Apply for a loan



Monthly payment Loan period: 36 months

Apply for a loan

Saldo Limiitti is a continuous loan of up to 2 000 € with an interest rate of 19,9 %, effective annual interest rate (APR) 29,6 %. Loan management fee 0,01 % per day calculated according to the credit limit and the loan repayment period 3 to 30 months depending on the amount of credit used. Loan opening fee 0 euros. Money can always be withdrawn from the loan again within the credit limit.

Example of loan repayment: The effective annual interest rate (APR) on a loan of 1 500 € is 29,6 %. The interest rate taken into account in the calculation is 19,9 %, the loan management fee is EUR 4,50 € per month. The total amount of the loan and loan costs is 1 720,54 €, while the installments are 12 and the installment is 143,38 € per month.

Standard European Consumer Credit Information (in Finnish).

Saldo Limit

Saldo Limit works like a credit card, but you can start using it faster. You can withdraw and repay the flexible loan at your own pace!

Opening fee 0€
Loan offer within 5 minutes
14 day right of cancellation
Possibility to postpone the due date

Flexible Saldo Limit for loans of € 100 – 2 000

Saldo Limit is a reasonable way to finance everyday expenses, when you do not need a big loan, just some flexibility from time to time. You can withdraw the loan in small amounts depending on your everyday needs. You can withdraw € 100 – 2 000 depending on the credit limit we grant you.

After filling in the application, you will get a personal loan offer up to even € 2 000, which you can start using immediately.

How to apply for Saldo Limit

Choose loan amount

Choose the amount you need right now. The withdrawal happens within a credit limit, which we grant you.

Fill in the application

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

3 minutes
Transfer to your bank account

You can make the first withdrawal immediately (between 7am and 11pm). After that, you can make new withdrawals anytime, anywhere.


You can withdraw exactly as little as you need. Saldo Limit has a flexible repayment time.


Repayments start at € 49/mo.


Saldo Limit does not abandon you. You can withdraw at any time.

Questions about Saldo Limit

A loan is always chosen carefully and there are a lot of questions, which we recommend you to consider before applying for a loan. We compiled some of the most asked questions about using Saldo Limit.

If your question is about our Saldo Laina prices you can find all our prices on the Pricing page. Our loans do not have any hidden fees.

If you need more information about our loans, you can contact our customer support. We will gladly help you with all matters related to your loans.

Frequently Asked Questions

Saldo Limit € 100 – 2 000 brings flexibility to your everyday life.

Choose a flexible partner

Flexibility means that you can use Saldo Limit with its limit freely. You can withdraw just the amount you need, whenever you need it. When we have granted you a positive loan decision, the limit loan is always available to you 24/7.

The repayment is also flexible: there is no fixed loan term. You can either pay all your withdrawals at one time, or you can pay with monthly repayments. You always pay your repayments to yourself - once a repayment has been registered to your Saldo Limit, you can always withdraw it again.

Saldo Limit is an affordable alternative for everyday financing

Saldo Limit is priced affordable, so we can serve you even better. The yearly interest rate of the loan is 20 % maximum. And if you do not have any unpaid loan, there are no costs. You only pay for the amount you have used.

When applying for our limit loan, you will get your own personal offer, which determines the price and monthly repayment of your loan. Also your annual percentage rate (APR) is clearly visible in the loan offer.

Saldo Limit monthly repayment is usually € 49 – 99.


Interest rates and expenses

  • Service
  • Service Nominal yearly interest rate
    Price 19,9 %
  • Service Annual percentage rate (APR)
    Price 29,6 %
  • Service Loan handling fee
    Price 0,01% in a day, but maximum of € 150,00 in a year

Additional services

  • Service
  • Service Defer all repayment for a month
    Price € 5,00
  • Service Skip a monthly repayment (but not interest or fee)
    Price € 5,00
  • Service Cutting the monthly repayment in half for 3 months
    Price € 5,00
  • Service Changing the due date of payment
    Price € 5,00
  • Service Changing billing method
    Price € 0,00
  • Service Increasing the credit limit
    Price € 0,00

Other 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