Experience a new kind of banking service
Effortless, flexible, affordable, reliable. These are the things you can expect from our service.
Revolving credit
You get a personal credit limit from which you can make quick additional withdrawals if necessary
Credit card
This card goes wherever you go - you can make payments both online and in stores, in Finland and abroad.
Consumer loan
For life's big and small purchases. Get a loan of up to €10,000 with a flexible repayment period.
Term deposit
Safeguard your savings and put them to work for the future! Get a high interest for a protected term deposit.
Smart solutions for everyday needs
We are a trustworthy and reliable Nordic fintech company. We pay close attention to the financial needs and profile of every one of our customers.
Each loan decision is evaluated on an individual basis.
Effortless
We are techies at heart, and we strive to make the most of latest technologies to create the best possible customer experiences. Our completely digital, document-free applications are just one of the perks of tech.
Flexible
Our products and customer service adapt to the ever-changing everyday and everyone’s personal needs. Need a loan right away? No problem. Chat, email, app, call? We got you.
Affordable
We make sure our customers can keep their finances in order. Our dynamic pricing and monthly instalments allows tailoring to each customer, taking into account their life situation and everyday spending.
Reliable
No hidden fees, no shady stuff. Our communications is always jargon free and to the point. We keep our promises and create digital products like they should have been done since the get-go. We take pride in being a responsible lender.
Appreciated by many of you
6670 reviews
6670 reviews
Helppo nopea turvallinen.
Selkeä ja toimiva Hyvä kaikkiaan
Kaikki toiminu ja selkeät sivut
Tämä oli loistavaa palvelua ja sain päätöksen todella nopeasti. Kiitos Yt. Annina Hirvikallio
Nopea, mutkaton
Asiallinen suhtautuminen asiakkaaseen.
Why choose our financial products?
Our loans are highly personalised, with every detail tailored to your individual financial situation. You can get an affordable loan for practically any situation from our versatile range of lending products.
The application is fast and easy to complete. We don’t require income statements or any other guarantees. We’ll give you a decision on your loan application immediately and the cash will be available to you straight away.
As a valued customer, you’ll gain access to our Saldo Internet Bank service which you can use to manage your loans.
We’ll structure an affordable loan that meets your needs
You’ll receive a personalised loan and repayment plan
If required, the loan capital will be transferred to your bank straight away
Jokerit Credit Card
Pay for the seasonal membership with Jokerit Credit Card and get 0% interest for 4 months
Learn MoreHave a question? We answered most of them already.
Cannot find answer to your question?
Contact usWho can apply for a loan?
Who can apply for a loan?
You can apply for a consumer loan, if you live in Finland, you are over 18 years old and your financial situation allows for the repayment of the loan. We check the repayment ability of our customers electronically, so you do not have to send any paper documents. Consumer loans are always personal and you can not apply for them with other people.
How fast are the applications processed?
How fast are the applications processed?
All loans applications are online, which means they will be processed immediately. Consumer loans can be used immediately after completing the application process, which means the processing takes up only 3 - 5 minutes at best.
If you have been granted a loan between 23:00 and 07:00, the first withdrawal or loan will be transferred to your account after 07:00 according to the law. Subsequent withdrawals will be transferred to your account immediately, regardless of the time of day.
How are the interest rates determined?
How are the interest rates determined?
The interest rates are determined by the financial situation of the customer. Every customer gets a personalized offer, which has an interest rate calculated for the customer specifically. You can find out your own interest rate only by filling in a loan application. Filling the application does not oblige you to anything and the customer always has a 14 day cancellation period.
How are the loan terms determined?
How are the loan terms determined?
Our loans are very different in terms of repayment, which makes our loan services versatile and flexible.
For example, the revolving credit doesn’t have a fixed loan term. You can access the loan again as you pay the repayments.
When applying for the consumer loan, you can choose a suitable monthly repayment amount from 1 - 5 options and choose a suitable loan term. Loan terms vary between 12 and 88 months depending on the loan amount and the size of the monthly repayments.
Our car loan is also repaid in fixed monthly repayments, which are determined by the loan amount. You can still choose a loan term just like with the consumer loan.
Can I have several loans?
Can I have several loans?
Yes. You can apply for new loans through Saldo Bank, but we check your ability to repay with every new application.
Easily manage your Saldo Bank products with Internet Bank
- View payment schedule
- Make payments and money withdrawals
- Find all the necessary information
