Saldo logo

Consumer loan

When you need it the most

In just a few minutes, Saldo Bank will find a loan solution that’s perfect for you.

  • Fast and fully automated decision making process
  • No paperwork or documents required
Apply for a loan

Apply for a loan

Monthly payment:€59
Interest rate:14.4%
Minimum monthly payment:€6.08 / month
Total to repay:€2,990.83
This is only an estimation. Apply to get the offer!Apply* Application process in Finnish

Opening fee


Service open


Monthly payments from


Interest rate from

Consumer loan is an unsecured consumer loan of 1 000–10 000 €. The interest rate on the loan is 14,4–19,5%. The interest on the credit is 9,9–15% + reference rate referred to in section 12 of the Interest Rate Act. The loan management fee is 0,01 % of the amount of the granted loan per day, up to 150 € per year, the annual percentage rate (APR) is 22,1–29,2 %. The loan period is 17 to 70 months and the monthly installment is 29 € to 199 €. Loan opening fee 0 euros.

Example of loan repayment: The annual percentage rate on a loan of 1 500 € is 28,12 %. The calculation takes into account an interest rate of 19,5%, a loan management fee of 4,56 € per month. The total amount of the loan and loan costs is 2 430,5 €, while the 50 installments and the installment are 48,61 € per month.

Standard European Consumer Credit Information

Saldo Bank consumer loan for amounts between € 1,000 - 10,000

Saldo Bank’s consumer loan is a deposit-free € 1,000 – 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 Bank’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.

Fast process

  • 1

    Tell us how much money you need, and your preferred monthly repayment

    Everyone’s financial situation is different. Start by choosing the Saldo Bank service or product that suits you by taking into account your personal or business needs and current financial status.

  • 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

    Transfer to your bank account

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

Apply for a loan

Appreciated by many of you

4.64 / 5

based on 3545 reviews on


Our consumer loan's annual percentage rate starts at 21,5 % 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 consumer loans in Finland, choose Saldo Bank.

Have a question? We answered most of them already.

Cannot find answer to your question?

Contact us

The money is usually transferred to your selected bank account within 15 minutes. If you have been granted a loan between 23:00 and 07:00, the first withdrawal or loan will be transferred to your account after 07:00 according to the law. Subsequent withdrawals will be transferred to your account immediately, regardless of the time of day.

You can check the different monthly payments for varying loan amounts from Saldo Bank’s loan calculator.

Usually we offer five options, but for smaller loans there can be only one or two options. For example: for a € 4,000 consumer loan, you can choose from four options: € 99, € 109, € 129, € 159 and € 199. The monthly repayment amount will impact the loan term.

Immediately. Saldo Bank's loans are always applied for online, which means we can give you a decision immediately. Once your online application has been approved, you will receive an offer for a consumer loan, and you can accept it immediately.

When applying for a loan from us, we will calculate a suitable personal interest rate for you. You will see the final personal interest rate from our loan offer.

You can find all of the associated costs of our loans in our pricing list.

A revolving credit is a loan that is suitable for everyday expenses. The difference between these two loan types can be explained easily: our consumer loan will always be transferred at one time, and with our revolving credit you can withdraw the amount you need, when you need it, from your credit limit.

Our revolving credit gives you a personal credit limit, where you can make withdrawals when you need it. While our consumer loan can finance a bigger one-time purchase.

Yes. You can apply for new loans through Saldo Bank, but we check your ability to repay with every new application.

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 € 1,000 – 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 Bank'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 Bank'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.

What’s new in the financial market? Learn with us

Explore more

How to survive the winter during an energy crisis?

Across the EU, there’s a new appreciation and awareness of just how much we need electricity and energy in our everyday lives. We need it to switch on lights and heat our homes, we need it to operate our computers and servers, we need it to power our personal vehicles.

Spending or saving - the latest trends
Does spending money trigger happiness?
Explore more