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Saldo Bank

BankHigh-cost creditNo UC

Saldo Bank is a bank that lends directly. An answer to a loan application covers only Saldo Bank's own loan.

Terms and examples

The examples are calculated with the rate and fees in Saldo Bank's terms. Ad: we are paid if you continue to Saldo Bank.

Saldo Bank is in the comparisons: Quick loans and Loans without UC.

Effective rate
32.45–78.04%
Loan amount
SEK 5,000–40,000
Credit check
Dun & Bradstreet

Rate, fees and example checked 16 October 2026 against Saldo Bank's terms

Saldo Bank's terms in their own words

The figures on this page come from here. The quotes are in Swedish, as Saldo Bank publishes them. We check the text against Saldo Bank's site and note the date.

Terms · saldo.com/se-sv/lana-pengar/kontokredit
En kontokredit med en kreditgräns upp till 40 000 kr med en bunden marginalränta på 20%, en referensränta på 2% som fastställs halvårsvis (tot. 22%) … och en återbetalningsperiod på 5–30 månader, beroende på det lyfta lånebeloppet. Uppläggningsavgift 390 kr, månadsavgift 39 kr per månad och uttagsavgift 195 kr. … Ett representativt exempel: Vid utnyttjad kredit på 5 000 kr, en bunden marginalränta på 20%, en referensränta på 2% och 12 månaders betalning, blir det totala återbetalningsbeloppet 6 740,63 kr (561,72 kr per månad) och motsvarar en effektiv årsränta på 78,04%. … Effektiv ränta 32,45 - 78,04 % … Vi använder oss av Dun & Bradstreet

Taken from Saldo Bank's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].

In its favour

  • Credit line: you pay interest only on what you have drawn.

Worth considering

  • High-cost credit: effective rate 32.45–78.04% in the example.
  • Credit line: setup fee SEK 585, notice fee SEK 39/month.

Common questions about Saldo Bank

Does Saldo Bank make a UC credit check?

No. Saldo Bank gets the credit check from Dun & Bradstreet. It does not show at UC, but it is still a credit check.

Is Saldo Bank high-cost credit?

Yes. Credit counts as high-cost credit when the effective rate is at least 32%. Saldo Bank is at 32.45–78.04% in the example.

What happens if I cannot pay?

Contact the company before the due date. Otherwise a reminder follows, then late-payment interest, and finally debt collection and Kronofogden (the Swedish Enforcement Authority), which leads to a payment remark. Interest and fees may never add up to more than you borrowed.

How much can I borrow from Saldo Bank?

Up to SEK 40,000. How much you get depends on your finances, and the figures on the page are examples.