Loans
Affordable loans from Saldo Bank
You can get Saldo Bank as your partner in just a few minutes and you do not have to send us any paper documents.
- No collateral, no documents
- Instant payments
Apply for a loan
Opening fee
Service open
Monthly payments from
Interest rate
Example of loan repayment: The annual percentage rate (APR) on a loan of 1 500 € is 26,62%. The interest rate taken into account in the calculation is 17,5%, the average loan management fee is 4,56 € per month. The total amount of the loan and loan costs is 1 700,64 €, while the installments are 12 and the installment is 141,72 € per month.
Edited on 1.7.2025 with the updated reference rate
Standard European Consumer Credit Information
Loans for any expenses
From us, you can get versatile loans for any purchases.
Are you about to renovate your home or planning a family vacation? You can choose our consumer loan, which is great for large one time purchases. With a consumer loan, you can choose your loan term for repayment.
In comparison, the flexible revolving credit works very well with everyday expenses or even as an addition to your holiday budget. From your credit limit you can withdraw exactly the amount you need at the time, anytime and anywhere.
Additionally amongst our services you will find loans suitable for purchasing a car as well as supporting your business.
Saldo Bank loans - tailored for you
Consumer loan € 1,000 – 10,000
Our consumer loan is an affordable and effortless way to finance large one time purchases.
You can choose the loan from €1,000 to €10,000, depending on your needs. When filling in the loan application, you choose a suitable monthly repayment and loan term in addition to the loan amount.
With a larger consumer loan you can also easily combine loans that you already have.
Revolving credit up to € 3,000
A revolving credit works like a credit card, but you can start using it faster.
You do not need to wait for the processing of a credit card application, instead you can start using the loan immediately. With our revolving credit, you can withdraw money any time you need it.
There is no fixed loan term, instead you gain access to the money again as you pay the repayments.
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usYou 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 money is usually transferred to your selected bank account within 15 minutes. If you have been granted a loan between 23:00 and 07:00, the first withdrawal or loan will be transferred to your account after 07:00 according to the law. Subsequent withdrawals will be transferred to your account immediately, regardless of the time of day.
The interest rate on your loan consists of the margin and the reference interest rate according to Section 12 of the Interest Act. The reference interest rate is checked according to the terms of the credit agreement always on the interest rate check days. However, the total interest rate is always at least 0%, even if the reference interest rate is negative.
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, the revolving credit doesn’t have a fixed loan term. You can access the loan again as you pay the repayments.
When applying for the consumer loan, 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.
The money is usually transferred to your selected bank account within 15 minutes. If you have been granted a loan between 23:00 and 07:00, the first withdrawal or loan will be transferred to your account after 07:00 according to the law. Subsequent withdrawals will be transferred to your account immediately, regardless of the time of day.
Yes. You can apply for new loans through Saldo Bank, but we check your ability to repay with every new application.
