Affordable loans from Saldo

You can apply for a consumer loan, if you live in Finland, you are over 18 years old and your financial situation allows for the repayment of the loan. We check the repayment ability of our customers electronically, so you do not have to send any paper documents. Consumer loans are always personal and you can not apply for them with other people.

All loans applications are online, which means they will be processed immediately. Consumer loans can be used immediately after completing the application process, which means the processing takes up only 3 - 5 minutes at best.

The interest rates are determined by the financial situation of the customer. Every customer gets a personalized offer, which has an interest rate calculated for the customer specifically. You can find out your own interest rate only by filling in a loan application. Filling the application does not oblige you to anything and the customer always has a 14 day cancellation period.

Our loans are very different in terms of repayment, which makes our loan services versatile and flexible.

For example, Saldo Limiitti doesn’t have a fixed loan term. You can access the loan again as you pay the repayments.

When applying for Saldo Laina, you can choose a suitable monthly repayment amount from 1 - 5 options and choose a suitable loan term. Loan terms vary between 12 and 88 months depending on the loan amount and the size of the monthly repayments.

Car Loan is also repaid in fixed monthly repayments, which are determined by the loan amount. You can still choose a loan term just like with Saldo Laina.

Yes. You can apply for new loans through My Saldo, but we check your ability to repay with every new application.