A Netherlands mini-loan comparison calculator lines up short-term offers (typically a few hundred to a few thousand euros) from AFM-supervised providers in one place. You enter the amount and term you want, plus a few basics about your situation.
In the Netherlands, the mini-loan comparator then normalises every result so you can compare like-for-like: monthly repayment, APR (JKP – jaarlijks kostenpercentage), total amount repayable, any fees (administration, subscription, guarantee/insurance), and whether same-day/next-day payout is possible.
In the Netherlands, under the hood, a good calculator runs a quick eligibility check without harming your credit record (e.g., soft checks and optional Open Banking/PSD2 affordability screening); it estimates your likelihood of approval with each lender and can sort by what matters to you—lowest total cost, fastest payout, longest term, or highest acceptance odds.
Treat the calculator as a decision aid, not a guarantee. Avoid multiple simultaneous applications that create hard checks, confirm the total amount repayable fits your budget, and consider alternatives if repayments look tight—e.g., municipal Kredietbank options, employer salary-advance schemes, or budget coaching (e.g., Nibud/Geldfit resources).
Which lenders are offering small loans in the Netherlands?
Lenders Providing Small Loans in the Netherlands
| Lender | Type of Service | Maximum Loan Amount | Loan Term | APR Range | Online Application |
|---|---|---|---|---|---|
| KleinKrediet | Mini Loan | €1500 | 15-30 days | Varies | Yes |
| SnelleLening | Quick Loan | €1000 | Up to 45 days | Varies | Yes |
| DirectGeld | Instant Loan | €500 | 30 days | Varies | Yes |
| SpoedKrediet | Emergency Loan | €750 | 30-60 days | Varies | Yes |
| GeldVoorschot | Advance Loan | €600 | 15-30 days | Varies | Yes |
How do mini loans in the Netherlands compare to other types of credit?
Comparison of Credit Types in the Netherlands
| Type of Credit | Accessibility | Repayment Terms | Loan Amounts | Interest Rates |
|---|---|---|---|---|
| Mini Loans (Flitskrediet) | Highly accessible online | Short-term, often 15 to 30 days | Small, usually up to €1500 | Higher due to short-term nature |
| Personal Loans | Subject to credit checks | Medium to long-term, typically 1 to 5 years | Higher, from a few thousand to tens of thousands of euros | Lower, fixed over the term of the loan |
| Credit Cards | Accessible with a bank account, subject to credit approval | Flexible, but interest accrues on outstanding balance | Varies, often several thousand euros | Can be high, but with interest-free periods |
| Overdrafts | Linked to a bank account, subject to approval | Very flexible, but meant for short-term | Varies, typically lower than personal loans | Can be high, especially for unarranged overdrafts |
| Revolving Credit | Subject to credit checks | Flexible, can be used repeatedly up to a certain limit | Varies, generally up to a few thousand euros | Generally lower than mini loans, but variable |