Revolving credit
When you need flexibility
Our revolving credit works like an instant credit card that allows you to withdraw cash and make repayments at your own pace.
- Fast and fully automated decision making process
- No paperwork or documents required
Apply for a credit
Revolving credit is a credit of up to 4 000 € with an interest rate of 17,5%. The interest on the credit is 15% + reference rate referred to in section 12 of the Finnish Interest Rate Act. The annual percentage rate (APR) is 26,61-26,63%. The reference interest rate is updated in accordance with the loan contract conditions. The applied interest rate is always at least 0 %, even if the reference interest rate is negative. A loan management fee of 0,01 % per day is calculated according to the credit limit and the loan repayment period is 3-111 months depending on the amount of credit used. The loan opening fee is 0 € . Money can always be withdrawn from the loan again within the credit limit.
Example of loan repayment: The annual percentage rate (APR) on a loan of 1 500 € is 26,62%. The interest rate taken into account in the calculation is 17,5%, the average loan management fee is 4,56 € per month. The total amount of the loan and loan costs is 1 700,64 €, while the installments are 12 and the installment is 141,72 € per month.
Edited on 1.7.2025 with the updated reference rate
Flexible revolving credit for loans of € 300 – 4,000
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 – 4,000 depending on the credit amount offered.
After filling in the application, you’ll receive a personal loan offer up to € 4,000, which you can start using immediately.
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.
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Flexible
You can withdraw as little or as much as you need. Our revolving credit has a flexible repayment time.
Affordable
Repayments start at € 49/month.
Reliable
A revolving credit covers small expenses, so you can enjoy the bigger things in life. Withdraw the amount you need at any time.
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usThe 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.
The revolving credit does not have a fixed loan term. Its purpose is to always be available to you, meaning that when you make repayments, you can access the full amount that’s been repaid.
You have the option of withdrawing the entire credit amount at once, but it’s not mandatory. Your loan term depends only on your withdrawal rate and amount.
The interest rate on your loan consists of the margin and the reference interest rate according to Section 12 of the Interest Act. The reference interest rate is checked according to the terms of the credit agreement always on the interest rate check days. However, the total interest rate is always at least 0%, even if the reference interest rate is negative.
You can withdraw money by using our Saldo Internet Bank service online.
You can add Saldo Internet Bank to your phone's home screen so it’s always available and easy to access.
You can withdraw as much or as little as you need. € 100, € 400, € 1,000 or even the whole credit limit you have been granted.
The first minimum withdrawal is € 300, after which you can make withdrawals starting from € 50.
Withdrawals are transferred automatically, so they’ll appear in your bank account in less than 15 minutes as long as you activate our quick payment service.
The monthly repayment is determined both by your contract and loan amount. Usually the monthly repayment is € 49 – 99.
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.
Revolving credit is an affordable alternative for everyday financing
Our revolving credit is fairly priced with an interest rate that won’t go above 17.5 %. 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.
