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Updated Feb 20, 2026
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Max Amount
800 000 kr.
Interest from
4.95%
Min. Age
20 years
Payout
1-2 days
Annuity loan 12 years, amount 400,000 SEK, variable interest rate 7.99%, setup cost 400 SEK, invoicing fee 20 SEK, results in an effective interest rate of 8.41%. Total amount to repay 626,457 SEK, divided into 144 repayments, results in a monthly cost of 4,348 SEK. Repayment period 1-20 years. Maximum interest rate is 23.00%. Interest range between: 4.95% - 23.00%. Updated 2025-03-01.
Recommended
Max Amount
800 000 kr.
Interest from
4.95%
Min. Age
18 years
Payout
1-2 days
Example: 12-year annuity loan. Effective annual interest rate: 9.63%. A loan of SEK 200,000 would then cost SEK 2,302/month (144 installments), for a total of SEK 331,495. No origination or processing fees. 9.23% nominal interest rate (variable rate, set individually based on your circumstances). Your application will be sent to the lenders that best match your profile, updated January 9, 2025.
No UC Check
Max Amount
150 000 kr.
Interest from
20%
Min. Age
21 years
Payout
1-2 days
A loan of 30,000 SEK with a 20% fixed nominal interest rate, a 300 SEK setup fee (paid with the first monthly payment) and a monthly fee of 30 SEK, with a repayment period of 60 months, results in an effective interest rate of 25.06%. The total amount to repay is 49,788.84 SEK, divided into 60 monthly payments: the first of 1,124.82 SEK and then 59 installments of 824.82 SEK each.
Max Amount
600 000 kr.
Interest from
4.92%
Min. Age
18 years
Payout
1-2 days
Calculation example: 12-year annuity loan, amount SEK 400,000, variable interest rate 7.99%, origination fee SEK 400, statement fee SEK 20, resulting in an effective interest rate of 8.41%. Total amount to be repaid: SEK 626,457, spread over 144 payments, resulting in a monthly cost of SEK 4,348. Repayment period: 1–20 years. Maximum interest rate: 22.00%. Interest rate range: 4.50%–22.00%. Updated August 15, 2025.
Max Amount
40 000 kr.
Interest from
23%
Min. Age
18 years
Payout
1-2 days
For a credit amount of 5,000 SEK with a fixed nominal interest rate of 39.5% for 12 months, the total amount to be repaid is 6,672.89 SEK (556.07 SEK per month), which corresponds to an effective annual interest rate of: 74.4%.
Max Amount
800 000 kr.
Interest from
4.95%
Min. Age
18 years
Payout
1-2 days
Example: The interest rate is variable and set on an individual basis. For an annuity loan of SEK 100,000, a 12-year repayment period, a nominal interest rate of 8.3%, an initial fee of SEK 495, and a statement fee of SEK 0, the effective interest rate is 8.73%. Total cost: SEK 158,252 or SEK 1,099/month spread over 144 payments. Individual interest rate 4.95%–22.95% (effective interest rate 5.07%–26.5%). Repayment period 1–20 years. Your application will be sent to lenders that match your profile. (March 1, 2025)
Max Amount
50 000 kr.
Interest from
16.95%
Min. Age
18 years
Payout
1-2 days
A loan of 25,588 Swedish kronor taken out on May 6, 2025, at a variable interest rate of 19.95 percent with a repayment term of 72 months results in 72 monthly payments of approximately 665 kronor, a 588-krona origination fee, and a 49-krona monthly administration fee. This results in an effective interest rate of 26.96 percent, and the total amount to be repaid is 48,440.33 kronor.
Max Amount
490 000 kr.
Interest from
14.75%
Min. Age
18 years
Payout
1-2 days
The interest rate is variable and set on an individual basis. For an annuity loan of 160,000 SEK where the interest rate starts at 22.50% and is reduced by 0.5 percentage points every three months, with a repayment period of 8 years consisting of 96 installments averaging SEK 3,063 and a setup fee of SEK 588, the effective interest rate totals 19.86%. The total amount to be repaid is 294,600 SEK.
Max Amount
600 000 kr.
Interest from
5.75%
Min. Age
20 years
Payout
1-2 days
For a loan amount of 100,000 SEK with a variable annual interest rate of 7.98%, an 8-year term (repayment period), an origination fee of SEK 0, and a statement fee of SEK 10 (for direct debit payments), the effective interest rate is 8.49%. The standard monthly payment is SEK 1,423, and the total amount payable is SEK 137,250. This example was calculated on March 23, 2023, assuming that interest rates and fees remain unchanged throughout the entire credit period. Amounts are rounded up to the nearest whole krona. The interest rate is variable and may range from 5.45% to 19.32%, which means that the effective interest rate may range from 5.63% to 22.07%. The effective interest rate is calculated in accordance with the Swedish Consumer Agency’s guidelines.
Max Amount
200 000 kr.
