What Krediet.nl does

Krediet.nl is a privately held Dutch credit intermediary (loan broker) founded in 2008 and headquartered in Barneveld, Netherlands. The company operates under an AFM license (12016770) and is registered with the KVK (30137218) and Kifid (300.012307). It compares and arranges consumer loans on behalf of Dutch residents, working with a network of more than 20 credit providers — including Freo, Defam (now part of Sprankr), Qander, Lender & Spender (acquired by Auxmoney in 2023), Auxmoney (which entered the Dutch market in 2026), Lloyds Bank, Directa, and Findio — to source the lowest-rate qualifying loan for each applicant.

Its product portfolio centers on the Persoonlijke lening (fixed-rate personal loan) and includes specialized offerings such as Seniorenlening (60–78 year-olds), GreenLoans for energy efficiency and EV financing, ZZP lening for self-employed borrowers, WOZ-Krediet secured by home equity, refinancing (lening oversluiten), debt consolidation, and the Qander Flex en Zeker flexible product. The platform runs an online quote-request workflow with iDIN identity verification, BKR credit-bureau checks, and digital contract signing; a personal telephone advisor then guides applicants through selection. Quote delivery targets 24 hours and fund payout targets 2 business days.

The business model is commission-only: Krediet.nl earns referral commissions from partner lenders per successful origination and charges customers no advisory, arrangement, or administration fees. All personal loans allow penalty-free early repayment. The company is led by Director and Senior Credit Specialist Danny Lindeman (20+ years in lending) and Senior Advisor Natasja Schipper (25 years), supported by a team of 1–10 employees. Distribution is digital-first via SEO, content marketing, and verified reviews (Trustpilot 4.9/5 across 1,844 reviews).

Name

Krediet.nl

Legal name

Krediet.nl

Website

https://krediet.nl

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Krediet.nl is an independent Dutch consumer-loan intermediary, founded in 2008 and headquartered in Barneveld, that compares and arranges personal loans across a network of 20+ Dutch credit providers under AFM license, serving Dutch consumers with free advisory and commission-funded lender referrals.

Ownership category

akta.pro rank

Product category

Consumer Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Consumer loan brokerage
• Personal lending advice
• Loan comparison platform
• Credit intermediary
• Debt consolidation services

Headquarters

HQ city

Barneveld

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Commission from lenders: Krediet.nl acts as an independent broker/mediator earning commissions from credit providers when a loan is successfully placed. The company does not charge customers any fees for advisory, arrangement, or administration. Revenue is generated on a per-transaction (loan origination) basis from partner lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Krediet.nl is an independent Dutch consumer loan intermediary (advies- en bemiddelingsbureau) that compares offers from 20+ credit providers and brokers personal loans, senior loans, green loans, self-employed loans, refinancing, and debt consolidation products. The service is free for consumers and is monetized via lender commissions on successful loan placements, with a digital quote-to-payout pipeline backed by personal telephone advisory.

Product overview

Krediet.nl is an independent Dutch loan intermediary (advies- en bemiddelingsbureau) that connects consumers with multiple credit providers (kredietverstrekkers) in the Netherlands. It is not a lender itself but acts as a broker, offering an independent comparison of the broadest loan portfolio available. The core product portfolio includes personal loans (Persoonlijke lening), revolving credit (Doorlopend krediet — largely discontinued across providers), senior loans for ages 60–78 (Seniorenlening), green/energy loans (GreenLoans/Groene lening) for sustainable home measures, and self-employed loans (ZZP lening) for entrepreneurs. Supporting services include loan refinancing (lening oversluiten), debt consolidation (leningen samenvoegen), and purpose-specific loan categories spanning vehicles, housing, energy, and lifestyle. Krediet.nl works with 20+ lender partners including Freo, Defam, Qander, Lender & Spender, Auxmoney, BNP Paribas Consumer Finance, ING, ABN AMRO, Rabobank, SNS Bank, ASN Bank, Knab, Bunq, Directa, Findio, Santander, Nationale Nederlanden, Lloyds Bank, Bondora, and Revolut. The company emphasizes independent advice, fast digital processing (quote within 24 hours, funds within 2 days), and personal guidance from a dedicated advisor throughout the loan lifecycle.

Differentiator

Problem solved

Functional benefit

Brands

• GreenLoans: A green loan product offered through Krediet.nl for energy-saving measures such as solar panels, heat pumps, and home insulation, with favorable interest rates and terms up to 180 months.

