Lending software for the Netherlands

A digital-first market where every consumer loan is registered with BKR and paid via iDEAL. lendhero arrives with BKR, iDIN and SEPA already connected, so your team configures products instead of plumbing.

See the local stack
  • EUR (€)
  • Dutch, English
  • 17 local connectors
  • 1–2 weeks to launch

Hoi, Sanne

Approved€ 5.000

754

Credit score

On-time payments

Monthly payment€ 123

Market profile

Netherlands at a glance

What lendhero is set up for in Netherlands before your team logs in.

Currency

EUR (€)

Languages

Dutch, English

Supervisor

AFM and DNB

Credit data

BKR, Experian Nederland

Payout rails

SEPA, SEPA Instant, iDEAL

Data protection

GDPR and the UAVG

17
local connectors wired in before kickoff
EUR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Dutch, English

Working with borrowers in Netherlands

Tools for every borrower conversation

Borrowers in Netherlands apply, sign, pay and come back for repeat loans in Dutch and EUR.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Sinch automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSinch
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Dutch.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Sanne · Consumer loan, 6 months · € 5.000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Netherlands stack, connected before kickoff.

BKR, iDIN, SEPA and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • BBKR
    • EExperian Nederland
  • Identity & KYC3 connectors
    • iiDIN
    • OOnfido
    • SSignicat
  • Bank & alternative data3 connectors
    • TTink
    • PPonto
    • NNordigen
  • Disbursement rails3 connectors
    • SSEPA
    • SSEPA Instant
    • iiDEAL
  • Repayments & collections2 connectors
    • SSEPA Direct Debit
    • iiDEAL
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in Netherlands

Applicants are checked with BKR and Experian Nederland, and money moves via SEPA and SEPA Instant.

Client checks

Checks connected in Netherlands:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationiDIN, Onfido, SignicatPass
  • Credit bureausBKR, Experian NederlandPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, Ponto, NordigenReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Netherlands:

DisbursementSEPA, SEPA Instant, iDEAL in EUR
RepaymentSEPA Direct Debit, iDEAL
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SEPA
  • SEPA Instant
  • iDEAL
  • SEPA Direct Debit

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in EUR are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

€ 5.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid € 1.780 of € 5.3502 of 6 payments
DateAmountStatus
Sep 4€ 890Paid
Oct 4€ 890Paid
Nov 4€ 890Due in 7 days
Dec 4€ 890Upcoming
Jan 4€ 890Upcoming
Reminder sentYour payment of € 890 is due Nov 4

Loan flow

How a loan runs in the Netherlands. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in Dutch and English.
  2. 02VerifyIdentity and documents are checked through iDIN and Onfido.
  3. 03DecideScorecards pull BKR and Experian Nederland data and return a decision in seconds.
  4. 04DisburseFunds go out via SEPA or SEPA Instant in EUR, straight after signing.
  5. 05CollectRepayments arrive via SEPA Direct Debit and iDEAL, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

€ 5.000

Next payment

€ 890 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

SanneVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in the Netherlands launch on .

Consumer instalment loansPersoonlijke leningen with BKR checks.
BNPL & POSAchteraf betalen for online retailers, within AFM rules.
Business lendingLoans for SMEs and ZZP freelancers.

Compliance

Configured for AFM and GDPR and the UAVG.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in the Netherlands.

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR and the UAVG requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR and the UAVG.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for AFM rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Western Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in the Netherlands?+

Yes. The platform is set up for EUR, Dutch and English and AFM requirements, with 17 local connectors ready on day one.

Which credit data sources are connected in the Netherlands?+

BKR, Experian Nederland. On top of that, identity checks run through iDIN, Onfido and Signicat and bank data comes from Tink, Ponto and Nordigen.

How do borrowers get paid and repay?+

Payouts go out via SEPA, SEPA Instant and iDEAL in EUR. Repayments arrive via SEPA Direct Debit and iDEAL, with reminders over WhatsApp Business and Sinch.

How long does a launch in the Netherlands take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 17 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Netherlands? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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