KreddoCompare loans in Sweden
Compare loans in Sweden

Everything about borrowing. In one place.

Personal loans, consolidation, short-term credit, mortgages, car loans, credit cards and business loans. Only lenders licensed by Finansinspektionen. Always free.

kr
Free and without obligation No credit check is run on this page Every lender is licensed by FI
Policy rate1.75 %Riksbanken
Reference rate2.00 %1 Jul–31 Dec 2026
Rate cap22.00 %Ref. + 20 pp
Max arrangement feeSEK 5921% of prisbasbeloppet
Interest deduction, unsecured0 %Abolished 1 Jan 2026
  • 30licensed lenders
  • 7product categories
  • SEK 0cost to you
  • 9/2026last reviewed

We compare products from

AdvisaAdvisaAnyfinAnyfinBank NorwegianBank NorwegianBrixo KontokreditBrixo KontokreditBrixo PrivatlånBrixo PrivatlånCreditstarCreditstarEnklareEnklareExtralånetExtralånetFlexkontotFlexkontotLendoLendoLoanstepLoanstepLånekollLånekollMarginalen BankMarginalen BankMedMera Bank (Coop)MedMera Bank (Coop)Northmill BankNorthmill Bank
Plus 1Plus 1ReduceroReduceroSaldo BankSaldo BankSvea BankSvea BankTryggaTryggaViaContoViaContoZmartaZmartaAAvidaBBinlyCCollectorCCredifiDDaypayFFerratumLLumifySSambla

Kreddo is paid by some lenders; this does not affect the ranking. Names and logos belong to their respective companies and are used here to identify whose product is compared.

Short answer

Cheapest personal loan right now: Advisa and Enklare advertise 4.50% nominal, but the starting rate goes only to applicants with strong finances — the rate you actually get is set individually. So apply widely: a broker such as Sambla, Lendo or Advisa sends your application to up to 40 banks on a single credit check and lets them compete for you, instead of you approaching one bank at a time.

What you should actually compare is the effective rate and the total amount repaid. A loan of SEK 150,000 over five years costs between roughly SEK 20,000 and SEK 103,000 in interest depending on the lender — same loan, same amount.

Since 1 January 2026 there is also no interest deduction on unsecured loans, which widens the gap further.

Advertising disclosure: Kreddo is a comparison service funded by commission from lenders. Links marked “Go to…” are affiliate links. That payment does not affect the ranking — the order is set by our openly published calculation model. We also list lenders we have no agreement with.

What do you want to borrow for?

7 product categories, one and the same method

Every category is assessed on the same principle: real cost first, then terms and availability.

Looking for a particular lender?

Pick one and the comparison filters to it. Every figure is recalculated for your amount and your term.

Compare all 30 lenders
The comparison engine

Compare personal loans, consolidation and quick loans

Set the amount and term and we convert each lender’s typical approved rate into an effective rate, a monthly cost and a total cost of credit for that exact kalkylen. Terms checked 2 September 2026

Your criteria
Loan type
Requirements on the lender
16 of 18 lenders match SEK 150,000 over 5 yr
4.8 of 5 · 31,400 reviews
9.0/10
Effective rate 8.95 % nom. 8.60 %
Per month SEK 3,085 for 5 yr
Total cost SEK 35,083 on top of the loan
Payout 24 h UC credit check
Go to Sambla Advert. We are paid if you apply.
Best overall Best by our model Loan broker · 40 lenders Accepts betalningsanmärkning No fees at all
SEK 5,000–SEK 800,000 1 yr–20 yr 18–79 yrs Income from SEK 100,800/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 8.60 % gives an effective rate of 8.95 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 185,083 across 60 payments of SEK 3,085. The rate is set individually — Sambla states 4.95 %–21.99 % nominal.

4.7 of 5 · 22,800 reviews
9.0/10
Effective rate 9.27 % nom. 8.90 %
Per month SEK 3,106 for 5 yr
Total cost SEK 36,389 on top of the loan
Payout 24 h UC credit check
Go to Lendo Advert. We are paid if you apply.
Widest choice Loan broker · 40 lenders Accepts betalningsanmärkning No fees at all
SEK 10,000–SEK 800,000 1 yr–15 yr 18–75 yrs Income from SEK 110,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 8.90 % gives an effective rate of 9.27 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 186,389 across 60 payments of SEK 3,106. The rate is set individually — Lendo states 4.95 %–22.00 % nominal.

