Best by our modelBankAccepts betalningsanmärkningNo fees at all
SEK 1,000–SEK 50,0005 mo–6 yr20–79 yrsIncome from SEK 100,000/yr
Pros
No fees at all
Lowers your rate automatically as you keep up payments
Paid out within a couple of hours
Cons
Low maximum — SEK 50,000
A short term raises the monthly cost
Terms in detail
Nominal rate
7.90 % – 21.90 %
Effective rate (range)
15.07 % – 31.73 %
Arrangement fee
SEK 0
Invoice fee
SEK 0
Credit check
UC
Company reg. number
556709-4866
Licensed by FI
Yes
On the market since
2006
Score (Kreddo)
7.5/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 14.90 % gives an effective rate of 15.96 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 21,651 across 12 payments of SEK 1,804. The rate is set individually — Northmill Bank states 7.90 %–21.90 % nominal.
High-cost creditAccepts betalningsanmärkningNo fees at allPaid out within the hourHigh-cost creditRevolving credit
SEK 5,000–SEK 50,0001 mo–10 yr21–70 yrsIncome from SEK 200,000/yr
Pros
Completely fee-free revolving credit — you pay interest only on what you draw
Money in your account in about 15 minutes, around the clock
The lowest effective rate in the high-cost segment
Cons
Classed as a högkostnadskredit (high-cost credit)
Requires SEK 200,000/year in income
Terms in detail
Nominal rate
21.95 % – 21.95 %
Effective rate (range)
24.30 % – 24.30 %
Arrangement fee
SEK 0
Invoice fee
SEK 0
Credit check
Dun & Bradstreet
Company reg. number
559084-0554
Licensed by FI
Yes
On the market since
2017
Score (Kreddo)
6.4/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 21.95 % gives an effective rate of 24.30 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 22,457 across 12 payments of SEK 1,871. The rate is set individually — Brixo Kontokredit states 21.95 %–21.95 % nominal.
SEK 10,000–SEK 50,0001 yr–10 yr20–65 yrsIncome from SEK 150,000/yr
Pros
Low effective rate for the segment
No fees
Cons
Narrow age limits, 20–65
Terms in detail
Nominal rate
20.71 % – 20.71 %
Effective rate (range)
22.79 % – 22.79 %
Arrangement fee
SEK 0
Invoice fee
SEK 0
Credit check
UC
Company reg. number
556965-4145
Licensed by FI
Yes
On the market since
2014
Score (Kreddo)
6.2/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 20.71 % gives an effective rate of 22.79 %. Arrangement fee SEK 0, invoice fee SEK 0/mo. Total repayable SEK 22,314 across 12 payments of SEK 1,859. The rate is set individually — Extralånet states 20.71 %–20.71 % nominal.
High-cost creditPaid out within the hourHigh-cost creditRevolving credit
SEK 3,000–SEK 40,0001 mo–10 yr18–70 yrsIncome from SEK 90,000/yr
Pros
Flexible revolving credit — reuse it without reapplying
Cons
Invoice fee SEK 49/month even on a small balance
Terms in detail
Nominal rate
21.95 % – 21.95 %
Effective rate (range)
50.91 % – 50.91 %
Arrangement fee
SEK 0
Invoice fee
SEK 49/mo
Credit check
UC
Company reg. number
556775-9861
Licensed by FI
Yes
On the market since
2010
Score (Kreddo)
5.4/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 21.95 % gives an effective rate of 30.61 %. Arrangement fee SEK 0, invoice fee SEK 49/mo. Total repayable SEK 23,045 across 12 payments of SEK 1,920. The rate is set individually — Flexkontot states 21.95 %–21.95 % nominal.
SEK 5,000–SEK 150,0001 yr–7 yr20–75 yrsIncome from SEK 300,000/yr
Pros
Under the rate cap at 20% nominal
High amounts possible
Cons
Requires SEK 25,000/month in income
Terms in detail
Nominal rate
20.00 % – 20.00 %
Effective rate (range)
37.24 % – 37.24 %
Arrangement fee
SEK 300
Invoice fee
SEK 39/mo
Credit check
Creditsafe
Company reg. number
556930-0293
Licensed by FI
Yes
On the market since
2012
Score (Kreddo)
4.8/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 20.00 % gives an effective rate of 30.54 %. Arrangement fee SEK 300, invoice fee SEK 39/mo. Total repayable SEK 23,000 across 12 payments of SEK 1,892. The rate is set individually — Creditstar states 20.00 %–20.00 % nominal.
High-cost creditPaid out within the hourHigh-cost creditRevolving credit
SEK 1,000–SEK 30,0001 mo–5 yr18–75 yrsIncome from SEK 60,000/yr
Pros
Very fast payout
Low income requirements
Cons
Extremely high effective rate on small amounts — avoid
The monthly fee dominates the total cost
Terms in detail
Nominal rate
22.00 % – 22.00 %
Effective rate (range)
160.49 % – 160.49 %
Arrangement fee
SEK 0
Invoice fee
SEK 95/mo
Credit check
Creditsafe
Company reg. number
556934-8078
Licensed by FI
Yes
On the market since
2013
Score (Kreddo)
4.6/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 22.00 % gives an effective rate of 36.79 %. Arrangement fee SEK 0, invoice fee SEK 95/mo. Total repayable SEK 23,603 across 12 payments of SEK 1,967. The rate is set individually — ViaConto states 22.00 %–22.00 % nominal.
