Frequently Asked Questions

Yes, you can also get help in English.

No, you need a social security number because we need to verify your identity.

We carry out all our credit information without using Upplysningscentralen or UC. We use primarily Dun & Bradstreet as our partner in order to check your credit rating, which is mandatory according to Swedish law.

You can get your loan deposited into your bank account within only a few minutes. You just need to fill out our online application and wait a few minutes for our automated process to approve the loan. After your application is approved you will receive the money to your account in minutes if you have a bank account at:

• Swedbank

• SEB

• Nordea

• Danske Bank

If you have another bank, you should receive the money the same or the following bank day.

We can sometimes approve your loan application without fixed income. But in order for you to get an answer on whether you apply, you need to first complete our online application and send it away.

You can only have the money deposited in your private bank account and not in someone else's name.

You can apply for more loans by completing the application again. We do require that 99 days have past since the last time you took a loan from us and that you are up to date with your payments.

Yes, you can always check how much loan you have left to repay by contacting our customer service.

The short answer to that is, yes! However, you need to contact us through our customer service, if you have not yet received an invoice from us.

Yes, all term deposits up to €100,000 per person are insured. Note that the limit is per person and not per term deposit agreement.

You only need to fill out the application, identify yourself and sign the contract remotely on our website. The process of signing the contract is completely remote.

A fixed-term deposit cannot be withdrawn before the agreed maturity date of the deposit.

Accrued interest is paid on the following bank date of the due date of the deposit together with the initial deposit.

No, the term deposit cannot be extended but it can be renewed for the same term but with the updated interest rate for that specific day.

If you want to change the sum or terms of your deposit, you can start a new application on our website.

The process of entering into the contract is completely remote. You can fill out the application, identify yourself and sign the contract remotely on our website www.saldo.com.

When your deposit expires, the accrued interest is transferred to your account. If the due date is a holiday, the transfer will be made the following bank day.

Prior to term deposit maturity date, turn on the auto-renewal function in Saldo Internet Bank and your term deposit will be renewed automatically for the same term as the original, with the applicable interest rate on the renewal date. You can find auto-renewal and turn on/off at the bottom of general information of your term deposit.

In order to cancel the term deposit that automatically renewed, please open the Saldo Internet Bank and your term deposit account. There you will see a notitication about auto-renewal and an option to cancel the contract. You can cancel the term deposit 1 month after it has renewed.