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The easy solution for your everyday expenses

Loans in minutes. No paperwork required.

Apply for a loan

SEK 20,000
Monthly payment:SEK 1,022
Interest rate:19.5%
Loan management fee:SEK 0 / month
Opening fee:SEK 395
This is only an estimation. Apply to get the offer!* Application process in Swedish

Loan management fee


Service open


Monthly payments from

SEK 999

Interest rate from

Revolving credit with a credit limit up to 20 000 kr with an interest rate of 19,5-39,5%, annual percentage 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 annual percentage rate (APR) 74,4%.

Apply for a loan from Saldo up to SEK 20 000

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.

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 5 000

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 SEK 3 000 up to SEK 5000 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. This loan is known as ‘high-cost credit’, which means that you are borrowing money at a higher interest rate.

Revolving credit limit SEK 20 000

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 20 000 (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 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 SEK 20 000 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 us

You can apply for loans up to SEK 20 000 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 Finance.

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.

All our applicants receive a personalised offer based on their current financial situation.

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.