| Usage-based | Monthly | Doorlopend Krediet - Revolving credit |
| One time/ perpetual license | Monthly | Sustainability/Home Improvement Loans |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Geldshop product offering
Product offeringCore offering
Geldshop is a Dutch licensed credit intermediary that compares and brokers consumer loan products from multiple banks and credit providers on behalf of individual borrowers. The company distributes a single application to 5+ lending partners (Qander, Defam, Lender & Spender, ABN-AMRO, ING, Freo, Directa, Santander) and presents matched offers to customers through a 100% digital platform with personal assistance. Product offerings include personal loans, flexible credit, combination credit, revolving credit, and loan refinancing, with loan amounts ranging from €2,500 to €225,000.
Product overview
Geldshop is a Dutch financial services broker/intermediary that offers consumer credit products primarily for personal loans and refinancing. The core product portfolio consists of the Persoonlijke lening (Personal loan), Flex en Zeker Lening (Flexible and Secure loan), Combinatiekrediet (Combination credit), and Doorlopend krediet (Revolving credit). They also provide loan refinancing services. Geldshop acts as an intermediary, submitting loan applications to multiple partner banks (including Defam, Lender & Spender, and Qander) on behalf of customers. Customers access their accounts through the Mijn Geldshop self-service portal. Trade names include Geldshop Verzekeringen, Geldlenen.nl, and Lenen.nl, all under Geldshop.nl B.V.
Differentiator
Problem solved
Functional benefit
Products and services
- Persoonlijke lening (Personal Loan) Personal loan product brokered to consumers with a fixed interest rate, fixed monthly payment, and predetermined term. The borrower receives the entire loan amount in one transaction and repays a fixed monthly amount covering both interest and principal. Loan amounts range from €2,500 to €100,000 (up to €225,000 via multiple lenders), terms up to 180 months, with JKP ranging from 3.6% to 9.0%.
- Flex en Zeker Lening (Flex & Secure Loan) A flexible credit facility with a fixed interest rate that allows additional withdrawals within an agreed credit limit during the first 24 months, followed by fixed monthly repayments. Maximum credit limit of €75,000 and maximum term of 120 months, with JKP ranging from 3.6% to 9.0%.
- Combinatiekrediet (Combination Credit) A combination credit product that allows borrowers to combine multiple financing needs into a single loan structure offered via Geldshop's brokerage platform.
- Doorlopend krediet (Revolving Credit) A revolving credit facility in which the borrower can repeatedly withdraw the loan sum, in whole or in part, during the term. Interest is calculated on the outstanding balance, and monthly payments cover interest and principal. Minimum loan amount €5,000, with starting interest rates from 10.2% for a €25,000 facility.
- Lening oversluiten (Loan Refinancing Service) Refinancing service that allows borrowers to consolidate existing loans into a single new loan offered by a partner bank, potentially lowering the interest rate, reducing monthly payments, or simplifying multiple obligations into one facility. Includes dedicated savings calculator ('oversluitvoordeel berekenen').
- Mijn Geldshop (Customer Portal) An online customer portal where borrowers can view received quotes, upload documents digitally, monitor application status, manage active loans, make withdrawals, and adjust credit limits. Provides ongoing relationship continuity and retention value for Geldshop.
Quantifiable outcome
- Applications submitted to 5 different banks simultaneously, increasing chance of approval
- +2 more outcomes
Companies that use Geldshop
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Geldshop technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Geldshop partnerships and signals
Strategic signalScale indicators3 records
Recent moves1 record
Expansion highlights5 records
Geldshop competitors and assessment
Company assessmentDirect peers
- Pricewise: Dutch price comparison platform covering personal loans, mortgages, insurance, and energy. Comparable to Geldshop through its consumer credit brokerage offering and multi-partner lender network in the Netherlands.
- Krediet.nl: Dutch online loan broker specializing in personal loans and credit products with multiple lender partnerships. Comparable to Geldshop in target customer (Dutch consumers seeking personal loans), product portfolio, and brokerage commission model.
- Geld.nl: Direct Dutch loan comparison platform that connects consumers with multiple lenders for personal loans, mortgages, and credit products. Closely comparable to Geldshop in product mix, customer segment, and multi-bank brokerage model in the Netherlands.
- Financer.com: European consumer finance comparison platform operating in multiple countries including the Netherlands, offering loan and credit product brokerage. Directly comparable in multi-lender brokerage mechanics and consumer target segment.
- Rente.nl: Dutch interest rate and loan comparison site that aggregates offerings from multiple banks. Comparable to Geldshop through its Dutch-market focus, multi-lender comparison approach, and consumer loan brokerage activity.
- Independer.nl: Major Dutch financial comparison platform offering loan, mortgage, and insurance brokerage. Directly competes with Geldshop in Dutch consumer credit intermediation with similar multi-lender comparison and free-customer-service model.
Broad incumbents
- ABN AMRO: Major Dutch retail bank listed as a Geldshop partner lender. As a broad incumbent, ABN AMRO offers personal loans directly and through intermediaries, representing the supply-side counterparty to Geldshop's brokerage activity.
- Santander Netherlands: Dutch consumer banking arm of Banco Santander, listed as a Geldshop lending partner. Comparable as a broad incumbent offering personal loan products both directly and through Dutch brokers like Geldshop.
- ING Bank Netherlands: One of the largest Dutch retail banks and a partner lender for Geldshop's platform. While not a direct broker, ING's growing direct digital lending capabilities represent both a partner and a long-term competitive threat to Geldshop's intermediation role.
Others
- Qander Consumer Finance: Dutch consumer finance provider and core lending partner for Geldshop, with 25+ years of experience and approximately 100 employees. Connected as a critical upstream supplier of loan capital whose terms and continuity directly affect Geldshop's ability to place applications.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Geldshop social profiles
Digital presenceGeldshop financial estimates
Financial estimateRevenue estimate
Valuation estimate
Geldshop leadership team
Management profileNumber of profiles
Geldshop funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Geldshop M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Geldshop
What does Geldshop do?
Geldshop is a Dutch licensed credit intermediary that compares and brokers consumer loan products from multiple banks and credit providers on behalf of individual borrowers. The company distributes a single application to 5+ lending partners (Qander, Defam, Lender & Spender, ABN-AMRO, ING, Freo, Directa, Santander) and presents matched offers to customers through a 100% digital platform with personal assistance. Product offerings include personal loans, flexible credit, combination credit, revolving credit, and loan refinancing, with loan amounts ranging from €2,500 to €225,000.
Is Geldshop a public or private company?
Geldshop is a private company. It is classified as unknown and is currently operating.
When was Geldshop founded?
Geldshop was founded in 1999. It employs 11 to 50 people.
Where is Geldshop based?
Geldshop is headquartered in Rijswijk, Netherlands, in the Europe region.
How does Geldshop make money?
One revenue line is on record: brokerage Commission.
Who are Geldshop's main competitors?
Direct peers on record are Pricewise, Krediet.nl, Geld.nl, Financer.com, Rente.nl and Independer.nl. Broad incumbents are ABN AMRO, Santander Netherlands and ING Bank Netherlands. Qander Consumer Finance is listed as an others.
Does Geldshop have an API?
No public API is recorded for Geldshop.
What industry is Geldshop in?
Geldshop's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAJAH, Credit Counseling & Debt Management Plans (DMP), with a secondary code of FSAKAIAA, Balance Transfer & Credit Card Refinance Loans. Its NAICS code is 5223 and its SIC code is 6163.