Saldo Bank LT review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Saldo Bank LT lends its own money through a fixed-rate consumer loan, aimed at individuals in the markets it serves who want a straightforward home improvement loan. Interest runs at an APR of 15.7% to 84.7%, with a monthly loan administration fee on top.
Key facts
- Best for
- A personal loan for home improvement that lands in the account the same day.
- APR
- 15.7% to 84.7%↗
- Loan amount
- €500 to €5,000↗
- Term
- 12 to 60 months↗
- Arrangement fee
- EUR 5.95-8.95 per month (loan administration fee)↗
- Funding time
- Money in the applicant's bank account in about 5 minutes↗
- 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)↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Individual borrowers resident in the markets served; identity verified through Smart-ID, Mobile-ID or Ondato using a personal identification number↗
- Loan types
- Personal↗
- Use cases
- Home-improvement↗
- Legal entity
- Saldo Bank UAB↗
- Headquarters
- Lithuania↗
- Founded
- 2006↗
- Support channels
- Email, Phone, Chat, Help-centre↗
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- saldo.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Interest is fixed, so the fixed rate holds for the life of the loan
- Funding is quick: Money in the applicant's bank account in about 5 minutes
- Early repayment is free, so you can clear the balance sooner without penalty
- Support runs through email, phone and chat
Cons
- A monthly loan administration fee of EUR 5.95-8.95 per month (loan administration fee) sits on top of the interest
- Interest is high at 15.7% to 84.7% against a site median of 14.43%
- Borrowing is capped at €500 to €5,000, so larger projects need another lender
Who it suits
- Individuals in the markets Saldo serves who are funding home improvement
- Borrowers who want a fixed-rate personal loan repaid monthly
- People who can settle the balance early without a charge
Who should look elsewhere
- Borrowers after a large sum, since €500 to €5,000 is the ceiling
- Anyone comparing lowest rates, as 15.7% to 84.7% is well above 14.43%
- Applicants who want a loan with no monthly fee, given EUR 5.95-8.95 per month (loan administration fee)
Deposit protection
Saldo is a direct lender rather than a broker, and the borrower deals with Saldo Bank UAB throughout. Its representative example shows a fixed-rate loan repaid over the term with the monthly loan administration fee added to the interest, and the page notes this is an estimate. No deposit protection scheme is listed, since this is a lending product rather than a savings account.
The company behind it
The lending entity is Saldo Bank UAB, based in Lithuania and operating since 2006. Customers are verified with Smart-ID, Mobile-ID or Ondato against a personal identification number. Help is offered through email, phone and chat, so you can reach the bank by email, phone, chat or its help centre. The two regulators named for its home market are the Bank of Lithuania and the European Central Bank.
How Saldo Bank LT compares
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.7
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.7Sofkredit charges 10.74% to 18.06%, a cheaper rate than the 15.7% to 84.7% Saldo charges.
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.9
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.5
9.2 vs 9.4- 9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.2
9.2 vs 8.1
9.2 vs 8.0- 9.2 vs 8.0
Where Saldo Bank LT 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 interest rate does Saldo charge on a consumer loan?+
The APR is 15.7% to 84.7% on a fixed-rate loan, set out in the general terms and conditions of the consumer credit agreement. The rate type is fixed, so the interest does not drift during the term. Costs also include a monthly loan administration fee of EUR 5.95-8.95 per month (loan administration fee).
How much can I borrow and over what term?+
Loans run from €500 to €5,000 over terms of 12 to 60. Saldo offers personal loans only, and the stated use case is home improvement. Larger projects will need another lender, since €500 to €5,000 is the ceiling.
How quickly do I get the money?+
Funding is fast: Money in the applicant's bank account in about 5 minutes. The page lists same-day funding as a feature, which suits anyone who needs cash for a repair or improvement quickly. Applications are handled as a direct lender, not routed through a broker.
Can I repay the loan early without a charge?+
Yes, free early repayment is one of the terms on the pricing page. That is useful if your income improves or the project finishes sooner than planned, because you can reduce the balance and cut the interest you pay.
Who regulates Saldo Bank?+
The entity lending to you is Saldo Bank UAB, headquartered in Lithuania and founded in 2006. The regulators named for its home market are the Bank of Lithuania and the European Central Bank.
What will I pay in total on a typical loan?+
The representative example shows a fixed-rate loan with a monthly payment, the monthly loan administration fee added, and a total amount to repay over the term. The page states this is an estimation, so treat it as a guide rather than a quote.
How do I get help once I have a loan?+
Support is available through email, phone and chat, giving you email, phone, chat and help centre options. The bank has run since 2006 and lends as a direct lender, so your questions go straight to Saldo Bank UAB.
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.
Related by the facts
Saldo Bank LT
A personal loan for home improvement that lands in the account the same day.