Frequently asked questions

Yes, you can also get help in English.

No, you need a social security number because we need to verify your identity.

We carry out all our credit information without using Upplysningscentralen or UC. We use primarily Bisnode as our partner in order to check your credit rating, which is mandatory according to Swedish law.

Saldo Kredit is a form of credit most commonly referred to as account credit. Saldo offers account credits from 5 000 kr up to 20 000 kr. When you are granted a loan from us, you can choose to either withdraw the full amount of the credit granted or to withdraw smaller amounts at a time. When you then repay what you have withdrawn, you will once again have access to the entire initial credit you were granted after which you can again make new withdrawals from your account.

SMS Lån is similar to Saldo Kredit, but whereas Saldo Kredit goes up to 20 000kr, with Saldo SMS Lån you can only apply for smaller credit limits. The maximum credit limit with Saldo SMS Lån is 5 000 kr, which makes this the perfect credit for smaller credit needs.

Saldo Lån (coming soon) is another form of product that gives you the opportunity to apply for credit from 10 000 kr up to 100 000 kr. This loan comes with great flexibility, especially when it comes to the amortization rate.

You can get your loan deposited into your bank account within only a few minutes. You just need to fill out our online application and wait a few minutes for our automated process to approve the loan. After your application is approved you will receive the money to your account in minutes if you have a bank account at:

• Swedbank
• SEB
• Nordea
• Danske Bank

 

Om du har en annan bank får du pengarna samma bankdag.

We can sometimes approve your loan application without fixed income. But in order for you to get an answer on whether you apply, you need to first complete our online application and send it away.

You can only have the money deposited in your private bank account and not in someone else's name.

You can apply for more loans by completing the application again.