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The easy solution for your finances

Loans in minutes. No paperwork required.

Revolving credit

A flexible loan for everyday expenses

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Saldo - supporting you in all situations

Saldo is a reliable and responsible financing company that offers a range of consumer credit products. You’ll find us in Sweden and Finland.

Loan decisions are made on a case-by-case basis, following a thorough review of each customer’s financial wellbeing. We then create a personal loan offer to fit your unique preferences and situation.


We are techies at heart, and we strive to make the most of latest technologies to create the best possible customer experiences. Our completely digital, document-free applications are just one of the perks of tech.


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

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Why should you choose Saldo?

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

Credit reviews with a difference

We have partnered with Bisnode to carry out credit reviews of our customers and fairly determine whether applicants are eligible for a loan with us. Bisnode is a reputable and experienced credit reporting service, and an alternative to UC.

While we don’t ask for paperwork or reasons why you need a loan, Saldo is legally obliged to compile credit information on all of its loan applicants.

Have a question? We answered most of them already.

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You can apply for loans up to 20 000 kr by filling out our online application. Our system will analyse your request and financial situation and create an offer that’s unique to you within minutes.

Anyone over 18 years of old, with a Swedish BankID and a Swedish bank account can apply for a loan with Saldo.

You also need some kind of income to be approved for a loan from us.

No, our loan products do not require any forms of collateral or guarantees.

All our applicants receive a personalised offer based on their current financial situation.

In some cases, it may be possible to borrow money, even if you have a low income. To find out whether you have the chance to obtain such a loan, you must first apply using our online application.

No, you can't. To receive the funds, you need to be the owner of the bank account where the money will be directed.

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