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Monthly payment Loan period: 31 months

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Consumer loan 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 €.

How can I get a quick consumer loan?

Getting a consumer loan online is easy. It takes just a few minutes to fill out the application form, and the money will be in your bank account as soon as your application is approved.

Get your Consumer Loan Online and approved by Saldo today.

How to apply for a consumer loan online

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 application

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

5 minutes
3. Verify your identity

Get ready to verify your identity with Ondato by scanning a form of ID and taking a selfie.

4. Get the money in your bank account right away

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

Applying for a quick consumer loan takes just a few minutes from start to finish. With Saldo, you won’t need to go through a lengthy application process or scan paper documents. We’re here to help you get on with life and stop worrying about your finances. Choose Saldo as your financial partner to assist you with accomplishing your financial goals.

What is a consumer loan?

Simply put, it's a financial service. People use it when they need money to cover small, medium or large expenses.

Most people tell us they use Saldo Finance for a consumer loan when they need a home or car repair, or want to go on holiday.

A consumer loan is different to a home loan or lease in that the lender does not need to pledge or mortgage the property.

Most importantly, getting a quick consumer loan is easy.

Consumer credit is one of the fastest ways to access funds to pay for goods and services you need today.

The funds will be in your account just a couple of minutes after your application is approved, so you’ll be able use the money for whatever you need it for.

No more waiting in lines, filling in complicated forms or excessive paperwork. Saldo Finance provides consumer credit up to € 3 000 in minutes.

What makes Saldo’s fast Consumer Loans the best?


Getting approval for a consumer loan from a bank can take a long time, and cause a lot of stress. Firstly, there’s time-consuming paperwork that needs to be completed. Next, the bank takes time to assess your solvency and approve the application. Finally, you need to visit the bank in person, stand in line again, sign on the dotted line and only then the money will be transferred to the bank account.

Saldo’s consumer loan online is ready to use and in your bank account within minutes. No queues or documents. The process is simple and streamlined, so you’ll have more time to focus on achieving your financial goals.

Flexible and individual conditions

Each application is evaluated individually. As a result, each loan offer is tailored to suit the client's current financial situation.

Interest rates for our consumer loans start at just 9%.

You can get a consumer loan online and the lowest interest rate in one place. Use our loan calculator to find out how much your monthly repayments will cost up front.


Saldo Finance is a responsible lender that operates in Lithuania, Sweden and Finland. In Finland, Saldo is the market leader in the lending space.

We specialise in innovative and automated lending solutions. You can trust Saldo as your financial partner for everything life throws your way.


Saldo offers consumers the option of getting credit fast. The application process is simple and straightforward. The entire loan issuance process is automated, so you won’t be burdened by stacks of paperwork or doing calculations.

Simply choose the amount you wish to borrow and fill in the application. When this is complete, Saldo will show you the best available offers and transfer the money to your account as soon as you accept.

Saldo offers inexpensive and fast consumer loans on flexible terms

At Saldo, we focus on providing convenient loan solutions for our customers. Our loan application process is extremely fast (one of the quickest loan applications available today). We treat all our customers with respect and lend responsibly by offering customers the best offer based on each individual’s current circumstances.

Our automated system relies on SODRA data and Scorify econometric data analysis to accurately and impartially assess your solvency and provide credit on the best terms. Easily borrow consumer loans from €500 to € 3 000. The interest rate available for our consumer loans start at just 9%. By filling out our application you can get an offer in a couple of minutes and get on with meeting your financial goals.

Frequently asked questions about Saldo’s fast consumer loans

Get a consumer loan online now!

It only takes a couple of minutes of your time to complete the application. Click Fill in the application and enter all the required data. The consumer credit will be transferred to your account at almost instantly. This means you won’t have to waste time waiting, queuing or signing stacks of paperwork. Saldo is your reliable and fast financial partner for all of life’s situations.