Saldo fast loans

Our automated lending system provides an offer to each customer individually. If the SODRA and Scorify rating tools flag the application, Saldo may not approve your application. However, you’re free to reapply when your financial situation changes.

Here are the main reasons why your application may be rejected:

• Your current ”length of service” is too short.

You need to have worked in your current place of employment for at least 4-6 months for the system to assess your solvency.

If that amount of time hasn't passed yet, just wait and fill out the application again in a few months. Saldo quick loans can also be granted to the unemployed or those working under individual activities, copyright agreements, etc.

• Your income would not be enough to cover all your existing liabilities.

The monthly installment and income-to-income ratio of all your financial liabilities (loans, credits, leases, installments, etc.) cannot exceed 40%, i.e. if your liabilities already require close to 40% of your net monthly income. You may not be eligible for a fast loan, and your Current Deposit may be too high.

Cover your existing financial obligations and contact us again. If your income increases, then we encourage you to re-apply. When you borrow responsibly, a quick loan online brings the most benefits.

• You are in arrears or late making a payment to another loan company.

Any arrears you have, late repayment, or recently covered arrears may lower your solvency rating. If you have recently (within 60 days) repaid your credit, been late in paying your credit installments, or your debt has been recovered, there is a good chance that we will not be able to provide you with instant credit online.

If any of the above apply to you, just wait more than 60 days from your last credit repayment. After this period has lapsed, you’ll be in a better position to re-fill out the application as you may have recovered your positive credit rating.

• Other reasons.

Fast credit online may also not be available because you have recently changed jobs. If you have taken on a new job, you’ll be required to meet the length-of-service condition mentioned above. Once this period has passed, you can fill out the application form again.

You may also be registered in certain databases, which may also be a reason for not having your application for credit approved. Log out of any databases and as soon as you receive confirmation, you can then fill in the application for quick credit online from Saldo.

Life is unpredictable. No matter how well we have planned financially, unexpected circumstances arise and extra funds are needed. Borrowing from a traditional financial institution is often a complicated and lengthy process, which is not helpful when you need cash right away. This is where fast loans, which allow quick and secure access to credit, are particularly useful.

It’s worth considering using fast credit when you need to cover financial obligations, such as unforeseen expenses for housing or car repairs. This is probably the best and most effective short-term financial solution.

Our automated system approves your application for Quick Credit within one minute of completing the online form. The money then arrives in your bank account in just a couple of minutes, providing you with an extra layer of financial security.

Fast credit, like other Saldo lending services, is subject to fees. There are two of them in total:

• Monthly loan administration fee 4.95–9.95 € (fixed, paid monthly)

• Interest Rate - calculated individually for each client, starting from just 9%

No. Completing the application does not create a binding legal agreement.

After completing the application for fast credit, you only submit an online request to Saldo Bank. We evaluate it and send you an individual offer for quick credit online in a minute.

If you are satisfied with the conditions, you can confirm the agreement and we will immediately transfer the money to the bank account specified by you.