Mini loan.
Borrowing money comes in all sorts of different forms and sizes. From huge sums with long terms, for example, to finance a house purchase, better known as a mortgage, to small amounts that can help you bridge a period of financial hardship, better known as a mini-loan. Saldodipje offers such a mini-loan; let's take a look at what it entails.
When you want to borrow money from a bank, it often involves a minimum amount of €2,500. If you want to borrow a smaller amount, the bank will only offer solutions like an overdraft or a credit card. But what if you want to borrow money without a credit card, or if you can or want to overdraw your account?
In that case, there are some lenders who offer mini-loans. They're also sometimes called microcredit or flash loans. These are loans starting at €100, which you can take out for a short term.
Saldodipje is one of the few lenders where you can submit your application completely online and borrow from 100 euros to 1800 euros.
What is a Mini Loan?
A Mini Loan is a small loan with a short term. At Saldodipje, you can take out a loan starting from €100 and up to €1,000.
If you take out a Miniloan with Saldodipje for €100, €200, €300, €400, or €500, the loan term is 30 days. This means you have to repay the loan after 30 days. However, if you choose €600, €700, €800, €900, or €1000, the term is 45 days.
The Saldodipje Mini Loan consists of one loan term, meaning you repay it in one go after the term of 30 or 45 days (depending on the amount you choose) has expired.
Do you need an amount between €1,100 and €1,800? Then you can apply for the Plus loan from Saldodipje .
Why choose Saldodipje?
No difficult contracts or complicated procedures.
If approved, you will receive the money within 24 hours.
100% online
The pros and cons of a Mini Loan
Borrowing a small amount, like almost any loan, has its pros and cons. Whether it's the right choice for you depends on your situation. Below, you'll find the key pros and cons, so you can make an informed decision about whether a mini loan is right for you.
Advantages
- Instantly available – Do you have an unforeseen expense, but hasn't your salary been deposited yet for this month? Then a quick mini-loan offers a solution, as it's often available immediately. If your application is approved, Saldodipje will transfer the loan amount to you within 24 hours, even on weekends.
- Financial flexibility – Borrowing a small amount can help with unexpected expenses or financial setbacks, such as medical expenses or car repairs. It offers a little extra financial flexibility to deal with such unforeseen situations.
Disadvantages
- Borrowing costs – As with any loan, even a small loan costs more than spending it outright. You'll pay interest and potential additional fees on your loan. Therefore, borrowing money is almost always more expensive than using your own funds to pay it.
You can quickly borrow money from Saldodipje within 4 simple steps.
01.
Select the desired loan amount and term.
02.
Enter your information.
03.
Verify your bank account.
04.
Perform the identity-verification.
Responsible borrowing
Are you interested in taking out a Miniloan with Saldodipje? Then it's important to proceed responsibly. Good preparation is essential so you know exactly what to expect. This also speeds up the process, so you'll have that temporary financial boost in your account even faster.
First, map out your financial situation so you can see exactly what's coming in and going out. This way, you can easily see where the Saldodipje loan and its repayments fit into this picture. The Nibud Risk Meter can be helpful here.
Next, consider your loan purpose. What are you borrowing the money for? If you don't know the exact amount, it's wise to estimate it slightly more generously, if you can afford it. This way, you avoid borrowing too little and needing the money again during your loan term.
Ready to take out your Mini Loan? Then choose your desired amount and term, have your details ready, and start the application process quickly and easily. Once received, Saldodipje will do everything possible to assess your application as quickly as possible. If your application is approved, the amount will be deposited into your account within 24 hours, even on weekends!
How can I get a loan?
To apply for a loan online, simply choose the amount you need and click Apply. During the application process, you must authenticate yourself online and provide us with your financial information. Don't worry – you will be guided all the way through the loan application process.
You must also meet the acceptance criteria for a loan, such as age, fixed income and Dutch address. Together, all these requirements ensure that you will not be faced with any unwanted surprises and that you can keep your financial situation in balance.
Once you have submitted the online credit application, we will transfer the loan amount to your account within 24 hours after approval. Don't forget that our friendly customer service team is always ready to help you if you have any questions!
What do I need before applying for a loan?
To make the application process as smooth as possible, we ask you to have these details ready before you submit an application:
- A clear scan or photo of the front and back of a valid ID card or passport.
- Your employment status (full-time, part-time).
- Your gross monthly income (the amount you earn before taxes).
- Your monthly recurring expenses (cost of repayments of other loans).
- Your employment start date.
- Your IBAN.
- Your bank card and e-dentifier.
Need more than 1000 euros?
Need a little more than what Saldodipje's Mini Loan offers? Good news, because in addition to the Mini Loan, Saldodipje also offers the Plus Loan. This loan starts at €1,100 and goes up to €1,800. The application process is the same; you can easily apply for the Plus Loan digitally, and once approved, it will be deposited into your account within 24 hours (even on weekends).
The Plus Loan has a slightly longer term, 62 days. This term is also split into two periods, each 31 days long, or one month. So, after the first month, you repay the first half of your loan plus interest. After the second month, you repay the remaining half plus interest.
Borrow quickly and easily online
No matter how much you need, an online loan should be simple and straightforward. That is why we at Saldodipje have made the online loan application as simple as possible. You only need your phone to submit your online credit application - no more waiting in line for hours!
Selecting the right loan amount and term depends on your needs. Are you looking for a financial expense or an advance on your salary? Our online loan calculator gives you a quick look into your loan details. By adjusting your loan amount or term, you can immediately view your total borrowing costs, including the associated interest.