Interest from
22%
Min. Age
18 years
Payout
1-2 days
A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Max Amount
500 000 kr.
Interest from
5.2%
Min. Age
20 years
Payout
1-2 days
At a variable interest rate of 7.35%, the effective annual interest rate is 7.60% for an annuity loan of 155,000 SEK with a 10-year repayment period, including a total of 120 payments, a setup fee of SEK 0, and a statement fee of SEK 0 with automatic debit. Assuming the interest rate and statement fee remain unchanged, the total amount to be repaid is SEK 219,693 and the monthly cost is SEK 1,838.
Max Amount
200 000 kr.
Interest from
22%
Min. Age
18 years
Payout
1-2 days
A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Max Amount
40 000 kr.
Interest from
9.84%
Min. Age
20 years
Payout
1-2 days
Representative example: A loan of 45,000 SEK at a fixed interest rate of 24.24% with a repayment term of 84 months, consisting of 84 monthly payments of 1,135 SEK and a 695 SEK origination fee (which is added to the loan) and a 19 SEK administration fee results in a total effective interest rate of 28.73%. The total amount to be repaid is 96,894 SEK.
Max Amount
30 000 kr.
Interest from
21.95%
Min. Age
21 years
Payout
1-2 days
All other product features remain unchanged, as do our requirements for customers. New representative example: The loan has a 21.95% nominal variable annual interest rate, a 575 SEK origination fee, and a 39 SEK monthly administration fee. An example loan of SEK 20,000, repaid at SEK 1,964 per month over 12 months, has an effective annual interest rate of 36.4%. This results in a total cost of the loan of SEK 3,568.
Max Amount
30 000 kr.
Interest from
22%
Min. Age
18 years
Payout
1-2 days
Credit utilized: 20,000 SEK, to be repaid over 12 months at 2,021 SEK/month. Setup fee: 420 SEK, monthly fee: 100 SEK/month. Total amount payable: SEK 24,253. Effective interest rate: 41.82%. Nominal variable interest rate: 20% + reference rate (currently 22% in total). The card can only be used for purchases.
Max Amount
70 000 kr.
Interest from
20%
Min. Age
20 years
Payout
1-2 days
With a monthly payment of 2,881 SEK for 12 months, the effective interest rate is 30.6% and the total amount to be repaid is 34,566 SEK.
Max Amount
20 000 kr.
Interest from
22%
Min. Age
20 years
Payout
1-2 days
Borrow 15,000 SEK for 24 months. Total amount to be repaid: 18,847 SEK, or 785 SEK per month. Fixed annual interest rate: 22%. Effective annual interest rate: 28%. Setup fee: 350 SEK. Total statement fees: 59 SEK.
Max Amount
200 000 kr.
Interest from
23%
Min. Age
18 years
Payout
1-2 days
A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Max Amount
800 000 kr.
Interest from
4.95%
Min. Age
20 years
Payout
1-2 days
12-year annuity loan, amount SEK 400,000, variable interest rate 7.99%, origination fee SEK 400, statement fee SEK 20, resulting in an effective interest rate of 8.41%. Total amount to be repaid: SEK 626,457, spread over 144 payments, resulting in a monthly cost of SEK 4,348. Repayment period: 1–20 years. Maximum interest rate: 23.00%. Interest rate range: 4.95%–23.00%. Updated March 1, 2025
Max Amount
200 000 kr.
Interest from
23%
Min. Age
18 years
Payout
1-2 days
A loan of 20,000 SEK at a 22% interest rate with a repayment period of fifteen months (with fifteen payments of 2,957 SEK, 1,880 SEK, 1,854 SEK, 1,829 SEK, SEK 1,803, SEK 1,777, SEK 1,752, SEK 1,726, SEK 1,700, SEK 1,674, SEK 1,649, SEK 1,623, SEK 1,597, 1,572 SEK, and 1,546 SEK) plus a 588 SEK origination fee, a 2,435 SEK service fee for the installment plan, and 855 SEK in statement fees results in an effective interest rate of 66.01%. The total amount to be repaid is 26,939 SEK. The term of the credit and the associated costs may change if the credit limit is increased.
Max Amount
490 000 kr.
Interest from
22.5%
Min. Age
21 years
Payout
1-2 days
Calculation example: The interest rate is variable and set on an individual basis. For an annuity loan of 160,000 SEK at a variable interest rate of 22.50% with a repayment period of 11 years, with 132 installments of SEK 3,295 until the cost cap is reached and a setup fee of SEK 588, the effective interest rate totals 25.10%. The total amount to be repaid is SEK 320,000.
Max Amount
150 000 kr.
Interest from
7.9%
Min. Age
18 years
Payout
1-2 days
Calculation example: The interest rate is variable and set on an individual basis. A loan of 30,000 SEK at a nominal interest rate of 23 percent with a repayment period of 24 months, with 24 monthly payments of 1,610 SEK, a 350 SEK origination fee, and a 39 SEK statement fee, results in an effective interest rate of 30.38 percent. The total amount to be repaid is 38,995 SEK, updated on February 27, 2025.
