Representative example: An annuity loan of SEK 150,000 over 5 years at 8.90 % nominal, with
an arrangement fee of SEK 0 and an invoice fee of SEK 0, gives an effective rate of 9.27 %.
Total repayable SEK 186,389 across 60 monthly payments of SEK 3,106. Calculated 2 September 2026. The rate is
variable and set individually after a credit assessment.
Borrowing money costs money — borrowing money costs money. If you cannot pay on time you
risk a betalningsanmärkning and enforcement through Kronofogden. Never borrow for spending you
can postpone. If you need help, your municipality offers free budget and debt advice.
Advertising disclosure and independence: Kreddo is not a lender and not a credit
broker, but an information and comparison service. We do not pass on applications and do not
collect personal data for credit assessment. We receive payment from some lenders
when a visitor signs an agreement through our links, which are marked with
rel="sponsored". That payment does not affect the ranking.
Disclaimer: Rates, fees and terms change continuously. We check the figures regularly but
cannot guarantee they are correct at every moment —
always check against the lender's own terms and SEKKI sheet before you sign.
The content is general information, not individual financial advice.
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Last updated 2 September 2026