Loan in Sweden

Compare all loans in Sweden.

Sort loans by different categories:

Loans without interest Loans with instant payouts Loans without uc
Lendo Lendo AB
Lånebelopp, lägsta
10 000 kr
Lånebelopp, högsta
600 000 kr
Ränta
2,95 - 29,95 %
Upplysning via
UC
Betalningsanmärkning
Accepteras
Åldersgräns
18 år
Uppläggningsavgift
0 kr
Fakturaavgift
0 kr
Advisa Advisa AB
Lånebelopp, lägsta
5 000 kr
Lånebelopp, högsta
600 000 kr
Ränta
3,06 - 29,99 %
Upplysning via
UC
Betalningsanmärkning
Accepteras
Åldersgräns
18 år
Uppläggningsavgift
0 kr
Fakturaavgift
0 kr
Zmarta Zmarta AB
Lånebelopp, lägsta
5 000 kr
Lånebelopp, högsta
600 000 kr
Ränta
2,95 - 26,05 %
Upplysning via
UC
Betalningsanmärkning
Accepteras
Åldersgräns
18 år
Uppläggningsavgift
0 kr
Fakturaavgift
0 kr
Northmill Northmill AB
Lånebelopp, lägsta
1 000 kr
Lånebelopp, högsta
50 000 kr
Ränta
4,90 - 20,90 %
Upplysning via
UC
Betalningsanmärkning
Accepteras
Åldersgräns
20 år
Uppläggningsavgift
0 kr
Fakturaavgift
19 kr
Brixo Brixo AB
Lånebelopp, lägsta
3 000 kr
Lånebelopp, högsta
30 000 kr
Ränta
25,95 %
Upplysning via
Bisnode
Betalningsanmärkning
Accepteras
Åldersgräns
18 år
Uppläggningsavgift
0 kr
Fakturaavgift
0 kr
Lumify Luma Finans AB
Lånebelopp, lägsta
2 000 kr
Lånebelopp, högsta
70 000 kr
Ränta
40,25 %
Upplysning via
Creditsafe
Betalningsanmärkning
Accepteras ej
Åldersgräns
18 år
Uppläggningsavgift
685 kr
Fakturaavgift
60 kr
Ferratum Ferratum Bank p.l.c
Lånebelopp, lägsta
1 000 kr
Lånebelopp, högsta
45 000 kr
Ränta
39,60 %
Upplysning via
Creditsafe
Betalningsanmärkning
Accepteras
Åldersgräns
21 år
Uppläggningsavgift
0 kr
Fakturaavgift
19 kr
Loanstep SBL Finans AB
Lånebelopp, lägsta
3 000 kr
Lånebelopp, högsta
25 000 kr
Ränta
21,00 - 38,40 %
Upplysning via
Bisnode
Betalningsanmärkning
Accepteras
Åldersgräns
18 år
Uppläggningsavgift
450 kr
Fakturaavgift
60 kr

Getting a loan in sweden

There are mainly two different types of loans in Sweden, private loans and fast loans. Private loans offer the biggest loans, up to 600 000 kr, while fast loans offer up to 70 000 kr. Beside the amount you can loan, the are two big differences between these loans. Private loans usually have much higher requirements to get approved, but the rent is lower. Fast loans have rents that stretch up to around 40% yearly interest. It’s also common that lenders who offer fast loans, also charge the lender different fees. 

To apply for a loan in Sweden, you do so by filling out the application form on the lenders website. It is only big banks that still offer applications at their offices, some of these banks are: SEB, Nordea, Swedbank, Danske Bank and Handelsbanken.

Requirements to get approved for a loan in Sweden

Each lender has their own requirements that you need to meet to be able to get approved for a loan. When a lender have tougher requirements than what is needed, it is usually the age limit and minimum income that is increased.

Minimum requirements to get a loan:

  • You must be at least 18 years of age
  • You can’t be in debt to Kronofogden
  • You must be registered that you live in Sweden

Banks with the best interest rates

  • Zmarta | Interest rate: 2,95 - 27,00% | Age limit: 18 years old
  • Lendo | Interest rate: 2,95 - 29,95% | Age limit: 18 years old
  • Advisa| Interest rate: 3,06 - 29,99% | Age limit: 18 years old
  • Axo Finans | Interest rate: 2,95 - 26,00% | Age limit: 18 years old
  • Likvidum | Interest rate: 2,95 - 26,05% | Age limit: 18 years old
  • Leta Lån | Interest rate:2,95 - 29,95% | Age limit: 18 years old

Different types of loans

Most loans that are given out, are loans without security. Loans without security means that you won't risk losing your car or house, if you can’t repay the loan. However, if you for example take a loan with security, you are more likely to get the loan and get a lower interest rate.

Car loan

There are two types of car loans in sweden. The first type is a car loan without security. A car loan without security allows you to take a loan that is equivalent to the whole cost of the car. The second type is a car loan with security. A car loan with security allows you to loan between 80-90% of the total cost. The rest 10%, you will need to pay directly from your own pocket.

Renovation loan

To finance a renovation through a loan, there’s two options. The first option which is also the cheapest, is by extending the mortgage. By extending the mortgage, you will get the lowest possible rate. This financing method is only possible if your mortgage is lower than 85% of the total cost of the real estate.

Personal loan

Personal loan is the most common loan for consumption. Since the loan isn’t attached to a specific purchase you can use the loan for anything. Some typical uses of this loan is to:

  • Pay for a invoice whoms due date is soon
  • Pay the mechanic to fix the car
  • Upfront payment for travel ticket

Fast loan

Some typical features of a fast loan is the following:

  • Small amount
  • Low requirements
  • Quick payouts
  • Short repayment period
  • Interest up to 40%
  • Accepts payment remarks

Loan from Sweden, while abroad

Regardless if you are abroad because you are backpacking, visiting relatives or on vacation, you are able to apply for a loan. While abroad, you still have to meet the set requirements and one of them is that you must be a registered resident in Sweden.

The application process is the same, regardless which country you are currently in. To apply for a loan, you first have to choose which lender you want. Then you go to their website and fill the application and verify the application with BankID.

The most popular loans in Sweden:

  1. Lendo | Loan up to: 600 000 kr | Use uc: Yes
  2. Northmill | Loan up to: 50 000 kr | Use uc: No
  3. Klick Lån | Loan up to: 40 000 kr | Use uc: Yes
  4. Axo Finans | Loan up to: 600 000 kr | Use uc: Yes
  5. Lumify | Loan up to: 70 000 kr | Use uc: No
  6. Brixo | Loan up to 30 000 kr | Use uc: No
  7. Ferratum | Loan up to 450 000 kr | Use uc: No
  8. Klara Lån | Loan up to 150 000 kr | Use uc: No

Frequently asked questions

Fast loans has the quickest payouts and can hand out the payment within 15 minutes. Private loans can take up to three work days before the loan gets paid out.

Most schools in Sweden make sure that their students are eligible for CSN. CSN is a student loan that is very favorable loan with the reason being that the interest is less than 1%.

If you are not eligible for a loan from CSN, the second most favorable loan as a student, is a private loan.

By reading the lenders review on our site, you will find which banks the lenders hands the payout to.

Lumify, Loanstep and Rocker are lenders that offers loans without interest. Worth mentioning is that the interest-free period is only for 14 days, after this period you will have to pay interest.

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Martin Eriksson

Martin Eriksson


Martin är grundaren av Kreditly och har tidigare arbetat främst med webb- och apputveckling samt försäljning och marknadsföring. Under åren har han även byggt upp ett stort intresse för privatekonomi i allmänhet och lån i synnerhet.

Uppdaterad 6/29/2022