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Monthly payment Loan period: 31 months

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Consumer credit 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 effective annual interest rate (APR) on a loan of 1 500 € is 65.14%. The interest rate taken into account in the calculation is 29 %, the loan management fee is EUR 5,95 per month. The total amount of the loan and loan costs is 2 477.11 €, while the installments are 36 and the installment is 68,81 € per month.

How to Get a Saldo Consumer Loan?

Getting a Saldo consumer loan is extremely convenient. It takes just a few minutes from filling out the application form to having the funds in your bank account.

Here's how you can get a Saldo Consumer Credit or Online Saldo Consumer Loan:

How to fill out an application for a loan

1. Choose the amount of consumer loan you 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 in 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.

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 submitted when completing the application.

The process 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. You can quickly 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?

Generally speaking, a consumer loan is a financial service. Consumers use it when they need money for small, medium or large expenses. Most people use Saldo Finance for a consumer loan when they need a home or car repair, or want to fund a holiday. A consumer loan differs from a home loan or lease in that the lender does not need to pledge or mortgage the property. A consumer loan is now available online - quickly and easily.

Consumer credit or a consumer loan is probably the fastest way to access funds for goods and services. 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!

More information on Saldo Loans.

Why Choose a Saldo Consumer Loan?


Getting approval for a consumer loan from a bank is generally a long process. It takes most people a long time to complete and submit all the required paper documents. On top of this, the bank needs time to assess your solvency and approve the application. Finally, you need to come again, stand in line again, put the signatures and only then, within a certain time, the money will be transferred to the bank account.

Saldo’s consumer loan is ready to use and in your bank account within minutes. No queues or paper documents. The process is quick and easy, 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 quick consumer loan online and the lowest interest rate in one place. With our loan calculator, find out how much your monthly repayments will cost up front.


Saldo Finance is a responsible lender. We operate not only in Lithuania, but also in Sweden and Finland. In Finland Saldo is the market leader in the lending space. We specialize in innovative and automated lending solutions. You can trust Saldo as your financial partner for everything life brings your way!


Saldo offers consumers the option of getting quick and easy credit. 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 send you the best available offer and transfer the money to your account as soon as you’re happy with your loan offer!

Saldo offers inexpensive loans on flexible terms

At Saldo, we focus on providing convenient loan solutions for our customers. Our loan application process is extremely fast (probably one of the quickest loan applications available today on the market). 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 a consumer loan

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.