SEK 5,000–SEK 40,0005 mo–2 yr 6 mo18–79 yrsIncome from SEK 100,000/yr
Pros
Fast process
Low income requirements
Cons
Fees double the effective rate
Short maximum term
Terms in detail
Nominal rate
22.00 % – 22.00 %
Effective rate (range)
45.33 % – 45.33 %
Arrangement fee
SEK 495
Invoice fee
SEK 45/mo
Credit check
Creditsafe
Company reg. number
559078-2749
Licensed by FI
Yes
On the market since
2018
Score (Kreddo)
4.4/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 22.00 % gives an effective rate of 36.43 %. Arrangement fee SEK 495, invoice fee SEK 45/mo. Total repayable SEK 23,498 across 12 payments of SEK 1,917. The rate is set individually — Saldo Bank states 22.00 %–22.00 % nominal.
High-cost creditPaid out within the hourHigh-cost credit
SEK 1,000–SEK 20,0001 mo–3 yr20–75 yrsIncome from SEK 90,000/yr
Pros
Very small amounts possible
Paid out within the hour
Cons
High effective rate
Short terms only
Terms in detail
Nominal rate
22.00 % – 22.00 %
Effective rate (range)
50.01 % – 50.01 %
Arrangement fee
SEK 495
Invoice fee
SEK 49/mo
Credit check
Creditsafe
Company reg. number
556934-8060
Licensed by FI
Yes
On the market since
2013
Score (Kreddo)
4.4/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 22.00 % gives an effective rate of 36.98 %. Arrangement fee SEK 495, invoice fee SEK 49/mo. Total repayable SEK 23,546 across 12 payments of SEK 1,921. The rate is set individually — Daypay states 22.00 %–22.00 % nominal.
SEK 1,000–SEK 50,0004 mo–3 yr 10 mo21–70 yrsIncome from SEK 100,000/yr
Pros
Established operator since 2005
Same-day payout
Cons
Arrangement fee SEK 565 plus SEK 59/month
Effective rate above 56%
Terms in detail
Nominal rate
21.99 % – 21.99 %
Effective rate (range)
56.82 % – 56.82 %
Arrangement fee
SEK 565
Invoice fee
SEK 59/mo
Credit check
UC
Company reg. number
516406-0724
Licensed by FI
Yes
On the market since
2005
Score (Kreddo)
4.3/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 21.99 % gives an effective rate of 39.29 %. Arrangement fee SEK 565, invoice fee SEK 59/mo. Total repayable SEK 23,734 across 12 payments of SEK 1,931. The rate is set individually — Ferratum states 21.99 %–21.99 % nominal.
SEK 2,000–SEK 200,0001 mo–5 yr18–79 yrsIncome from SEK 80,000/yr
Pros
No upper age limit in practice
Flexible revolving credit
Cons
High effective rate
New and unproven operator
Terms in detail
Nominal rate
22.00 % – 22.00 %
Effective rate (range)
56.97 % – 56.97 %
Arrangement fee
SEK 588
Invoice fee
SEK 57/mo
Credit check
Creditsafe
Company reg. number
559333-1908
Licensed by FI
Yes
On the market since
2022
Score (Kreddo)
4.3/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 22.00 % gives an effective rate of 39.34 %. Arrangement fee SEK 588, invoice fee SEK 57/mo. Total repayable SEK 23,735 across 12 payments of SEK 1,929. The rate is set individually — Binly states 22.00 %–22.00 % nominal.
SEK 2,000–SEK 200,0003 mo–1 yr18–75 yrsIncome from SEK 80,000/yr
Pros
30 days interest-free for new customers from SEK 20,000
Pays out at weekends and on public holidays too
Cons
Very short maximum term — 12 months
High effective rate
Terms in detail
Nominal rate
22.00 % – 22.00 %
Effective rate (range)
56.97 % – 56.97 %
Arrangement fee
SEK 588
Invoice fee
SEK 57/mo
Credit check
Creditsafe
Company reg. number
559211-1327
Licensed by FI
Yes
On the market since
2019
Score (Kreddo)
4.3/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 22.00 % gives an effective rate of 39.34 %. Arrangement fee SEK 588, invoice fee SEK 57/mo. Total repayable SEK 23,735 across 12 payments of SEK 1,929. The rate is set individually — Credifi states 22.00 %–22.00 % nominal.
SEK 2,000–SEK 200,0001 mo–1 yr18–70 yrsIncome from SEK 80,000/yr
Pros
30 days interest-free for new customers from SEK 16,000
Cons
Term of 30–365 days only
High fixed fees
Terms in detail
Nominal rate
22.00 % – 22.00 %
Effective rate (range)
56.97 % – 56.97 %
Arrangement fee
SEK 588
Invoice fee
SEK 57/mo
Credit check
Creditsafe
Company reg. number
559312-8874
Licensed by FI
Yes
On the market since
2021
Score (Kreddo)
4.2/10
Representative example: annuity loan of SEK 20,000 over 1 yr at a nominal rate of 22.00 % gives an effective rate of 39.34 %. Arrangement fee SEK 588, invoice fee SEK 57/mo. Total repayable SEK 23,735 across 12 payments of SEK 1,929. The rate is set individually — Lumify states 22.00 %–22.00 % nominal.