Saldo logo
Internet bank


Get a loan on good terms

Simply fill out our loan application and in just a few minutes you’ll have access to the funds you need for your day-to-day expenses

  • No collateral, no documents
  • Using Smart-ID, Mobile-ID or Ondato
Bank of Lithuania logo
Bank supervised

Apply for a loan

Monthly payment:€99
Interest rate:18.96%
Loan management fee:€4.95 / month
Total to repay:€3,585.48
This is only an estimation. Apply to get the offer!* Application process is in Lithuanian

Get money in

5 min

Pay in advance

0 €

Right of cancellation

14 days

Interest rate from

Consumer loan is an unsecured loan of up to 3 000 € and has an interest rate of 9 – 39 %. Administration fee: 5,00 – 10,00 €/month. Annual percentage rate of charge (APR): 26,4 – 84,7 %. Loan period: 10 – 37 months. Monthly payment: 29,00 – 239,00 €.

Example of loan repayment: The interest rate of 29 % and the loan administration fee of 5,95 € per month is applied for a 1 500 € loan with 36 monthly installments. The annual percentage rate of charge (APR) for this loan is 65,14 %. The total amount to be paid by the customer (the sum of the total loan amount and total loan costs) is 2 477,11 €, while the monthly installment is 68,11 €.

Saldo loans

Here you can get a loan on flexible terms!

Maybe you need extra cash to repair your home, to buy a new car or take that trip abroad you’ve always wanted? Saldo is here to help! Simply fill out our loan application and have the funds in your account and ready to use in just a few minutes.

Our process is automated and doesn’t require you to send any physical documents. This means you won’t have to deal with any unnecessary delays.

In just a few minutes, you can get approval for a consumer loan of up to € 3 000.

Saldo also offers SME loans to small and medium-sized businesses up to € 10 000.

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 service or product that suits you by taking into account your personal or business needs and current financial status.

  • 2

    Fill out the loan application

    Fill out our online application form. It should only take about 5 minutes.

  • 3

    Verify your identity

    Get ready to verify your identity using Smart-ID, Mobile-ID or Ondato.

  • 4

    The money is immediately transferred to your account

    As soon as your application is approved, the money is transferred directly to your nominated IBAN bank account.

Apply for a loan

Appreciated by many of you

4.64 / 5

based on 3545 reviews on