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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 calculation: Annuity loan 12 years. Effective annual interest rate 9.63%. A loan of SEK 200,000 then costs SEK 2,302/month (144 installments), i.e. a total of SEK 331,495. No start-up/termination fee. 9.23% nominal interest rate (variable interest rate, set individually based on your conditions). The application will be sent to the lenders that best match your profile, updated 2025-01-09.
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
200.000 kr.
Interest from
23%
Min. Age
18 years
Payout
1-2 days
A credit of SEK 20 000 at 22% interest with a repayment period of fifteen months (with fifteen repayments of SEK 2 957, SEK 1 880, SEK 1 854, SEK 1 829, SEK 1 803, SEK 1 777, SEK 1 752, SEK 1 726, SEK 1 700, 1 674, 1 649, 1 623, 1 597, 1 572 and 1 546) and SEK 588 in arrangement fee, SEK 2 435 in service fee for installment plan and SEK 855 in fees for newspaper gives a total effective interest rate of 66.01%. The total amount to be repaid is SEK 26 939. The duration of the credit and associated costs may change if the credit is extended.
Max Amount
100.000 kr.
Interest from
19.95%
Min. Age
18 years
Payout
1-2 days
The credit has a nominal variable annual interest rate of 19.95%, an arrangement fee of SEK 475 and a monthly administration fee of SEK 25. An example credit of SEK 75,000 repaid at SEK 1,648 per month over 90 months has an effective annual interest rate of 22.8%. This means that the total cost of the credit is SEK 73 320.
Max Amount
600.000 kr.
Interest from
7.99%
Min. Age
20 years
Payout
1-2 days
Representative example: For a personal loan of SEK 130,000 repaid over 10 years at an interest rate of 11.49% (incl. monthly fee of SEK 19 and arrangement fee of SEK 399), the effective interest rate is 12.48%. You pay SEK 1,852/month (SEK 1,833 is the amortization, SEK 19 is the monthly fee and the number of installments is 120), i.e. a total amount of SEK 222,193. The interest rate is variable and can range from 5.99% to 18.99%. The effective interest rate can vary from 6.21% to 27.80% (January 2026).
Max Amount
150.000 kr.
Interest from
22.95%
Min. Age
18 years
Payout
1-2 days
Annuity loan 5 years, effective annual interest rate 26.5%. A loan of SEK 60,000 costs SEK 1,709/month (60 installments), a total of SEK 42,821 incl. SEK 199 in set-up fee and SEK 19 in fees. 22.95% nominal interest. Variable interest rate. Banky cooperates with Nordiska Kreditmarknadsaktiebolaget. Updated 2025-02-28.
Max Amount
45.000 kr.
Interest from
43.99%
Min. Age
21 years
Payout
1-2 days
If a loan of SEK 20,000 is taken out and repaid in 12 monthly installments of [1. 2383.33 SEK, 2. 2323.61 SEK, 3. 2263.89 SEK, 4. 2204.17 SEK, 5. 2144.44 SEK, 6. 2084.72 SEK, 7. 2025.00 SEK, 8. 1965.28 SEK, 9. 1905.56 SEK, 10. 1845.83 SEK, 11. 1786.11 SEK, 12. 1726.39 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 SEK 24 658,33. The duration 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 at one time and repaid on time. Borrow responsibly by evaluating repayment options!
Max Amount
150.000 kr.
Interest from
7.9%
Min. Age
18 years
Payout
1-2 days
Example calculation: The interest rate is variable and set individually. A loan of SEK 30,000 at a nominal interest rate of 23% with a repayment period of 24 months, with 24 installments of SEK 1,610 and SEK 350 in arrangement fee and SEK 39 in transaction fee, gives an effective interest rate of 30.38%. The total amount to be repaid is SEK 38,995, updated on 2025-02-27.
Max Amount
490.000 kr.
Interest from
22.5%
Min. Age
21 years
Payout
1-2 days
Example calculation: The interest rate is variable and set individually. For an annuity loan of SEK 160,000 at 22.50% variable interest with a repayment period of 11 years, with 132 installments of SEK 3,295 until the cost ceiling is reached and SEK 588 in set-up fee gives an effective interest rate of 25.10% in total. The total to be repaid is SEK 320,000.
