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Monthly payment Loan period: 36 months

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Revolving credit is a credit 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 Money can always be withdrawn from the loan again within the credit limit.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).

Revolving credit

Our revolving credit works like an instant credit card that allows you to withdraw cash and make repayments at your own pace.

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

Flexible revolving credit for loans of € 300 – 2 000

A revolving credit is a smart way to finance your everyday expenses. It’s for when you need some quick cash, rather than a big loan. Withdraw the loan in small amounts, from € 300 – 2 000 depending on the credit amount offered.

After filling in the application, you’ll receive a personal loan offer up to € 2 000, which you can start using immediately.

How to apply for revolving credi

Choose loan amount

Choose the amount you need right now. You’ll be able to make small withdrawals within a credit limit granted.

Fill in the application

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

3 minutes
Transfer to your bank account

You can make the first withdrawal immediately. After that, you can make withdrawals anytime, anywhere.


You can withdraw as little or as much as you need. Our revolving credit has a flexible repayment time.


Repayments start at € 49/month.


A revolving credit covers small expenses, so you can enjoy the bigger things in life. Withdraw the amount you need at any time.

Questions about the revolving credit

Our loans are tailored to meet the needs of our customers, and we know you’ll have questions. To help you make a decision that’s right for you, we’ve put together an FAQ about our revolving credit.

If your question is about our loan prices, visit our Pricing page. And remember, our loans don’t have any hidden fees.

If you need more information about any of our loan products, contact the friendly customer support team.

Frequently Asked Questions

A revolving credit brings flexibility to your everyday life.

Choose a flexible partner

Flexibility means that you can withdraw the exact amount you need from your revolving credit freely. Once we have granted you a positive loan decision, the credit limit is available to you 24/7.

The timing and amount of repayments is also flexible: the revolving credit has no fixed loan term. You can either pay all your withdrawals at one time, or you can make monthly repayments. Once a repayment has been registered to your credit limit, you’ll have the option of withdrawing it again.

Saldo Limit is an affordable alternative for everyday financing

Our revolving credit is fairly priced with a yearly interest rate that won’t go above 20%. And if your loan doesn’t have any outstanding repayments, there are no costs at all. You’ll only pay interest on the amount you’ve used.

Once you’ve applied for a revolving credit, you’ll receive your own personalised offer with a limit and monthly repayment schedule that’s exclusive to you. You’ll see that your annual percentage rate (APR) is clearly marked in the loan offer too.

The 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