Products and services

• Persoonlijke lening (Personal Loan) A lump-sum personal loan with fixed interest rate and fixed monthly payments over a set term; deposited into the customer's account with penalty-free (boetevrij) early repayment. Loan amounts up to €100,000 (solo) or €150,000+ (joint), starting rate 6.4% APR.
• Doorlopend krediet (Revolving Credit) A revolving credit facility up to a set limit allowing customers to withdraw funds as needed with variable interest rates; Krediet.nl indicates this product is no longer available for new applications at most partner providers.
• Seniorenlening (Senior Loan) A personal loan tailored for Dutch seniors aged 60-78, available where mainstream banks decline due to age; terms must be completed by age 85. Brokered through Krediet.nl's lender panel.
• GreenLoans (Groene lening) A green personal loan for sustainable home improvements (solar panels, heat pumps, insulation) and electric vehicles, with below-market interest rates and maximum terms of 180 months; also available to entrepreneurs.
• ZZP lening (Self-Employed Loan) A personal loan for Dutch self-employed borrowers (zzp'ers, VOF, Maatschap, BV owners) for private expenditures (auto, kitchen, renovation, EV), underwritten on 2-3 years of tax returns and business results rather than fixed-income criteria alone.
• Lening oversluiten (Loan Refinancing) Service that pays off existing expensive loans with a new lower-rate personal loan via Krediet.nl's lender panel; penalty-free and cost-free for the customer.
• Leningen samenvoegen (Debt Consolidation) Consolidation of multiple existing loans into a single, simpler personal loan, reducing administrative burden and potentially lowering total interest cost.
• WOZ-Krediet (Home Equity Credit) A loan underwritten against the WOZ (Waarde Onroerende Zaken) assessed value of a homeowner's property, enabling borrowing against home value.

Quantifiable outcome

• 4.9/5 Trustpilot rating from 1,844 reviews
• +3 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

20 partnerships are on record, tiered core and minor.

• FreocoreChannel Partner/ Reseller/ DistributorFreo is a major Dutch credit provider offering personal loans. Krediet.nl acts as a broker placing customers with Freo. As of mid-2026, Freo and Defam merged under the new name Sprankr.
• DefamcoreChannel Partner/ Reseller/ DistributorDefam is a Dutch mortgage and loan provider. Krediet.nl places loans with Defam, particularly for homeowners and specific loan purposes.
• Lender & SpendercoreChannel Partner/ Reseller/ DistributorLender & Spender is a Dutch peer-to-peer lending platform where investors fund consumer loans. Krediet.nl places loans with Lender & Spender. As of 2023, Auxmoney became the parent company of Lender & Spender.
• QandercoreChannel Partner/ Reseller/ DistributorQander is a Dutch credit provider offering personal loans and the Flex en Zeker (flexible) loan product. Krediet.nl places loans with Qander, including senior loans up to age 80.
• AuxmoneycoreChannel Partner/ Reseller/ DistributorAuxmoney is a German online lending platform (Düsseldorf, founded 2007) now active in the Netherlands since 2026. Uses data-driven credit assessment via its ockto-app. Krediet.nl places loans with Auxmoney and is its parent company of Lender & Spender.
• Lloyds BankminorChannel Partner/ Reseller/ DistributorLloyds Bank is a UK-based bank offering personal loans in the Dutch market through Krediet.nl's platform.
• BNP Paribas Consumer FinanceminorChannel Partner/ Reseller/ DistributorBNP Paribas Consumer Finance is the consumer finance arm of BNP Paribas. However, as of November 1, 2024, BNP Paribas stopped offering new consumer loans in the Netherlands. Krediet.nl no longer places new loans with this partner.
• RabobankminorChannel Partner/ Reseller/ DistributorRabobank is a major Dutch cooperative bank. Krediet.nl can arrange loans for customers rejected by Rabobank directly, offering alternative lending options.
• INGminorChannel Partner/ Reseller/ DistributorING is a major Dutch bank. Krediet.nl serves customers rejected by ING or seeking better rates than ING's offering (6.8–11.9% ING vs. 6.4% starting rate at Krediet.nl).
• ABN AMROminorChannel Partner/ Reseller/ DistributorABN AMRO is a major Dutch bank. Krediet.nl serves customers seeking better rates than ABN AMRO's minimum of 7.5%, offering independent comparison across multiple lenders.
• ASN BankminorChannel Partner/ Reseller/ DistributorASN Bank (merged entity of ASN, SNS, RegioBank, and BLG Wonen from July 2025) is a Dutch bank. Krediet.nl compares ASN Bank's offerings against other lenders for customer benefit.
• SantanderminorChannel Partner/ Reseller/ DistributorSantander Consumer Finance Nederland stopped offering personal loans as of early 2026. Krediet.nl serves former Santander customers seeking refinancing or loan increases.
• Nationale NederlandenminorChannel Partner/ Reseller/ DistributorNationale Nederlanden stopped offering consumption credit years ago. Krediet.nl serves former NN customers seeking additional loans or refinancing.
• FindiominorChannel Partner/ Reseller/ DistributorFindio specializes in auto financing. Krediet.nl compares Findio's offerings against other lenders for customers seeking car loans.
• DirectaminorChannel Partner/ Reseller/ DistributorDirecta is a Dutch direct lender. Krediet.nl compares Directa's rates (starting 4.0% for personal loans up to €60,000) against other providers.
• InterbankminorChannel Partner/ Reseller/ DistributorInterbank stopped offering consumption credit in 2022. Krediet.nl helps existing Interbank customers refinance or add additional loans.
• BunqminorChannel Partner/ Reseller/ DistributorBunq is a Dutch neobank (app-based). Bunq does not currently offer personal loans. Krediet.nl directs customers to alternative lenders.
• KnabminorChannel Partner/ Reseller/ DistributorKnab is a Dutch online bank. Knab does not offer consumer credit. Krediet.nl directs Knab customers to alternative lenders.
• RevolutminorChannel Partner/ Reseller/ DistributorRevolut is a Lithuanian neobank active in the Netherlands. Revolut does not offer personal loans. Krediet.nl directs customers to alternative lenders.
• BondoraminorChannel Partner/ Reseller/ DistributorBondora is an Estonian lending platform not supervised by the AFM. Krediet.nl warns customers against Bondora's higher costs and risks, directing them to supervised Dutch lenders.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Others

