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Example of loan repayment: In the case of a used credit of 5 000 SEK, a fixed interest rate of 20%, a reference interest rate of 2% and 12 installments, the total amount of the loan and loan costs is 6 740,63 SEK (561,72 SEK per month) and annual percentage rate (APR) is 78,04%.
Edited on 2025-07-01 with the updated reference rate
Standard European Consumer Credit Information
Apply for a loan from Saldo Bank up to SEK 30 000
Borrowing money is quick and easy with Saldo Bank. 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.
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 SEK 30 000
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 SEK 30 000 (initial withdrawal min SEK 3 000).
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.
Consumer loan - SEK 10 000 - SEK 100 000 (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 SEK 10 000 and go up to SEK 100 000, 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 Bank 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 Bank is your best friend. Fill in the online application, and you can be approved for a loan of up to SEK 30 000 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.
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usYou can apply for loans up to SEK 30 000 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.
