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Monthly payment Loan period: 80 months

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Consumer loan 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).

Consumer loan from Saldo

100% on your terms.

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

Saldo consumer loan for amounts between € 1000 - 10 000

Saldo’s consumer loan is a deposit-free € 1000 – 10 000 loan to cover purchases of all sizes and everyday investments. The online application is quick and easy to fill in, and in just a few minutes you’ll receive an offer for a loan in Finland.

The best thing about Saldo’s quick loans is that the loan is on your terms: you tell us how much money you need to borrow, and nominate a suitable amount for monthly repayments.

How to apply for our consumer loan

Choose the amount that’s right for you

We grant loans in Finland between € 1000 – 10 000

Fill in the application form

Registering to our service and filling the loan application form only takes a few minutes.

5 minuuttia
Transfer to your bank account

You’ll receive the loan in your bank account and can start withdrawing or spending money immediately.


Our consumer loan's 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 offer for a quick loan and you can choose repayment amount that suits you best.


No deposits. No explanations. For fast loans in Finland, choose Saldo.

Frequently Asked Questions

When taking out a loan in Finland, you’re bound to have a question or two. We’ve put together a list of the questions we come across most often about our loans to help you make the right decision for your personal financial situation.

If you don’t find the answers to questions you might have about fast loans, get in touch with our friendly customer service team. They’ll be glad to help you with all matters related to quick loans in Finland.

Most frequently Asked Questions

Apply now for an affordable consumer loan

Our consumer loan gives you a freedom of choice

With our consumer loan, you can finance necessary purchases and dreams waiting to be fulfilled. A suitable consumer loan finances the small and big renovations of your home, enables you to take a vacation or fills the gaps in your budget.

You can choose a consumer loan between € 1000 – 10 000 and nominate a monthly repayment amount from five options that is most suitable for your financial situation. The monthly repayments for your fast loan can be from € 29 to € 399. You can compare the different loan terms and monthly repayments with our loan calculator.

Choosing Saldo's loan is safe: you have a 14-day cooling off period, so if your circumstances change and you no longer need the credit, you can cancel easily.

An unsecured loan

We have made the application for a consumer loan as easy as possible. We will check your repayment ability automatically, which makes filling the application easier than ever. We don’t require any paper documents.

Saldo’s online service enables us to work quickly and give you an offer for a fast loan immediately after you fill in the application. When you accept our offer for a loan in Finland, you can start using the loan in as little as 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