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Internet bank

Consumer loan

When you need it the most

In just a few minutes, Saldo will find a loan solution that’s perfect for you.

  • Fast and fully automated decision making process
  • No paperwork or documents required

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 €.

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.

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.

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 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

    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.

Apply for a loan

Our products and customer service adapt to the ever-changing everyday and everyone’s personal needs. Need a loan right away? No problem. Chat, email, app, call? We got you.


We make sure our customers can keep their finances in order. Our dynamic pricing and monthly instalments allows tailoring to each customer, taking into account their life situation and everyday spending.


No hidden fees, no shady stuff. Our communications is always jargon free and to the point. We keep our promises and create digital products like they should have been done since the get-go. We take pride in being a responsible lender.

Appreciated by many of you

4.64 / 5

based on 3545 reviews on