KreddoCompare loans in Sweden
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.

4.4 of 5 · 6,200 reviews
8.6/10
Effective rate 10.03 % nom. 9.60 %
Per month SEK 3,158 for 5 yr
Total cost SEK 39,457 on top of the loan
Payout 24 h UC credit check
Go to Lånekoll Advert. We are paid if you apply.
Loan broker · 25 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 9.60 % gives an effective rate of 10.03 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 189,457 across 60 payments of SEK 3,158. The rate is set individually — Lånekoll states 4.95 %–21.95 % nominal.

4.2 of 5 · 4,100 reviews
8.5/10
Effective rate 10.25 % nom. 9.80 %
Per month SEK 3,172 for 5 yr
Total cost SEK 40,339 on top of the loan
Payout 24 h UC credit check
Go to Trygga Advert. We are paid if you apply.
Loan broker · 33 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 9.80 % gives an effective rate of 10.25 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 190,339 across 60 payments of SEK 3,172. The rate is set individually — Trygga states 4.95 %–21.95 % nominal.

4.1 of 5 · 2,300 reviews
8.3/10
Effective rate 10.69 % nom. 10.20 %
Per month SEK 3,202 for 5 yr
Total cost SEK 42,110 on top of the loan
Payout 24 h UC credit check
Go to Reducero Advert. We are paid if you apply.
Loan broker · 22 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 10.20 % gives an effective rate of 10.69 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 192,110 across 60 payments of SEK 3,202. The rate is set individually — Reducero states 4.95 %–21.95 % nominal.

8.2/10
Effective rate 9.16 % nom. 8.80 %
Per month SEK 3,099 for 5 yr
Total cost SEK 35,953 on top of the loan
Payout 72 h UC credit check
Go to Collector Advert. We are paid if you apply.
Bank No fees at all
SEK 20,000–SEK 500,000 2 yr–18 yr Income from SEK 200,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 8.80 % gives an effective rate of 9.16 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 185,953 across 60 payments of SEK 3,099. The rate is set individually — Collector states 7.00 %–17.90 % nominal.

4.0 of 5 · 6,800 reviews
8.2/10
Effective rate 14.68 % nom. 13.40 %
Per month SEK 3,473 for 5 yr
Total cost SEK 58,365 on top of the loan
Payout 24 h UC credit check
Go to Svea Bank Advert. We are paid if you apply.
With betalningsanmärkning Bank Accepts betalningsanmärkning Considers you with Kronofogden debt
SEK 20,000–SEK 600,000 1 yr–15 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 13.40 % gives an effective rate of 14.68 %. Arrangement fee SEK 0, invoice fee SEK 29/mo. Total repayable SEK 208,365 across 60 payments of SEK 3,473. The rate is set individually — Svea Bank states 6.95 %–21.95 % nominal.

3.9 of 5 · 9,700 reviews
8.0/10
Effective rate 11.92 % nom. 11.20 %
Per month SEK 3,276 for 5 yr
Total cost SEK 46,980 on top of the loan
Payout 48 h UC credit check
Go to Bank Norwegian Advert. We are paid if you apply.
Bank
SEK 10,000–SEK 600,000 1 yr–15 yr 23–75 yrs No stated income requirement

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 11.20 % gives an effective rate of 11.92 %. Arrangement fee SEK 399, invoice fee SEK 0/mo. Total repayable SEK 196,980 across 60 payments of SEK 3,276. The rate is set individually — Bank Norwegian states 5.99 %–18.99 % nominal.

4.3 of 5 · 3,600 reviews
7.8/10
Effective rate 10.41 % nom. 9.60 %
Per month SEK 3,183 for 5 yr
Total cost SEK 40,957 on top of the loan
Payout 48 h UC credit check
Go to MedMera Bank (Coop) Advert. We are paid if you apply.
Bank
SEK 10,000–SEK 350,000 1 yr–15 yr 18–99 yrs Income from SEK 150,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 9.60 % gives an effective rate of 10.41 %. Arrangement fee SEK 0, invoice fee SEK 25/mo. Total repayable SEK 190,957 across 60 payments of SEK 3,183. The rate is set individually — MedMera Bank (Coop) states 5.20 %–16.95 % nominal.

3.5 of 5 · 2,100 reviews
7.7/10
Effective rate 15.58 % nom. 14.20 %
Per month SEK 3,535 for 5 yr
Total cost SEK 62,089 on top of the loan
Payout 24 h UC credit check
Go to Avida Advert. We are paid if you apply.
Bank Accepts betalningsanmärkning
SEK 20,000–SEK 600,000 2 yr–15 yr 20–79 yrs Income from SEK 150,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 14.20 % gives an effective rate of 15.58 %. Arrangement fee SEK 0, invoice fee SEK 29/mo. Total repayable SEK 212,089 across 60 payments of SEK 3,535. The rate is set individually — Avida states 7.45 %–21.95 % nominal.

3.6 of 5 · 4,200 reviews
7.7/10
Effective rate 13.35 % nom. 12.10 %
Per month SEK 3,373 for 5 yr
Total cost SEK 52,790 on top of the loan
Payout 48 h UC credit check
Go to Marginalen Bank Advert. We are paid if you apply.
Bank Accepts betalningsanmärkning
SEK 20,000–SEK 500,000 1 yr–15 yr 18–79 yrs Income from SEK 150,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 12.10 % gives an effective rate of 13.35 %. Arrangement fee SEK 395, invoice fee SEK 29/mo. Total repayable SEK 202,790 across 60 payments of SEK 3,373. The rate is set individually — Marginalen Bank states 6.45 %–19.95 % nominal.

4.0 of 5 · 4,600 reviews
6.3/10
Effective rate 22.42 % nom. 19.95 %
Per month SEK 3,995 for 5 yr
Total cost SEK 90,170 on top of the loan
Payout 24 h Dun & Bradstreet credit check
Go to Brixo Privatlån Advert. We are paid if you apply.
High-cost credit Accepts betalningsanmärkning High-cost credit
SEK 10,000–SEK 200,000 3 yr–7 yr 6 mo Income from SEK 200,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 19.95 % gives an effective rate of 22.42 %. Arrangement fee SEK 475, invoice fee SEK 25/mo. Total repayable SEK 240,170 across 60 payments of SEK 3,995. The rate is set individually — Brixo Privatlån states 19.95 %–19.95 % nominal.

3.4 of 5 · 1,400 reviews
6.3/10
Effective rate 22.76 % nom. 20.50 %
Per month SEK 4,016 for 5 yr
Total cost SEK 91,544 on top of the loan
Payout 48 h UC credit check
Go to Plus 1 Advert. We are paid if you apply.
Bank Accepts betalningsanmärkning
SEK 30,000–SEK 490,000 5 yr–12 yr 20–75 yrs Income from SEK 264,000/yr

Representative example: annuity loan of SEK 150,000 over 5 yr at a nominal rate of 20.50 % gives an effective rate of 22.76 %. Arrangement fee SEK 588, invoice fee SEK 0/mo. Total repayable SEK 241,544 across 60 payments of SEK 4,016. The rate is set individually — Plus 1 states 16.50 %–22.00 % nominal.

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.

See also

Updated 2 September 2026