How FLUX5 works

From first conversation to a formal loan in three steps, without a bank.

The whole journey, step by step

Most loans are signed within a day. Here is exactly what happens.

01
Talk it through
Agree on the amount, the term and a fair rate together. Nothing is set until both sides are happy.
02
Check the rate
Our calculator shows the market-conform band for your situation, so the Belastingdienst accepts it and nobody gets a gift-tax surprise.
03
Sign the contract
We generate the written onderhandse lening agreement. Both sides sign digitally in the app, legally binding, no notary needed.
04
Relax
Payout happens in days. Repayments debit monthly and both sides track progress in the app until the last euro.

Calculate your loan in under a minute, or talk to us first.