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Monthly payment Loan period: 31 months

Apply for a loan

Consumer credit is an unsecured loan of up to 3 000 € and has an annual 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 annual 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 loans to small and medium-sized businesses up to € 6,000, as well as revolving credit, which is a flexible way to borrow instantly for small expenses up to € 2,000.

How to fill out an application for a loan

1. Choose the amount need and the monthly payment

The first thing you need to do is choose one of our services / products. It will be easier to choose a service if you take into account your personal or business needs and current financial situation.

2. Fill out the application

Fill out our online application form. You will only need 5 minutes.

5 minutes
3. Verify your identity

Get ready to verify your identity with Ondato.

4. Get the money in your bank account right away

As soon as your application is approved, the money is transferred directly to your IBAN bank account that you specified when completing the application.

Our services

Consumer credit

A consumer loan is a convenient way to borrow when you need extra cash for expected or unexpected situations. You can get approval for a Saldo consumer loan online in just a few minutes.

Consumer loans are available for amounts up to € 3,000. Our automated system reviews and approves successful applications almost instantly. As soon as the application is approved, the full amount is transferred to your bank account.

Just imagine, it takes less than 10 minutes from filling out the application to paying for the purchase in full.

Our system is based on SODRA data and solvency assessment by Scorify. This data ensures that all lending is conducted responsibly.

Every Saldo customer receives an individual offer for a consumer loan. This includes the best loan terms we can provide. Saldo’s attractive interest rates range from just 9% to 39%.

For more information on the Saldo Consumer Loan, see the Consumer Loan section.

Revolving Credit (Coming Soon)

A revolving credit service assists consumers who need access to extra funds for small expenses. By choosing this service, you can get approval for credit of € 1000–2000, for use whenever you need. This money will be available to you at any time.

A revolving credit service can be compared to a credit card, but the Saldo service has more benefits. With a revolving credit service, you don’t have to fill out any complicated applications for approval, as is often the case with a credit card. You’ll have access to your funds immediately.

For revolving credit, the interest rate is calculated individually for each customer.

Saldo’s revolving credit service will start in 2021!

Business loan (coming soon)

This service is suitable for small and medium sized businesses. Companies and enterprises can apply for a loan of up to € 6,000. Our online application process is quick and easy.

From start to finish, the application takes just a couple of minutes. Your business loan will be approved almost instantly, allowing you to stop worrying about cash flow and focus on developing and growing your business. Getting a loan is now extremely easy!

Once the application is approved, the money will be paid immediately to the company's bank account. All applications are assessed individually and each client receives an individual offer for a business loan.

Saldo’s online business loans will begin in 2021!

Find out more about our business loan.

Get a loan online

The normal process of getting a loan is typically long and complicated. Saldo Finance aims to make everything easier and help you and those who need it to borrow easily online.

This is exactly what we have been doing for more than a decade!

By avoiding physical queues and digitizing the process of issuing and receiving loans, Saldo can save you time and help you meet your financial goals faster. With Saldo, you can get approval for a consumer loan in just a few minutes. We also provide revolving credit and business loans.

Your data is secure with Saldo. We also aim to ensure our online loans give customers the best value. Since each customer receives an individual offer, the best conditions are almost guaranteed for you!

Fill out the application now and get the cheapest loan from Saldo!

Fill out the application now and get the best loan from Saldo

Frequently asked questions

Get a loan online now!

Getting a loan from Saldo takes just a few minutes of your time. Fill out the application and the money will be transferred to your account almost instantly. The whole process is automated. Here's how to get a loan, step by step:

  1. Click on "Fill in the application" on our website

  2. Fill in the data fields in the next window. You will need your personal code and phone number.

  3. Please read and confirm that you agree to our data processing and storage policy and privacy policy.

  4. Click the "Next" button and you should receive a confirmation code to your phone via SMS. Keep the code with you or memorize it.

  5. In the next field of the application, enter your IBAN account number, e-mail and the e-mail and confirmation code you received via SMS.

  6. Confirm that you agree to the evaluation of your financial data and, optionally, that you wish to receive our promotional messages.

  7. Wait for the system to process your application.

  8. Agree to the terms and confirm the loan agreement.

  9. Get money in your bank account!

All of this will take you just a few minutes and you won’t have to bother with any documents, papers or reports. Other frequently asked questions.