Max Amount
45 000 kr.
Interest from
43.99%
Min. Age
21 years
Payout
1-2 days
If a loan of 20,000 SEK is taken out and repaid in 12 monthly installments of [1. 2,383.33 SEK, 2. 2,323.61 SEK, 3. 2,263.89 SEK, 4. 2,204.17 SEK, 5. 2,144.44 SEK, 6. 2,084.72 SEK, 7. 2,025.00 SEK, 8. 1,965.28 SEK, 9. 1,905.56 SEK, 10. 1,845.83 SEK, 11. 1,786.11 SEK, 12. 1,726.39 SEK], the effective interest rate is 52.57% and the variable nominal annual interest rate is 42.999993%. The loan has no additional costs, and the total amount to be repaid is 24,658.33 SEK. The term of the credit agreement is indefinite. This example is based on the assumption that the loan is repaid in 12 equal principal installments. The example is based on the assumption that the loan amount is drawn down in a single installment and repaid on time. Borrow responsibly by evaluating your repayment options!
Max Amount
200 000 kr.
Interest from
22.95%
Min. Age
18 years
Payout
1-2 days
5-year annuity loan, effective annual interest rate 26.5%. A loan of SEK 60,000 costs SEK 1,709/month (60 installments), for a total of SEK 42,821 including a SEK 199 origination fee and SEK 19 in statement fees. 22.95% nominal interest rate. Variable interest rate. Banky collaborates with Nordiska Kreditmarknadsaktiebolaget. Updated February 28, 2025.
Max Amount
600 000 kr.
Interest from
7.99%
Min. Age
20 years
Payout
1-2 days
Representative example: For a personal loan of 135,000 SEK repaid over 10 years at an interest rate of 10.49%, the effective interest rate is 11.36%, including a monthly fee of 19 SEK and an origination fee of 399 SEK. You pay SEK 1,845/month (SEK 1,826 is principal repayment, SEK 19 is the monthly fee, and there are 120 installments), i.e., a total amount of SEK 221,430. The interest rate is variable and may range from 5.99% to 18.99%. The effective interest rate may range from 6.21% to 27.80% (March 2026).
Max Amount
100 000 kr.
Interest from
19.95%
Min. Age
21 years
Payout
1-2 days
The loan has a nominal variable annual interest rate of 19.95%, a setup fee of 475 SEK, and a monthly administration fee of 25 SEK. An example loan of SEK 75,000, repaid at SEK 1,648 per month over 90 months, has an effective annual interest rate of 22.8%. This results in a total cost of the loan of SEK 73,320.
Max Amount
600 000 kr.
Interest from
2.95%
Min. Age
18 years
Payout
1-2 days
For an annuity loan of 150,000 SEK with a term of 12 years, a nominal interest rate of 6.4% and no setup or administration fees, the effective interest rate is 6.59%. Interest rates range from 2.95% to 29.27%.
Max Amount
800 000 kr.
Interest from
4.95%
Min. Age
18 years
Payout
1-2 days
For an annuity loan of 40,000 SEK with an 8-year term, a nominal interest rate of 5.95% and 0 SEK in fees, the effective interest rate is 6.16%. Total amount to repay: 50,370 SEK. Monthly cost: 525 SEK. Max interest 23.00%. Updated January 2026.
Max Amount
600 000 kr.
Interest from
6.63%
Min. Age
18 years
Payout
1-2 days
Annuity loan 8 years, 150,000 SEK, variable interest rate 7.97% (0 SEK setup/admin fee) gives an effective interest rate of 8.27%, total cost 182,358 SEK, cost 2,118 SEK/month (120 installments). Updated 2026-03-18.
Borrowing costs money!
If you cannot repay your debt in time, you are in the risk of receiving a record of non-payment. Having a record of non-payment means that you could experience difficulties to rent an accommodation, take out a subscription or being granted new credits. For support, please contact a Budget and Debt Advisor in your municipality. You can find contact details at konsumentverket.se.
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Loan calculators are straightforward tools that help you understand the specifics of a loan. You input the loan amount, term, and interest rate, and the calculator does the rest. It crunches the numbers to show you your monthly payment, total interest paid, and the overall cost of the loan.
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FAQ
Frequently Asked Questions
The amount you can borrow in Sweden varies based on your financial situation, the lender, and the type of loan. Lenders will consider your income, debts, and credit history to determine the amount.
A loan is calculated using the principal amount, interest rate, and loan term. The calculation considers how much interest you’ll pay over time and what your monthly payments will be.
Yes, foreigners can get loans in Sweden, but you’ll need to meet specific requirements. These might include having a Swedish personal identity number, a stable income, and a good credit history within Sweden.