Apply for a loan


3 000 kr

Monthly payment Loan period: 4 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

Saldo SMS Lån is a continuous loan of up to 5 000 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. Monthly payments starting from 249 kr.

Example of loan repayment: In the case of used credit of 5 000 kr, an interest rate of 19,5% and 12 installments, the total amount of the loan and loan costs is 6031,56 kr (502,63 kr per month) and effective annual interest rate (APR) 42,8%.

Saldo SMS Lån 1000 - 5000 kr

With our fully automated application process you now have the opportunity to apply for SMS Lån wherever you happen to be.

Saldo SMS Lån 1000 - 5000 kr
No credit check with UC
You will receive the money directly into your account

SMS Lån - money directly from Saldo

The target group for our financial product, Saldo SMS Lån, is individuals who are looking for smaller loans in order to cover unforeseen financial expenses. You can choose to withdraw the money in smaller amounts, or to get it all transferred at once to your bank account. Once you pay back the transferred money, it will be added back to your credit limit and is available for further withdrawals.

The specific loan amount you can apply for is starting from 1 000 kr at the lowest and 5 000 kr at the highest. Our product is a so-called high-cost credit, which means that if you fail to repay the credit within the stipulated time, you can be subject to reprisals in the form of payment remarks and collection.

How to apply for a SMS Lån

1. Choose SMS Lån

Do you only need a small loan? Choose SMS Loan and an amount between 1 000 kr and 5 000 kr.

2. Fill in the loan application

It only takes about 3 minutes to complete.

3 minuter
3. Money directly into your account

You get your loan into your bank account as soon as you get a positive loan decision.

4. Further withdrawals

Further withdrawals can be made by sending a SMS with SALDO and the amount you want to withdraw (Saldo 500). Always withing your given credit limit.

What is an SMS Loan?

Sms loans or quick loans are a form of micro-loans intended for individuals that need to fund unexpected financial situations. You can apply for without risking a credit report with UC (Upplysningscentralen), which in turn may affect your credit rating. You thus have the opportunity to apply for SMS loans no matter where in the world you happen to be at the moment.

Saldo never applies the lengthy and tedious processing processes that traditional banks usually tend to bore their with clients during the loan application process. Instead, our focus is solely on offering a fast, simplified and automated application processes.

We also do not ask questions about what you intend to use the money for, as many of the traditional banks often do. However, it is important to underline the fact that since the loan is (in most cases) in the lower segments, it comes with high-interest rates. That is why you should only apply for SMS loans only in emergency situations.

Sms loan money deposited directly to your bank account

With our fully automated application process, you now have the opportunity to apply for SMS loans no matter where in the world you are. It doesn’t matter whether you encounter problems during your vacation or experience problems with the car in the middle of nowhere, you still have the opportunity to apply for an SMS loan in only a few minutes, provided you have a working internet connection of course.

From the moment you send in your application to having your money available in the bank account generally only takes a few minutes. If we approve your loan application, you will have your money deposited in your bank account within minutes. This is precisely why SMS loans have become so popular among our consumers because you get the opportunity to apply and get a loan paid out in just a few minutes.

We at Saldo do not require you to specify any unnecessary questions about what you intend to use the loan for. We are not operating as a traditional bank with long processing times but focus on streamlining and offering a fast loan process for the least possible time.

Saldo SMS Lån

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 Related to Saldo SMS Loans

Below you will find the most common questions that our customers tend to have when it comes to our loan product. If you do not find the answer to your question, please do not hesitate to contact our customer support. We will do our best to respond to your questions and thoughts as soon as possible

Frequently Asked Questions

Quick money from Saldo

When you are in need of an SMS loan quickly, you can trust us at Saldo. We offer an automatic application process, which itself (in most cases) takes a maximum of 3 minutes to complete. This simply means that you can have your money deposited into your bank account within minutes of submitting your loan application until it is fully processed.