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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 hallå

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%.

Loans from Saldo

Loan money quickly and easily from Saldo.

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

Apply for a loan from Saldo up to 20 000 kr

Borrowing money is quick and easy with Saldo. We’ve made fast and fair loans possible with online applications that don’t require you to travel to a branch or bank, or complete endless paperwork. Keep reading to learn more about the financial products we offer our customers.

Our Most Popular Loan Products

We offer our private customers different types of loan products. Each product is subject to various regulations and has been built to suit different purposes.

Our loans can be used to finance unforeseen costs, or help you splash out on a bigger purchase sooner. What you spend your loan on is entirely up to you – we’ll never ask you to explain why you need the funds.

Revolving credit limit 5 000 kr

This loan is ideal for consumers who are looking for a fast loan to cover an unexpected expense. The loan sums you can withdraw from your credit limit range between 3 000 kr up to 5000 kr making this the best choice when you need to get your hands on liquid funds quickly and easily.

With this particular loan, when you make a repayment, that amount will be added back to your credit limit. This means you can make further withdrawals by logging in to MySaldo or by sending an SMS to Saldo: just let us know the amount you’d like to withdraw. Once we’ve received your SMS, the cash will be transferred to your nominated bank account. This loan is known as ‘high-cost credit’, which means that you are borrowing money at a higher interest rate.

Revolving credit limit 20 000 kr

This product is for people who want to have a credit balance available for unexpected expenses and blips in the road without having to apply for new loans whenever they need a little extra cash.

This is one of our most popular loan options as it offers great flexibility: you can make as many withdrawals as you need between 500 and 20 000 kr (initial withdrawal min 3 000 kr).

Apply online, and you’ll only pay the fees and interest associated with the loan if you choose to use the approved high-interest credit.

Saldo Lån - 10 000 - 100 000 kr (coming soon)

This type of loan is suitable for people who need to borrow higher amounts for items with bigger price tags: a car, a holiday or a rental property deposit.

These loans start from 10 000 kr and go up to 100 000 kr, and can be paid off over a much longer period of time, ranging from 36 months to 20 years. They’ve got low-interest rates too: the effective interest rate will never reach a percentage higher than 29.9%.

Apply for affordable loans quickly and easy

Saldo is a reputable fintech with a long history in the lending industry. We’re here to cover the twists and turns that life can take when you least expect it.

When unexpected expenses start piling up, our automated loan process means you can apply online using a laptop, tablet or smartphone, and be approved for funds within minutes.

Once you get the okay, the cash will be deposited into your bank account within minutes with no paperwork or explanations required. Borrowing money has never been easier.

Fill out a loan application today

When it comes to financial difficulties, Saldo is your best friend. Fill in the online application, and you can be approved for a loan of up to 20 000 kr within minutes. Our loan products have been built to suit all types of situations, so choose the one that suits you best, and the cash will be in your account almost immediately.

Frequently asked questions

Below you will find the most common questions and answers regarding our different loan products. If you have any further questions or concerns, please don’t hesitate to contact our customer support.