Max Amount
50.000 kr.
Interest from
23%
Min. Age
18 years
Payout
1-2 days
A credit of SEK 20 000 at 22% interest with a repayment period of fifteen months (with fifteen repayments of SEK 2 957, SEK 1 880, SEK 1 854, SEK 1 829, SEK 1 803, SEK 1 777, SEK 1 752, SEK 1 726, SEK 1 700, 1 674, 1 649, 1 623, 1 597, 1 572 and 1 546) and SEK 588 in arrangement fee, SEK 2 435 in service fee for installment plan and SEK 855 in fees for newspaper gives a total effective interest rate of 66.01%. The total amount to be repaid is SEK 26 939. The duration of the credit and associated costs may change if the credit is extended.
Max Amount
800.000 kr.
Interest from
4.95%
Min. Age
20 years
Payout
1-2 days
Annuity loan 12 years, amount SEK 400,000, variable interest rate 7.99%, arrangement fee SEK 400, arrangement fee SEK 20, gives an effective interest rate of 8.41%. Total amount to repay SEK 626,457, divided into 144 repayments, gives a monthly cost of SEK 4,348. Repayment period 1-20 years. Maximum interest rate is 23.00%. Interest rate range between: 4.95% - 23.00%. Updated 2025-03-01
Max Amount
800.000 kr.
Interest from
4.92%
Min. Age
18 years
Payout
1-2 days
Annuity loan 12 years, amount SEK 400,000, variable interest rate 7.99%, arrangement fee SEK 400, arrangement fee SEK 20, gives an effective interest rate of 8.41%. Total amount to repay SEK 626,457, divided into 144 repayments, gives a monthly cost of SEK 4,348. Repayment period 1-20 years. Maximum interest rate is 23.00%. Interest rate range between: 4.95% - 23.00%. Updated 2025-03-01
Max Amount
20.000 kr.
Interest from
22%
Min. Age
20 years
Payout
1-2 days
Borrow SEK 15 000 for 24 months. Total repayment of SEK 18,847, i.e. SEK 785 per month. Annual fixed interest rate 22%. Effective annual interest rate 28%, arrangement fee SEK 350. Avi fees total 59 kr.
Max Amount
30.000 kr.
Interest from
23%
Min. Age
18 years
Payout
1-2 days
If the credit of SEK 5 000 is used with a nominal fixed interest rate of 39.5% for 12 months, the total amount to be repaid is SEK 6 672.89 (SEK 556.07 per month) and corresponds to an effective annual interest rate of 74.4%.
Max Amount
30.000 kr.
Interest from
22%
Min. Age
18 years
Payout
1-2 days
Utilized credit SEK 20,000, repaid in 12 months with SEK 2,021/month. Set-up fee SEK 420, monthly fee SEK 100/month. Total of SEK 24 253 to pay. 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
30.000 kr.
Interest from
21.95%
Min. Age
21 years
Payout
1-2 days
Other product features remain unchanged, as do the requirements we impose on customers. New representative example: The credit has a nominal variable annual interest rate of 21.95%, an arrangement fee of SEK 575 and a monthly administration fee of SEK 39. An example credit of SEK 20,000 repaid at SEK 1,964 per month over 12 months has an effective annual interest rate of 36.4%. This means a total cost of the credit of SEK 3 568.
Max Amount
40.000 kr.
Interest from
9.84%
Min. Age
20 years
Payout
1-2 days
Representative example: A loan of SEK 45,000 at 24.24% fixed interest with a repayment period of 84 months, with 84 installments of SEK 1,135 and SEK 695 in arrangement fee (which is added to the loan) and SEK 19 in administration fee, gives an effective interest rate of 28.73% in total. The total to be repaid is SEK 96 894.
Max Amount
200.000 kr.
Interest from
22%
Min. Age
18 years
Payout
1-2 days
A credit of SEK 20 000 at 22% interest with a repayment period of fifteen months (with fifteen repayments of SEK 2 957, SEK 1 880, SEK 1 854, SEK 1 829, SEK 1 803, SEK 1 777, SEK 1 752, SEK 1 726, SEK 1 700, 1 674, 1 649, 1 623, 1 597, 1 572 and 1 546) and SEK 588 in arrangement fee, SEK 2 435 in service fee for installment plan and SEK 855 in fees for newspaper gives a total effective interest rate of 66.01%. The total amount to be repaid is SEK 26 939. The duration of the credit and associated costs may change if the credit is extended.
