Saldodipje review

The published rate is 11.57%, and the representative example shows a mini loan repaid over a short term with total repayment a little above the amount borrowed. Over that stretch the charge is modest, which is what makes a small loan workable at this rate.

Amounts run €100 to €1,000, a small band meant for a short gap rather than a large expense. Personal and payday loans are both among the personal, payday and guarantor types listed, so the shape of the loan can follow the sum. Anything above that belongs with a different lender.

Terms run 30 to 45, so a mini loan here is repaid quickly rather than carried for years. Because every loan is fixed rate, the amount paid across the term does not shift with market rates.

Funding runs Within 24 hours of approval, also at weekends, which covers most urgent bills without a long wait. The paper side matters more: you need a Dutch home address, valid ID, a bank account, a fixed income and a personal guarantor living in the Netherlands.

Eligibility rests on the borrower and a second person. The borrower must be an adult with a fixed income, a Dutch home address, valid ID and a bank account, and the guarantor must also be an adult living in the Netherlands. The guarantor arrangement is one of the personal, payday and guarantor types listed.

The lender trades as Saldodipje S.L., the legal entity, and the brand was founded in 2020. It is registered in Spain and works as a direct lender, so you deal with the lender that carries the balance rather than a broker.

Support runs through a help centre, which covers the questions applicants ask most often. There is no phone line or live chat listed, so anything urgent has to go through written answers. Read the eligibility wording there first, since the guarantor rule is the part most likely to stop an application.

Among payday loans the median rate is 36.5%, and for personal loans it is 12.25%. The 11.57% here sits under both figures, and it ranks at 173 of 350 brands on that measure.