The easy solution for your finances
Loans in minutes. No paperwork required.
Revolving credit
You get a personal credit limit from which you can make quick additional withdrawals if necessary
Term deposit
Safeguard your savings and put them to work for the future! Get a high interest for a protected term deposit.
Saldo Bank - supporting you in all situations
Saldo Bank is a reliable and responsible financing company that offers a range of consumer credit products. You’ll find us in Sweden, Finland and Lithuania.
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.
Effortless
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.
Flexible
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.
Affordable
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.
Reliable
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
6670 reviews
6670 reviews
Snabb behandling av låneansökan och snabb utbetalning till konto i Nordea.
Enkelt och snabb hantering.
Bra och säkert. Lätt att hantera.
Lätt o snabbt
Mycke bra recommandera
Väldigt bra
Why should you choose Saldo Bank?
Saldo Bank 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 Dun & Bradstreet to carry out credit reviews of our customers and fairly determine whether applicants are eligible for a loan with us. Dun & Bradstreet 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 Bank is legally obliged to compile credit information on all of its loan applicants.
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usYou can apply for loans up to 30 000 SEK 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 Bank.
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.
The interest rate on your loan consists of the margin and the reference interest rate according to Section 9 of the Interest Act. The reference interest rate is checked according to the terms of the credit agreement always on the interest rate check days.
However, the total interest rate is always at least 0%, even if the reference interest rate is negative.
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.
Easily manage your Saldo Bank products with Saldo Internet Bank
- View payment schedule
- Make payments and money withdrawals
- Find all the necessary information
