Apply for a loan


2 000 kr

Monthly payment Loan period: 1 month

This is a high cost credit

If you are unable to repay the entire debt, you risk a payment default. For support, contact the budget and debt counseling in your municipality. Contact information is available at hallå

Apply for a loan

Price example: Borrow 5 000 kr for 3 months. Setup fee 395 kr, administration fee 0 kr, nominal fixed interest rate 39 %, effective annual interest rate 133,5 %, total repayment 5 749,41 kr (1 916,47 kr per month).

Saldo - The simple solution for your daily expenses

Get a loan in minutes, and without filling out any paper documents

Saldo SMS Lån 3000 - 5000 kr
We do not use UC
Loan decision immediately

Saldo Finance - Your financing partner in all situations

Saldo Finance is a reliable and responsible financing company that operates primarily in Sweden and Finland. Saldo offers its customers a range of consumer credit products that you can apply for.

The most popular of these products are Saldo Lån, Saldo Kredit and Saldo SMS Loan. All loan decisions are made on a case by case basis, following a thorough review of each customer’s financial health. We’ll always find a personal loan to fit your unique preferences and situation.

How do you apply for a loan

1. Choose your loan product

Select one of our popular products based on your personal needs and your current financial situation.

2. Fill out the loan application

Complete our online form, which in most cases should take you no more than 5 minutes to fill out.

5 minutes
3. Money directly deposited into your account

Once we’ve received and processed your loan application (in most cases this takes just a few minutes), your money will be instantly deposited into your bank account.

Why Should You Choose Saldo Finance?

Saldo Finance has more than ten years of experience in consumer financing. Our delivery systems are fully automated and the loan allocation process is generally very fast. We’re a trustworthy and transparent partner that will tailor a flexible loan to fit your circumstances.


At Saldo we’re proud of the reputation we’ve built over the past 10 years as a leading player in the consumer loan market. All of our loan services are fully regulated and monitored by the Swedish Financial Supervisory Authority.


Our loan process is completely automated and it takes less than a minute to apply for a loan. You’ll typically be notified about the status of your application within a few minutes of submitting it, and the money will be deposited directly into your bank account.


Saldo upholds the highest standards of integrity within the loan industry. We treat all of our customers with the utmost respect and consideration.

We do not cooperate with UC

When carrying out credit reviews of our customers we do not collaborate with UC. Instead, we partner with Bisnode to determine whether applicants are eligible for a loan with us. Bisnode is a reputable and experienced credit reporting service.

Be aware that Saldo is legally obliged to compile credit information on all of its loan applicants. This is done for two reasons. First, the law requires it. And second, we need to ensure that all applicants meet the basic standards required to borrow money.

Smooth and modern

Always ready


Latest blogs


Financial health of Lithuanian households during COVID-19

Statistics reveal demand for consumption loans in Lithuania is shrinking, with consumer loan portfolios of banks and credit unions falling 10% in a year. Despite declining interest rates, similar trends are observed in the non-banking sector.


How to Navigate as a Consumer in the Modern Financial World

It’s no surprise that the recent fallout from the COVID-19 Pandemic drastically transformed our reliance on technology. While most of us might know the most significant changes, unprecedented growth has come in the digital marketplace.


Fintech & SMEs - the Dynamic Duo of the Future

The pandemic has disrupted traditional lending dynamics between banks and SMEs. Banks are not as willing to take risks on them. However, this has caused an opportunity for a burgeoning relationship between SMEs and Fintech to develop.


Consumer Loans: Why are Traditional Banks Losing Their Power?

Statistics produced by the Bank of Lithuania show that consumer loan portfolios of traditional banks and credit unions decreased by 6.5% in 2020 and the flow of new loans contracted by 3.5%. According to some experts, this is a trend mainly driven by a lower demand for money. COVID-19 and a higher degree of uncertainty has had a negative impact on consumption, which reduced household borrowing overall.