Saldo Finance Plc.

Saldo is a responsible lender that invests in the advancement of its own financial technology with the help of innovative and multidisciplinary staff.

We create automated financing solutions that quickly meet the everyday needs of our customers. We also now have a banking license in Lithuania, and offer term deposits to our customers.

International financial services for businesses and consumers

Saldo has more than a decade of experience in the financial sector in Finland. Over the past ten years, the company has expanded its product range and operational footprint. Saldo provides financial services to consumers and SMEs in Finland, Sweden and Lithuania. The company's own advanced loan system ensures responsible lending and supports business growth internationally.

Our goal is to create fast and automated financial services that fulfill our customers’ daily needs. All our systems are designed and created in-house, by our own financial and technology experts. We currently employ more than 40 professionals in various fields across three countries. Together our team makes Saldo Finance Plc. the best in the market.

Saldo's vision is to be an internationally renowned and trusted financial services partner, whose advanced technology enables seamless purchases and payments across various sales channels.

Profit-% of the turnover
Growth in the last 3 years
Founded in
Operations started in Sweden and Lithuania
Satisfied customers

Saldo Financial services

Saldo currently operates in three countries: Finland, Sweden and Lithuania. Saldo's automated credit approval system enables loan services to be tailored to the specific characteristics of the markets it operates in. With our proprietary scoring system, it’s possible to check a customer’s solvency and financial position, no matter which country they’re based in. This way we’re in a position to provide a suitable loan service based on solvency and the individual financial circumstances of the customer.


Revolving Credit: A flexible loan of € 2 000, from which customers can make withdrawals based on their need. Once approved, the loan is freely available to customers at any time.

Consumer loan: A one-time loan of € 1 000–10 000, which customers can use immediately if necessary. The loan is repaid in equal instalments. Customers can choose the amount of the monthly instalment.

Car Loan: Customers can apply for a Saldo Car Loan either at a car dealership or through the Saldo website. The amount of the loan is based on the purchase price of the car.

SME loan: A one-time loan of € 1 000–50 000 that companies can use immediately with no collateral required.


Revolving credit: A flexible credit limit up to 20 000, which customers are free to withdraw to their account as they need.

Consumer loan (coming soon): A one-time loan of SEK 10 000 to SEK 100 000 that customers can use immediately. When applying for a loan, customers can decide the amount of the loan and monthly instalments. Saldo Lån will be available on the Swedish market soon.


Consumer loan: A loan of € 500-3 000 that the customer can use immediately. The payment period depends on the loan amount and the monthly installment chosen by the customer.

SME loan: A one-time loan of € 1 000–10 000 that companies can use immediately with no collateral required.

Term deposit: Coming soon!

Saldo continues to expand

Saldo is strongly focused on international expansion and the launch of new products. In the future, Saldo will continue to expand geographically inline with its growth strategy and increase its product portfolio by country.

Saldo is committed to investing in responsible lending. The company was the first in Finland to introduce measures in accordance with PSD2 for reviewing account information. Saldo also became one of the first lenders to utilise ”open banking” information. This enables safer and more responsible lending for Saldo and its customers.

Saldo has increased its responsibility by launching Saldo Safe loan insurance in Finland. Saldo’s customers can use loan insurance as a financial safety net, even during times when personal solvency may be an issue. With the help of Saldo Safe, loans are insured in the event of unemployment, incapacity for work and death.

Geographical expansion continues to progress in a controlled manner, taking into account each country's market. Saldo will also continue to recruit extensively, offering industry professionals the opportunity to work at any of Saldo’s locations.

Saldo all over the world

Saldo has offices in Finland (Turku and Helsinki), Sweden and Lithuania and our customer service is easily contactable at, on +37060445179 or through the chat service on our website.

Finland - Turku

Tact Finance Oy

Juhana Herttuan puistokatu 3

20200 Turku

Finland - Helsinki

Tact Finance Oy

Aleksanterinkatu 46 C

00100 Helsinki

Sweden - Stockholm

Tact Finance AB

Vasagatan 16

111 20 Stockholm

Lithuania - Vilnius

Saldo Finance UAB

Žalgirio str. 94-1

Vilnius 09300

Saldo’s strategy

Saldo's strategy is to act as a responsible lender and provide technologically advanced financial services to customers and partners. We follow good lending practices and abide by the laws and regulations set by the authorities in all locations where we operate.

Saldo's automated lending system enables businesses to scale, as well as enjoy profitable international growth. Our own scoring system allows us to check the customer's solvency and financial health, therefore basing the loan we offer on each customer's individual circumstances. Our system also connects easily to partner systems.

We value the wellbeing of our employees and provide them the opportunity for continuous development and learning. Saldo employs a committed, professional and internationally experienced team.

Saldo is also in the process of expanding its sales channels and customer base through a partnership model. In addition, we’re constantly developing new financial services for various sales channels. Growing demand also supports Saldo's business and the regulation of the industry creates new opportunities. Our own financial technology, automated processes, and scalable and responsible operations make Saldo an attractive investment opportunity.

Saldo’s values


For us, responsibility means being both a reliable partner and employer. We are responsible lenders who take our customers' solvency into account and always comply with local laws and regulations.

Technological innovation

From the outset, we have invested in the continuous development of our own financial technology. We always utilise the latest technology, such as artificial intelligence and machine learning. We want to continue to provide our customers and partners with the most technologically advanced solutions in the field.


We encourage our professional staff to continuously develop their own skills and put business technology at the forefront of everything we do. At Saldo, our employees are responsible for innovation, and Saldo is responsible for looking after all its employees.