Car loan
When you need it the most
Drive away faster with Saldo.
- Fast and fully automated decision making process
- No paperwork or documents required
Apply for a loan
€2,000
Opening fee
0€
Service open
24/7
Monthly payments from
24€
Interest rate from
9,9%
Example of loan repayment: The annual percentage 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 Car Loan up to € 6 000
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 € 6 000, 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.
Fast process
- 1
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.
- 2
Fill out the application
Fill out our online application form. It should only take about 5 minutes.
- 3
Verify your identity
Get ready to verify your identity.
- 4
The car finance will be transferred to your bank account.
After accepting the offer, the car loan will be available immediately.
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usWhat are the requirements for a car loan?
To apply for a car loan, you must fulfill the following requirements:
A Finnish social security number
A permanent address in Finland
Juridically competent
A Finnish phone number
An e-mail
Where can I apply for a car loan?
You can apply for our car loan from a car dealership or directly through our webpage. Ask your car dealership about the possibilities to finance the purchase or the deposit with a loan from Saldo.
How much can I borrow for my car loan?
You can have a car loan of up to € 12 000 when you apply from a car dealership. From our website our car loans go up to € 6 000. The auto loan offer depends on the information you provide and our decision. Every auto loan offer is individual.
What is the interest rate of a car loan?
The interest rate of our car loan is determined by the information you have given.
You can see the interest rate, monthly repayments, and the total of the auto loan within the personlised offer.
What is the loan term of a car loan?
You can get a car finance term of 24 to 60 months, depending on the auto loan amount and monthly repayment amount.
What is Saldo's car loan meant for?
Our car loan is meant to pay the whole price, or just a deposit of a car purchase or for financing other car related purchases such as tires.
Buying a car without a deposit can really drain your savings, so we want to offer a quick and easy solution so you can finance your deposit.
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 fees
| Service | Price |
|---|---|
| Nominal yearly interest rate | 13,9 – 19,9 % |
| Annual percentage rate (APR) | 21,3–29,5 % |
| Loan handling fee | 0,01 % / day and a maximum of € 150,00 / year |
Find the Saldo partnered dealership closest to you
Name of the car dealership
Locality of the car dealership
| 123 invest Oy | Keltakuja 3b | VANTAA |
| 9xx-Auto Oy | Hankasuontie 5 | Helsinki |
| AA Realisointi | Inkereentie 1021 | Pertteli |
| Ab KimSu Trading Oy | Solkullavägen 46 | PIETARSAARI |
| AB Seamac Oy | BOSUNDVÄGEN 55, 68555 BOSUND | 68555 |
| AFC-Auto OY | Kuvansintie 16 | Varkaus |
| AJ-Auto Oy | Korjalankatu 17 | Kouvola |
| Ajanvaunu oy | Kinnarinkatu 8 | Mikkeli |
