Revolving credit
The easy solution for your everyday expenses
Apply for a credit
Loans in
Service open
Monthly payments from
Interest rate
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
Revolving credit from SEK 3 000 - SEK 30 000
Saldo Bank offers fast revolving credits with a credit limit of SEK 5 000 or SEK 30 000 – and with flexible withdrawals so you can use the money when you want, and how you want. You decide when to make a withdrawal from your approved credit limit, and you choose how much you want transferred to the bank account of your choice.
Transfer the entire credit amount at once, or tap into your loan in smaller amounts. When you pay back any amount of the loan, the sum will be added back to your credit limit and made available to you for future withdrawals.
What you spend your fast loans on is entirely up to you. What matters is that the money is there when you need it. And with easy, flexible withdrawals, our credit is the perfect safety net to cover sudden expenses, or help you purchase more expensive items.
Fast process
- 1
Choose your loan product
Select one of our products based on your personal needs and your current financial situation.
- 2
Fill out the application
Complete our online form. It’ll take you less than 5 minutes to fill out.
- 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 our internet banking service, where you can also find your credit limit, balance, invoices and other information related to your loan.
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What is our revolving credit?
Our revolving credit is a form of consumer credit or account credit, from SEK 3 000 up to SEK 30 000. What’s different about Saldo Bank quick loans is that once you’ve been approved, it takes just five minutes for the money to land in your account. You can either use the full amount, or just withdraw what you need at that moment. We’ll make sure you stay within your credit limit.
Once you’ve made a repayment, that amount will be credited back to your credit limit: if you need to spend it again, you can.
Revolving credit or credit card?
The two most common types of fast personal loans are account credit – which is what our revolving credit is – or a credit card. Everyone’s financial situation is different, but to help you make the right decision for your circumstances, we explain what each of these types of credit are.
Card Credit
Credit cards have been kicking around since the 1950s, so most of us are familiar with what they are. Basically, it’s a small personal loan, in plastic form.
Similar to revolving credit, people with credit cards don’t need to tell their issuer what they use the credit card for – but once they hit the limit on that card, they can no longer spend on credit.
A bill with interest will be arriving, and it needs to be paid.
Revolving Credit
Customers looking for more flexibility with their money are better suited to a credit account. The main reason for this is that revolving credit can be used and as soon as it’s been repaid, it can be used again immediately.
This means that at long as you keep up with monthly invoices, you’ll always have access to credit. Both revolving credits and credit cards are useful: it really comes down to your personal financial preferences.
Saldo Bank is a flexible partner for your financing needs
Saldo Bank offers you competitive flexibility and favourable prices which are among the lowest on the market. Once your loan application has been approved, you can make as many withdrawals as you want, within your revolving credit limit.
The amount you repay at the end of the month will be credited directly to your credit limit and you’ll immediately have access to the renewed amount.
For example:
Let’s say you’ve been granted an online credit amount of SEK 10 000. You spend SEK 2 000, and repay that amount after a few days. As soon as that repayment of SEK 2 000 has been received by Saldo Bank, your existing credit limit returns to SEK 10 000 – and you can spend it on whatever you want.
Have a question? We answered most of them already.
Cannot find answer to your question?
Contact usA credit loan is simply a type of credit that you can be approved for within minutes.
You can spend the approved amount on whatever you want or need, and repayments will include interest and other associated costs.
You can apply for 30 000 kr when you apply for our revolving credit.
You can use this credit for whatever you want or need – you won’t be asked to specify what you are planning to use the money for during the application process.
After you have completed the online application, our automated system will immediately check and either approve or deny the loan. If your application is approved, the money will be in your bank account within 3-5 minutes.
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.
If you have difficulty repaying your loan, it is extremely important that you contact us as soon as possible and let us know why you’re not able to repay your loan
Missed payments can result in unnecessary payment notes, which can make it difficult to be approved for new loans in future. If you receive a reminder or late notice, don’t ignore it. Get in touch: we’re here to help.
If you have not received any invoices from Saldo Bank yet, it is important to get in contact with us in order to find out why.
We do not use the traditional credit check via UC. We use other channels to evaluate and assess your creditworthiness and your ability to repay a quick loan.
