Peer-to-peer lending
Borrow directly from people who believe in you.Fair rates. No bank in between.
FLUX5 connects borrowers and investors in one app. Market-conform rates, the paperwork handled for you, and money in your account within days, built for the Netherlands.
- €12M+
- Funded by members
- 7,4%
- Average rate
- 4,8/5
- Member rating
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What we do
We make it easy to formalize loans between people, with contracts that actually get repaid.
Works with every Dutch bank
FLUX5 connects to all major Dutch banks through secure PSD2 connections. Payouts and repayments just work.
Sophie paid on time
+ €250.00
Interest earned
+ €38.20
Payout to Sophie
€10,000
Signed by both sides in the app. Stored and Belastingdienst-proof.
+€412
Earned in one year on a €10,000 loan
What FLUX5 makes possible
Real loans between real people, formalized in minutes.
3 steps
From handshake to signed contract
100%
Market-conform rates per Belastingdienst rules
24/7
Automatic repayment tracking
2 min
Average time to a formal loan
Formal, not awkward
A written agreement with a market-conform rate and digital signatures, no uncomfortable conversations at the birthday table.
Built for Dutch rules
Every contract follows the Belastingdienst requirements for an onderhandse lening, including the 360-month annuity rule for mortgage interest deduction.
How FLUX5 works
One app, two sides of the loan
Whether you need money or want to put your money to work, FLUX5 formalizes the loan between you.
For borrowers
Borrow from people who know you
Skip the bank. Agree on a fair rate with family, friends or other members, with a proper contract.
- Market-conform rates per Belastingdienst rules
- Written agreement handled for you
- Money in your account within days
For lenders
Lend to your children, family or friends
Put your savings to work at a rate you agree on together, formalized and repaid automatically.
- Interest income instead of ~0% at the bank
- Automatic monthly repayments
- Fiscally sound, no gift-tax surprises
From handshake to contract in three steps
No bank, no paperwork maze. You agree on the terms, FLUX5 makes it official and keeps it running.
Calculate your loan- 01
Set the terms together
Amount, term and a market-conform rate that works for both sides. Our calculator shows what the Belastingdienst considers acceptable.
- 02
Sign digitally
We draft the written agreement for you. It is clear, legally binding and Belastingdienst-proof. Both sides sign in the app.
- 03
Money moves, automatically
The lender pays out, the borrower receives within days. Monthly repayments debit automatically, with live progress for both.
Loan calculator
What does a peer-to-peer loan cost?
Move the sliders and see your monthly payment instantly. Rates within the green band are market-conform, as the Belastingdienst expects for a private (onderhandse) loan.
Market-conform rate
Market-conform band: 3.8% – 4.8%
For mortgage interest deduction (renteaftrek) the loan must be repaid annuity-style within a maximum of 360 months, and reported in your tax return.
Monthly payment
€227.14
- Total interest
- €902.50
- Total repayment
- €10,902.50
For an onderhandse lening the Belastingdienst expects a written agreement and a market-conform (arm’s-length) interest rate. A rate that is too low can be treated as a gift (schenking).
Indicative calculation based on annuity repayment. No rights can be derived from this tool; consult the Belastingdienst or a tax advisor for your situation.
Families already lend with FLUX5
Real stories from parents, children and friends who formalized their loan.
I lent my daughter €25,000 for her first apartment. FLUX5 made it feel safe. The contract and the repayments just happen.
No bank would help me as a freelancer. My parents lent me €8,000 at a fair rate, everything official, zero awkwardness.
A better return than my savings account, and I help my son at the same time. The monthly repayments arrive like clockwork.
Why families trust FLUX5
Built for the Netherlands, secure, compliant and transparent by design.
Bank-level encryption
All data is encrypted in transit and at rest, the same standard your bank uses.
Legally binding contracts
Every loan gets a written agreement that meets the Belastingdienst requirements for an onderhandse lening.
Secure bank linking
Payments run over PSD2-compliant connections. We never see your bank password.
Dutch company, GDPR compliant
FLUX5 B.V. is registered at the Dutch KvK. Your data stays in the EU.
Latest articles
Guides on peer-to-peer lending, rates and borrowing smart in the Netherlands.
The 2026 Dutch gift exemptions explained: €6,908 per child, €2,769 for others, the €33,129 one-time exemption, and the smart loan-plus-gift combo.
When does the Belastingdienst treat your family loan as a gift? How to keep it a real loan, and avoid schenkbelasting.
How the Dutch family mortgage works: interest deduction (renteaftrek), the 360-month annuity rule, market-conform rates and whether you need a notary.
Get the app
Your next loan is one tap away.
Download FLUX5 and arrange your peer-to-peer loan from your phone, transparent rates, no bank in between.