Saldo Finance review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Saldo Finance suits borrowers who want a small, fixed rate personal loan funded the same day. Borrowing runs €500 to €5,000 over 12 to 60 at 15.7% to 84.7%, which sits above the site median for personal loans, with speed and a fixed rate in return.

Key facts

Best for
A quick fixed rate personal loan for home improvement, funded the same day.
APR
15.7% to 84.7% (Source, checked September 26, 2026)
Loan amount
€500 to €5,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
EUR 5.95-8.95 per month (loan administration fee) (Source, checked September 26, 2026)
Funding time
Money in the applicant's bank account in about 5 minutes (Source, checked September 26, 2026)
Representative example
Consumer loan: 12 months at 12% interest, EUR 231.07 monthly payment, EUR 8.95 per month loan management fee, EUR 2,772.80 total to repay (page states this is an estimation) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Individual borrowers resident in the markets served; identity verified through Smart-ID, Mobile-ID or Ondato using a personal identification number (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Saldo Bank UAB (Source, checked September 26, 2026)
Headquarters
Lithuania (Source, checked September 26, 2026)
Founded
2006 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
saldo.com

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Fixed rate pricing: fixed interest on fixed rate loans, so the monthly payment does not drift.
  • Speed: same day funding, with Money in the applicant's bank account in about 5 minutes once checks are done.
  • Free early repayment, listed as a yes, so settling the balance sooner carries no charge.
  • Support runs on email, phone and chat, covering phone, email, chat and a help centre.

Cons

  • APR of 15.7% to 84.7% sits well above the 12.25% median for personal loans on the site.
  • Loan sizes of €500 to €5,000 rule out larger home projects.
  • A charge of EUR 5.95-8.95 per month (loan administration fee) applies alongside the interest, adding to every monthly payment.
Saldo Finance

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers in the markets Saldo serves who can verify identity through Smart-ID, Mobile-ID or Ondato with a personal identification number.
  • Anyone improving a home who needs the money the same day and can carry EUR 5.95-8.95 per month (loan administration fee) each month.
  • Applicants who plan to finish early, since free early repayment is listed as a yes.

Who should look elsewhere

  • Monzo Flex, if a lower rate ceiling matters more than same day funding, with a range of 10% to 23% against 15.7% to 84.7%.
  • Cashspace, if you are shopping outside euro lending, since PHP 12 to PHP 36 is quoted in a different market and currency.
  • Cashspace ES, whose listed APR of 0% is lower than 15.7% to 84.7%, if rate is your only filter.

Who runs it

Saldo Finance is operated by Saldo Bank UAB, a bank based in Lithuania that has been lending since 2006. That same entity is the one named in the consumer credit agreement you sign, so the contract sits with a bank rather than a broker. Questions before or after signing go through email, phone and chat, covering phone, email, live chat and a self service help centre.

How Saldo Finance compares

Where Saldo Finance is available

Available
Finland, Lithuania, Sweden
Licence in Lithuania
Bank of Lithuania, checked September 26, 2026
Licence in Lithuania
European Central Bank, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Saldo Finance personal loan cost?+

Interest on the consumer loan runs at an APR of 15.7% to 84.7%, a wide range set per agreement. On top of the interest, a charge of EUR 5.95-8.95 per month (loan administration fee) is added to the monthly payment. The representative example published with the product is presented as an estimation, so read it as a guide rather than a binding quote.

How much can I borrow from Saldo Finance and over what term?+

The consumer loan runs €500 to €5,000 with terms of 12 to 60. It is listed as personal lending at a fixed rate, and home improvement is the stated use for the money. A larger project or a longer repayment period needs a lender with a higher ceiling.

How fast does Saldo Finance send the money?+

Fast: Money in the applicant's bank account in about 5 minutes once the application is approved, and same day funding is listed as a feature. Identity checks run through Smart-ID, Mobile-ID or Ondato against a personal identification number, so having that ready keeps things moving.

Can I repay a Saldo Finance loan early?+

Yes. Free early repayment is listed as a yes, so there is no charge for settling the balance before the end of the term. With a fixed rate already agreed, paying down early simply cuts the interest you would otherwise owe for the remaining months.

Who can apply for a Saldo Finance loan?+

You can apply as an individual living in the markets Saldo covers, and your identity is checked against a personal identification number through Smart-ID, Mobile-ID or Ondato. The agreement itself is with Saldo Bank UAB, a bank based in Lithuania.

Is Saldo Finance regulated?+

Yes. The licences list the Bank of Lithuania and the European Central Bank for LT. Saldo lends as a direct lender rather than a middleman, so the rate and the fees in your agreement are set by Saldo Bank UAB itself.

How do I contact Saldo Finance?+

Support runs on email, phone and chat, so you can reach the team by phone, by email, through live chat or via the help centre. The bank has been operating since 2006 and lists the same channels across the markets it serves.

How does Saldo Finance compare with other lenders on price?+

An APR of 15.7% to 84.7% is above the 12.25% median for personal loans on the site, and loan sizes of €500 to €5,000 are modest next to larger lenders. What you get for that price is fixed rate lending, free early repayment and Money in the applicant's bank account in about 5 minutes.

Sources

  • saldo.com/lt-en checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “registered address: Zalgirio g. 94-1, LT-09300 Vilnius, the Republic of Lithuania”

  • saldo.com/lt-en/for-partners checked September 26, 2026

    Backs: Founded

    “Founded in 2006”

  • saldo.com/lt-en/legal/general-terms-and-conditions-of-the... checked September 26, 2026

    Backs: Lender type, Pricing model, Rate type, Licences

    “Creditor - Saldo Bank UAB, company code 305334925, registered office address Zalgirio St 94-1, Vilnius”

  • saldo.com/lt-en/loans/consumer-loan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Funding time, Loan types, Arrangement fee, Representative example, Term, Use cases

    “Easily borrow consumer loans from EUR 500 to EUR 5,000”

  • saldo.com/lt-en/pricing checked September 26, 2026

    Backs: Free early repayment

    “Early loan repayment fee EUR 0.00”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Saldo Finance

Saldo Finance

A quick fixed rate personal loan for home improvement, funded the same day.

9.1/10Visit

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