Apply for a loan


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%.

Saldo SMS Lån 3 000 - 5000 kr

Saldo SMS Lån is now a even more flexible revolving credit.

Revolving credit limit 5 000 kr
Automated Online Application
Credit Check without UC

SMS Lån – SMS Loan Sweden

Saldo SMS Lån, now a flexible revolving credit with a credit limit of 5 000kr, is for people looking for a small loan to cover unexpected costs. Our automated process is quick and easy, with no paperwork. Once you’ve been approved for a loan, you can choose to withdraw the money in small amounts, or have the whole amount transferred to your bank account. When you make a repayment, the amount will be added back to your credit limit for you to use when you want or need it.

SMS loans, or withdrawals from your revolving credit, start from 3 000 kr and go up to 5 000 kr. As this is a high-cost credit product, if you miss a repayment, you may be subject to reprisals. If you are concerned about repayments, contact our friendly customer service team. We’re here to help.

How do you apply for a revolving credit

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.

What is an SMS Loan?

SMS loans or quick loans are a form of micro-loan intended for people who need some quick cash to cover unexpected situations. You can apply for an SMS Loan without risking a credit report with UC (Upplysningscentralen), which can affect your credit rating.

Saldo’s loans don’t require paperwork or showing up in person. The application process is quick, easy and online. Our technologically advanced systems mean you can apply for a loan from wherever you are.

We’ll never ask what you need the loan money for, as many of the traditional banks often do. That’s your business. But as this is a high-interest product, you should only apply for an SMS loan or any quick loans in an emergency.

Loan money deposited directly to your bank account

With our fully automated application process, you can apply for a loan from anywhere in the world. Need cash urgently while abroad? As long as you have an internet connection, you can apply for a loan instantly.

Apply for your loan and you can have cash at your fingertips within minutes. We’ll transfer it directly to your nominated bank account.

You don’t have to explain what you need the SMS loan money for: we don’t operate like a traditional bank that needs endless paperwork for approvals. Our focus is getting you cash at the moment you need it most.

Revolving credit

Interest and expenses

  • Expense
  • Expense Nominal fixed interest rate
    Price 19,5 - 39,5%
  • Expense Effective interest rate
    Price 26,5 - 74,4%
  • Expense Setup fee
    Price 395 kr
  • Expense Administration fee
    Price 0 kr
  • Expense Withdrawal fee
    Price 45 kr

Frequently Asked Questions about SMS loans

Below you will find the most common questions about SMS loans. If you can’t find the answer to your question, contact our friendly customer support team. We’ll respond to your questions as soon as possible.

Quick money from Saldo

If you need an SMS loan, Saldo is the place to go. Instead of an expensive SMS loan, you should consider our flexible revolving credit. We offer an automatic application process, which takes just a few minutes to complete.

Once approved, you’ll have quick cash deposited into your bank account. It’s that easy.