Frequently asked questions:

What does a financial planner do?

Employees sometimes have questions when it comes to their financial future. Adding a child or a child going to college. Quitting work earlier. What about retirement? What is needed? What is feasible? We work with certified financial coaches who can help your employees answer these questions.

What is budget coaching?

Sometimes someone just can't get by. And someone has lost track of his financial situation. Calling in a budget coach can make all the difference. We only work with certified budget coaches who can help employees who need it to regain an overview of their financial situation. Where they can put those worries aside. And get back to work focused.

Do you do a BKR test?

To determine that a loan is justified, we check each application with the BKR.

Are loans from my employees registered with the BKR?

Yes. All lenders in the Netherlands are required to register every loan they provide with the BKR. So we are also obliged to do so in the case of loans we provide to your employees.

What does a loan look like that an employee can take out with you?

You can borrow from us an amount between €1,000 and €25,000. The term of the loan is up to you, always between 6 and 120 months. The interest rate of the loan is fixed and always remains the same. Every month a borrower pays the same amount with us. Only in the first and last month this amount can be different.

Who can apply for a loan from you?

An employee who is at least 21 years old at the time of application and up to 76 years old at the time the loan is repaid;
with a Dutch bank account;
with Dutch nationality, nationality of EU/EEA country, Swiss nationality or who have a residence permit for an indefinite period;
Who has lived and worked in the Netherlands continuously for at least two years. The same applies to any partner with whom a loan is applied for;
with an indefinite employment contract, or a fixed-term employment contract or a temporary employment contract (not a phase A, 1 or 2 temporary employment contract;
the employee's financial situation must allow him to bear the loan. This is carefully reviewed by us.

How do interest and principal payments work?

When your employee takes out a loan with us, they give us an authorization for a monthly direct debit. After depositing the salary, we debit the same amount every month. Only the first and last month may be different. This is how the interest and repayment are paid. Without surprises.

Will my employees remain anonymous?

We guarantee your employees that they will remain 100% anonymous. Therefore, as an employer, you will not receive any information from us about your employees' loans or their personal financial situation.

What happens if my employee leaves employment and has a loan with you?

If an employee leaves your employment, it does not affect the agreement we have with your employee. The loan will continue as usual.

As an employer, do I guarantee my employees' loans?

No. As an employer, you do not guarantee and are not liable for the loans we make to your employees.

What happens if my employee does not pay his interest and principal on time?

As an employer, you do not vouch for your employee. Nor are you liable. If your employee does not pay on time, we will send a reminder. We always work with a borrower to find a solution that suits their personal situation. If there are payment arrears of two months or more, we report this to the BKR. We do this to protect people with payment problems from themselves. So that they cannot take on more debts.

What happens if my employee moves abroad?

If your employee leaves or is going to leave the Netherlands, we can immediately claim the amount due at that time.

Can an employee transfer to you with their loan?

If your employee wants to switch their current loan(s) to one healthy loan with us, they can indicate this at the time they apply for a loan with us. We will then arrange the switch. Without us charging any fees.

Is taking out a loan wise? Doesn't that actually get my employee into trouble?

We do our best to prevent people from getting into further trouble when they take out a loan with us. Our underwriting procedures are designed to prevent over-indebtedness. If a loan is not justified for your employee, we will reject the application. You can never borrow too much from us.

What happens if my employee does run into trouble and cannot pay the principal and interest?

If one of your employees does get into trouble despite our strict underwriting process, we will always work with your employee to find a suitable solution. For example, we only work with social collection partners who, like us, value helping people who have financial problems.

What does working with you look like?

Your personal Customer Success Manager will work with you to ensure a successful launch within your company. A complete package of personalized communication materials will be put together for you. So that your employees can become optimally acquainted with our solutions. You don't have to do anything. Except let us communicate with your employees. You also receive reports that give you insight into the financial needs of your employees. Data that gives you valuable information about the financial health of your employees.

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Everything for your employees' financial health in one place.

Financial health in the workplace

78%

1 in 6

42%

€13.000

Together with you, we are going to do something about this.

Personal assistance

Money Knowledge

Direct financial assistance

Our collaboration

Personal attention and 100% anonymous

Personal attention

100% anonymous

Why partner with Salarise?

Absence

Retention

Secondary benefits

Insight

Frequently asked questions:

Questions?