4.6 of 5 · 14,900 reviews
9.0/10
Effective rate 8.95 % nom. 8.60 %
Per month SEK 3,085 for 5 yr
Total cost SEK 35,083 on top of the loan
Payout 24 h UC credit check
Go to Advisa Advert. We are paid if you apply.
Loan broker · 40 lenders Accepts betalningsanmärkning No fees at all
SEK 5,000–SEK 800,000 1 yr–20 yr 18–79 yrs Income from SEK 100,800/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 8.60 % gives an effective rate of 8.95 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 185,083 across 60 payments of SEK 3,085. The rate is set individually — Advisa states 4.50 %–21.99 % nominal.

4.3 of 5 · 7,600 reviews
8.7/10
Effective rate 10.14 % nom. 9.70 %
Per month SEK 3,165 for 5 yr
Total cost SEK 39,898 on top of the loan
Payout 24 h UC credit check
Go to Zmarta Advert. We are paid if you apply.
Loan broker · 28 lenders Accepts betalningsanmärkning No fees at all
SEK 10,000–SEK 600,000 1 yr–15 yr 18–75 yrs Income from SEK 120,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 9.70 % gives an effective rate of 10.14 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 189,898 across 60 payments of SEK 3,165. The rate is set individually — Zmarta states 4.95 %–21.95 % nominal.

4.5 of 5 · 9,100 reviews
8.7/10
Effective rate 9.82 % nom. 9.40 %
Per month SEK 3,143 for 5 yr
Total cost SEK 38,577 on top of the loan
Payout 24 h UC credit check
Go to Enklare Advert. We are paid if you apply.
Loan broker · 39 lenders Accepts betalningsanmärkning No fees at all
SEK 5,000–SEK 800,000 1 yr–20 yr 18–79 yrs Income from SEK 120,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 9.40 % gives an effective rate of 9.82 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 188,577 across 60 payments of SEK 3,143. The rate is set individually — Enklare states 4.50 %–22.00 % nominal.

See all 30 lenders

Borrowing money costs money

The rate you are offered is set individually after a credit assessment and may differ from the figures above. Always check that you could still manage the monthly payment if rates rose or your income fell. If you are struggling to pay: contact the lender directly and get free help from your municipality’s budget and debt adviser via Hallå konsument.

How to do it

From comparison to money in your account

Four steps, about ten minutes of actual work, and a single credit check.

Set the amount and term

Borrow only what you need and pick the shortest term your budget allows. Every extra year costs interest, even though the monthly figure looks friendlier.

Apply through a broker

One application reaches up to 40 banks but produces only one credit check. Applying to each bank directly gives you one check per bank, which lowers your credit rating.

Compare the offers on effective rate

You normally get answers within minutes to a day. Look at the effective rate and the total repaid — not the monthly cost, which can be massaged with a longer term.

Sign with BankID

Read the SEKKI sheet, sign with BankID and receive the money the same or next banking day. You have 14 days to withdraw if you change your mind.

Method and independence

How we rank — and how we make money

We publish the whole model. If you cannot reproduce our ranking from the figures on this page, that is an error we want to hear about.

The scoring model

Each lender gets a score from 0–10 made up of four parts, recalculated every time you change a filter:

Cost — effective rate for your amount and term55 %
Trust — customer ratings, FI licence, years on the market18 %
Availability — income requirement, credit notes, age range15 %
Flexibility — amount and term ranges, fees, payout time12 %

Provisionens size is not part of the model and is not available to the editorial team when the score is set.

How the effective rate is calculated

We do not use the lender’s advertised figure. Instead we solve the effective rate numerically from the actual payment flows for your amount and your term:

K = Σ (annuity + invoice fee)t ÷ (1 + x)t/12
+ arrangement fee in period 1

We solve for x by bisection to twelve decimal places. This is the same definition used by the Swedish Consumer Credit Act and the EU Consumer Credit Directive, which makes the figures comparable across every lender — even when one hides the cost in an invoice fee.

Where the figures come from

The lenders’ own published price lists and SEKKI sheets, Finansinspektionen’s company register and Riksbanken’s statistics. Every figure is checked at least monthly and always when a change of terms becomes known.

What we do not do

We do not sell placements, do not charge for favourable reviews and do not list lenders without a licence from Finansinspektionen. Nor do we give individual financial advice.

Found an error?

A contact route for corrections will be published shortly. Corrections are shown with the date of correction on every figure that changes.