Car Loan

Drive away faster with Saldo.

Apply for a car loan



Monthly payment Loan period: 60 months

Apply for a loan

Car loan is an unsecured consumer loan of 600–6 000 €. The interest rate on the loan is 9,9–19,9 %, the loan management fee is 0,01 % of the amount of the granted loan per day, up to 150 € per year, the actual annual interest rate (APR) is 15–29,6 %. The loan period is 24 to 60 months and the monthly installment is 24 € to 318 €. Loan opening fee 0 euros. For loans under 1 000 € the maximum loan period is 13 months.

Example of loan repayment: The effective annual interest rate on a loan of 1 500 € is 28,6 %. The calculation takes into account an interest rate of 19,9 %, a loan management fee of 4,50 € per month. The total amount of the loan and loan costs is 2 440,07 €, while the 50 installments and the installment are 49 € per month.

Standard European Consumer Credit Information (in Finnish).

Car Loan up to € 12 000
Loan term up to 60 months

Saldo Car Loan up to € 12 000

Our auto loan is a deposit-free finance option that enables you to hit the road without putting down cash, collateral or listing a guarantor. This makes the auto loan application so much easier to complete. Once you’ve filled out the online form and are approved by our automated system, you’ll receive an offer for car finance and a decision on your auto loan within minutes

You can get a car loan up to € 12 000, with the option of a long loan term with reasonable monthly repayments.

In addition to our website, the loan can be granted by our partner car dealerships.

How to apply for an affordable Car Loan:

Choose the auto loan amount you need

Do you only need the deposit or the whole purchase price? You can choose the amount you need.

Check the loan offer

You’ll receive the auto loan offer immediately, and can nominate the monthly repayment and loan term

The car finance will be transferred to your bank account.

After accepting the offer, the car loan will be available immediately.

Frequently Asked Questions about our car loan

We have compiled the most frequently asked questions about our car loan to this section.

If you still have questions, you can contact our customer service. Via e-mail: Via phone: 06000 55000 (2,00 €/min + pvm/mpm)

Finnish everyday financier for over 10 years

Why choose our car financing?

Our car loan is a safe and easy way to obtain car finance, drive away and then make easy monthly payments. After filling in our online application, you get an auto loan offer, where you can choose a monthly repayment suitable for you. We’ll give you fine monthly repayment options to choose from: pick the one that works best for you.

Unlike other common car loans, our car loans are not tied to a certain vehicle.

You can apply for a car loan even before you have found the car you want to buy, or you can apply when making a purchase. You get the auto loan decision immediately after accepting your personalised offer. It’s up to you whether you finance all of the purchase, or just a part of it.

You’ll receive a personal auto loan offer.

The cheapest car loan can be found by comparing, but we offer you an auto loan, it will be tailored to your individual financial situation. Purchase a car with an auto loan and make your dream car a reality, effortlessly. You can also finance a car with our affordable deposit-free consumer loan.

Car loan pricing

Finding the cheapest car loan is simple, when the auto loan pricing is clear and easy to access. You can find all the interest rates and expenses of our car loan in the table attached. There are no hidden costs when it comes to our loans.

Our auto loan offers are always individual. To receive a personalised offer with pricing that’s tailored to your individual needs, simply fill in an online application for car loan. If you change your mind, you can cancel the auto loan easily within the 14 day cooling off period.

Interest rates and pricing

  • Service
  • Service Nominal interest rate
    Price 13,9–19,9 %
  • Service Annual percentage rate
    Price 21,3–29,5 %
  • Service Loan handling fee
    Price 0,01% in a day, but a maximum of € 150,00 in a year

Find the Saldo partnered dealership closest to you

123 invest Oy
Keltakuja 3b, 01620 VANTAA
9xx-Auto Oy
Hankasuontie 5, 00390 Helsinki
AA Realisointi
Inkereentie 1021, 25190 Pertteli
Ab KimSu Trading Oy
Solkullavägen 46, 68600 PIETARSAARI
AB Seamac Oy
BOSUNDVÄGEN 55, 68555 BOSUND, 68555 68555
Kuvansintie 16, 78850 Varkaus
AJ-Auto Oy
Korjalankatu 17, 45130 Kouvola
Ajanvaunu oy
Kinnarinkatu 8, 50170 Mikkeli

Almost 500 car dealerships around Finland already offer car loans by Saldo. The car loan can easily be secured online before you choose the car, or you can apply for car finance directly in the dealership.

To find the nearest car dealership offering our car loans, use the search function here.