Saldo - The easy solution for your everyday expenses

Get Saldo as your partner in just a few minutes, and without filling out any paper documents.

Apply for a loan



Monthly payment Loan period: 36 months

Between January 1st and September 30th 2021, the interest rate on the loan will be 10%. Warning: From October 1st 2021 on, the interest on the loan will be charged in accordance with the agreement.
Apply for a loan

Saldo Limiitti is a continuous loan of up to 2 000 € with an interest rate of 19,9 %. Loan management fee 0,01 % per day calculated according to the credit limit and the loan repayment period 3 to 30 months depending on the amount of credit used. Loan opening fee 0 euros. Money can always be withdrawn from the loan again within the credit limit.

Example of loan repayment: The effective annual interest rate on a loan of 1 500 € is 29,6 %. The interest rate taken into account in the calculation is 19,9 %, the loan management fee is EUR 4,50 € per month. The total amount of the loan and loan costs is 1 720,54 €, while the installments are 12 and the installment is 143,38 € per month.

Standard European Consumer Credit Information (in Finnish).

The Finnish financier for your everyday expenses

We are a trustworthy and diligent Nordic fintech company. We pay close attention to the financial needs and profile of every one of our customers. Each loan decision is always evaluated on an individual basis.

How to apply for a loan:

Choose your loan product

Select a loan according to your needs. We offer the affordable Saldo Laina as well as the flexible Saldo Limiitti.

Fill in the loan application

Once you have chosen a suitable loan, you’ll need to fill in the loan application. You can apply online and the process takes only 5 minutes.

5 minutes
Transfer to your bank account

You’ll get the decision on the loan immediately after filling in the application. If needed, you can receive the money in your bank account straight away (between 7am and 11pm).

Years of experience in loan provision

We’ve extended loans to hundreds of thousands of customers over the past 10+ years. Our goal remains to offer flexible loan services that meet the needs of customers from all walks of life. We can provide you with loans to cover everyday expenses, no matter how large or small.

Business loan For any business
  • Loan amount: 1000 – 50 000 €
  • Loan term: 1 – 12 months
  • Interest rate: 0 %
Saldo Limiitti A flexible loan for everyday expenses
  • Credit limit up to 2000€
  • No fixed loan term
  • Monthly repayment starting at 49 €
Saldo Laina A one time loan for small and big expenses
  • Loan amount: 1000 – 10 000 €
  • Loan term: 12 – 88 months
  • Monthly repayment starting at 29 €
Car loan A loan suitable for purchasing a car
  • Loan amount: 1000 – 12 000 €
  • Loan term: 24 – 60 months
  • Monthly repayment starting at 49 €

Why to choose our loan products?

Our loans are highly personalised, with every detail tailored to your individual financial situation. You can get an affordable loan for practically any situation from our versatile range of loans.

The application is fast and easy to complete. We don’t require income statements or other guarantees. We’ll give you a decision on your loan application immediately and the facility will be available for you straight away.

As a valued customer, you’ll gain access to our MySaldo -service which you can use to manage your loans. Our services are easily accessible via MySaldo.

We’ll structure an affordable loan that meets your needs

You’ll receive a personalised loan and repayment plan

If required, the loan capital will be transferred to your bank straight away

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