• SPRANKR (formerly Freo + Defam): Combined Dutch consumer credit provider formed via the 2026 merger of Freo and Defam. Krediet.nl is a core distribution partner that places loans with both legacy brands; they are a key supplier on the broker's panel rather than a direct competitor.
• Qander: Dutch credit provider offering personal loans and the Flex en Zeker flexible product. Core placement partner on Krediet.nl's lender panel and parent to a senior-focused proposition (up to age 80)—more lender than competitor.

Direct peers

• Geld.nl: Dutch online comparison site for personal loans, mortgages, and credit cards. Operates the same Dutch loan intermediary model—free customer advisory funded by lender commissions—making it the closest head-to-head peer to Krediet.nl.
• Pricewise: Netherlands-based comparison platform for financial products (loans, insurance, energy, telecom). Competes for the same Dutch consumer loan comparison wallet as Krediet.nl, though with a broader cross-vertical portfolio.
• Consumind: Dutch independent financial advisor for consumer credit, mortgages, and insurance. Comparable to Krediet.nl in that it provides fee-free intermediary services on consumer loans via multi-lender panels in the Netherlands.
• Findio: Dutch credit intermediary specializing in auto financing. Comparable to Krediet.nl's 'Lening oversluiten' and auto loan category—both operate as multi-lender brokers in the Dutch market with a similar commission-based model.
• Independer.nl: Dutch financial product comparison platform that helps consumers compare and switch insurance, energy, and personal loan products. Most direct competitor to Krediet.nl on the loan brokerage side, operating with a similar lead-generation + commission model in the Netherlands.

Emerging players

• Directa: Dutch direct personal loan provider (starting rates advertised from 4.0%). Functions as a placement partner to Krediet.nl but also competes for the same direct-to-consumer Dutch personal loan demand with aggressive pricing.
• Auxmoney: German digital lending platform that expanded into the Netherlands in 2026 and is the parent company of Lender & Spender. Auxmoney is both a direct lender accessed by Krediet.nl and an emerging participant in Dutch consumer credit with overlapping product categories.

Broad incumbents

• Compare the Market (NL): Established UK-headquartered comparison brand operating in the Netherlands across insurance, energy, and financial products. A larger incumbent with overlapping loan comparison capability but a much broader cross-vertical portfolio.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/krediet-nl

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Krediet.nl