Apply for a loan

Amount

10 000 kr

Monthly payment Loan period: 11 months

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 hallåkonsument.se

Apply for a loan

Revolving credit with a credit limit up to 20 000 kr with an interest rate of 19,5-39,5%, effective annual interest rate (APR) 26,5-74,4% and a loan repayment period 3 to 30 months depending on the amount of credit used. Loan opening fee 395 kr. Loan management fee 0 kr per month. Loan withdrawal fee 45 kr.

Example of loan repayment: In the case of used credit of 5 000 kr, an interest rate of 39,5% and 12 installments, the total amount of the loan and loan costs is 6 672,89 kr (556,07 kr per month) and effective annual interest rate (APR) 74,4%.

Saldo -The simple solution for your daily expenses.

Loans in minutes. No paperwork.

Revolving credit limits of 5 000 kr or 20 000 kr
Automated Online Application
No credit check with UC

Saldo Finance - Supporting you in all situations

Saldo Finance 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.

How do you apply for a loan

1. Choose your loan product

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

2. Fill out the loan application

Complete our online form. It’ll take you less than 5 minutes to fill out.

5 minutes
3. Money directly deposited into your account

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

4. Withdrawals from your credit limit

Further withdrawals can be made directly from MySaldo or by sending an SMS with SALDO and the amount you want to withdraw (Saldo 500). The amount will only be approved if it’s within your given credit limit.

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 almost instant. We’re a trustworthy and transparent partner that will tailor a flexible loan to fit your circumstances.

Reliability

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.

Speed

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.

Respect

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

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.

Smooth and modern

Always ready

Fast

Latest blogs

2022-11-30

Spending or saving - the latest trends

There’s no getting around the fact that Europe is in a state of turmoil. Having emerged from the COVID-19 pandemic, the continent has been plunged straight into the Russia-Ukraine conflict with virtually no time for economic recovery.

2022-11-11

Saldo holds steady in Fintech Farm’s 2022 guide

The 2022 edition of Fintech Farm’s prestigious annual guide to Finland’s largest fintech companies and start-ups has been released, with Saldo being named in the guide for the third year running.

2022-10-03

Saldo plugs into Inventi

In keeping with its innovative and technologically advanced approach, Saldo Finance will use Inventi’s SEPA CT and SEPA Instant CT Connectors for SEPA payment processing, STI Connector for regulatory reporting to the Lithuanian State Tax Authority and PLAIS Connector to integrate with the Lithuanian Center of Registers.

2022-09-27

Does spending money trigger happiness?

If you’re someone who gets a kick out of unboxing an expensive item, clipping tags off new clothing, or impulse buying because the deal seems too good to miss out on, try not to feel too bad when those pangs of regret (known as buyer’s remorse) arise.