Apply for a loan



Monthly payment Loan period: 80 months

Apply for a loan

Saldo Laina is an unsecured consumer loan of 1 000–10 000 €. The interest rate on the loan is 13,9–19,9 %, 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 21,3–29,5%. The loan period is 12 to 88 months and the monthly installment is 29 € to 399 €. Loan opening fee 0 euros.

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).

Saldo Loan

Renovation, boat, vacation - even large purchases will be possible with Saldo. You can choose a suitable loan amount and term yourself.

Loan up to 1000 – 10 000 €
Monthly repayment 29 – 399 €
Loan offer within 5 minutes

Saldo Loan for amounts between € 1000 - 10 000

Saldo Loan is a deposit free € 1000 – 10 000 loan, which is suitable purchases of all sizes and everyday investments. The loan application is easy and fast to fill in and you will get a loan offer and a decision on your loan immediately after filling in the application.

When applying for a loan, you can choose your loan amount and a suitable monthly repayment.

How to apply for Saldo Loan

Choose the loan amont

Choose a suitable loan amount between € 1000 – 10 000

Fill in the application

Register to our service and fill in the loan application, which takes only a few minutes.

5 minuuttia
Transfer to your bank account

You will get the loan to your bank account at your chosen time. You can withdraw the loan immediately (between 7am and 11pm).


Saldo Loan annual percentage rate starts at 21,3 % and monthly repayments start at 29 €/kk depending on the amount of the loan.


You will get a personal loan offer and you can choose loan repayments that are suitable to you.


Saldo Loan is an easy choice, you will not need any deposits.

Frequently Asked Questions

A loan should not be taken without consideration and naturally there are a lot of questions about finances. We compiled some of the most frequently asked questions about our loan.

You can find more questions and answers in our Frequently Asked Questions and you can always turn to our customer service. We will gladly help you with all matters related to your loans.

Most frequently Asked Questions

Apply now for an affordable Saldo Loan

Saldo Loan gives you a freedom of choice

With Saldo Loan you will finance all necessary purchases and dreams waiting to be fulfilled. A suitable loan finances the small and big renovations of your home, vacations or fills gaps in your budget.

You can choose a loan between € 1000 – 10 000 and you can choose a monthly repayment suitable for your financial situation. Depending on the loan amount, you can choose a suitable monthly repayment from one to five options. The monthly repayments can be € 29 to € 399. You can compare the different loan terms and monthly repayments with the Saldo Loan calculator.

Choosing Saldo Loan is also safe: you have a 14 day cancellation period, if you do not need the loan after all.

An unsecured loan

We have made the application as easy as possible. We will check you repayment ability automatically, which makes filling the application very easy for you. You do not need to send us any paper documents.

The online service enables us to work fast and give you a loan offer immediately after you fill in the application. When you accept our loan offer, you can start using the loan as fast as within five minutes.


Interest rates and fees

  • Service
  • Service Nominal yearly interest rate
    Price 13,9 – 19,9 %
  • Service Annual percentage rate (APR)
    Price 21,3–29,5 %
  • Service Loan handling fee
    Price 0,01 % / day and a maximum of € 150,00 / year

Additional services

  • Service
  • Service First certificate of interest rate and loan amount requested by the customer
    Price € 0,00
  • Service Subsequent certificates of interest rate and loan amount requested by the customer
    Price minimum € 35,00 or € 70,00 / hour / certificate
  • Service Acquisition of customer contact details
    Price € 15,00
  • Service Report requested by customer
    Price minimum € 35,00 or € 70,00 / hour
  • Service Returning overpayments made
    Price € 10,00
  • Service Resolvement of payments made without a reference
    Price € 10,00
  • Service Payment reminder
    Price € 5,00
  • Service Terminating a loan contract due to inability to repay
    Price € 5,00, when the loan amount is € 0-100 €; 25,00, when the loan amount is € 101 - 1000; € 65,00, when the loan amount is € 1000,00