Borrow 50 euros for free with Balance Dip?

Saldodipje advertises that you can borrow 50 euros for free without any costs. Balance Dip is a provider of a mini-credit where you can borrow a relatively small amount for a short repayment period. No interest and only treatment costs if you borrow more than 50 euros. What can you borrow and under what conditions?

What is Balance Dip?

Balance dip gives the opportunity to borrow a relatively small amount from as little as 50 euros (free). You can register with this company for free and use the service when you need it. You can borrow 50 euros for free and service costs will be charged for higher amounts. Balance Dip is part of the Ferratum company and is a provider of mini-credits. With this company you can easily take out a loan for a relatively small amount between 50 and 500 euros with a repayment period of between 15 and 30 days. On the website you can find more information about the company itself, how and what you can borrow and the conditions.

What kind of loan does Saldodipje offer?

Balance Dip offers a mini-credit loan, which you can take out by sending an SMS and the amount will be in your account within a few minutes. You pay no interest and only treatment costs, with the exception of the first time you borrow 50 euros. Then you don’t have to pay anything at all. With a mini-credit you must repay the amount within 15 or 30 days. Saldodipje can take care of this because they have an account number with most major banks.

What can you borrow from Saldodipje?

You can borrow the following amounts from Saldodipje:

  • 50
  • 100
  • 200
  • 300
  • 400
  • 500

Running times:

With Saldodipje you can enter into a term of between 15 and 30 days. If the repayment day falls on a non-working day, the next working day is the day on which the loan must be repaid.

How much does a loan from Saldodipje cost?

The treatment costs differ per amount and per term, but as mentioned earlier, Saldodipje does not charge any treatment costs when borrowing 50 euros. See below for an overview of a few options:


Duration 15 days

Duration 30 days







What conditions apply to Balance Dip?

When taking out a mini-credit you agree to the terms and conditions of Balance Dip. The main conditions are that you are between 21 and 70 years old and live in the Netherlands. You must be competent to handle treatment and authorized to take out a loan. In addition, the condition is that you are not bankrupt and are in default in repaying a loan from a third party. You can read all the conditions on the Saldodipje website.

How does the loan process work at Saldodipje?

At Saldodipje you must first make an application. You do this by printing a form and indicating that you agree to the conditions. You must also send a copy of your passport with a copy of your salary specification and a print screen of internet banking or bank statement. If your application is approved, you will receive a letter with a PIN code the next day and you can use this to log in to the website and from here you can then borrow money by means of a text message, which will be credited to your account within a few minutes.