Max Amount
200.000 kr.
Interest from
22%
Min. Age
18 years
Payout
1-2 days
A credit of SEK 20 000 at 22% interest with a repayment period of fifteen months (with fifteen repayments of SEK 2 957, SEK 1 880, SEK 1 854, SEK 1 829, SEK 1 803, SEK 1 777, SEK 1 752, SEK 1 726, SEK 1 700, 1 674, 1 649, 1 623, 1 597, 1 572 and 1 546) and SEK 588 in arrangement fee, SEK 2 435 in service fee for installment plan and SEK 855 in fees for newspaper gives a total effective interest rate of 66.01%. The total amount to be repaid is SEK 26 939. The duration of the credit and associated costs may change if the credit is extended.
Max Amount
500.000 kr.
Interest from
5.47%
Min. Age
20 years
Payout
1-2 days
For a credit amount of SEK 100,000 with a variable annual interest rate of 7.98%, an 8-year term (repayment period), a set-up fee of SEK 0 and an agency fee of SEK 10 (for direct debit payments), the effective interest rate is 8.49%. The regular monthly amount to be paid is SEK 1,423 and the total amount to be paid is SEK 137,250 The example calculated on March 23, 2023, assumes that interest and fees remain unchanged throughout the credit period. Rounding is applied to the nearest higher krona. The interest rate is variable and can vary from 5.45% - 19.32%, which means that the effective interest rate can vary from 5.63% - 22.07%. The effective interest rate is calculated in accordance with the Swedish Consumer Agency's guidelines.
Max Amount
490.000 kr.
Interest from
14.75%
Min. Age
21 years
Payout
1-2 days
The interest rate is variable and set individually. For an annuity loan of SEK 160,000 where the interest rate starts at 22.50% and is reduced by 0.5 percentage points every three months and a repayment period of 8 years with 96 installments of an average of SEK 3,063 and SEK 588 in arrangement fee gives an effective interest rate of 19.86% in total. The total to be repaid is SEK 294,600.
Max Amount
50.000 kr.
Interest from
16.95%
Min. Age
18 years
Payout
1-2 days
A loan of SEK 25,588 taken out on 2025-05-06 at a variable interest rate of 19.95 percent with a repayment period of 72 months entails 72 installments of approximately SEK 665, SEK 588 in arrangement fees and SEK 49 in monthly administration fees. This gives an effective interest rate of 26.96 percent and the total amount to be repaid is SEK 48,440.33.
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 individually. For an annuity loan of SEK 100,000, 12-year repayment period, nominal interest rate of 8.3% and SEK 495 in start-up fee and SEK 0 in transaction fee, 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. The application is sent to the lenders that match your profile (2025-03-01)
Max Amount
70.000 kr.
Interest from
20%
Min. Age
20 years
Payout
1-2 days
With a monthly amount of SEK 2,881 for 12 months, the effective interest rate is 30.6% and the total to be repaid is SEK 34,566.
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 Amount: Enter the amount you wish to borrow. This could be any figure that aligns with your needs, whether it’s for a car, home, or personal expense.
Loan Terms: Specify the duration over which you plan to repay the loan. This could be in years or months, depending on your preference and the options available.
Loan Purpose: Select the reason for your loan. This could be for a mortgage, car loan, education, renovation, or any other purpose. This helps in providing you with more tailored information.
Once you’ve input these details, the calculator will instantly display your monthly payment. This figure is crucial for budgeting and ensures that you can plan your finances effectively, knowing exactly what you’ll need to repay each month.
How does a loan calculator work?
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.
These calculators are incredibly useful for planning your finances. They allow you to tweak the loan variables, so you can see how different loan terms or interest rates affect your monthly payment and total loan cost. This way, you can make choices that fit your financial situation best.
A loan calculator demystifies the loan process. It turns complex financial figures into understandable, actionable information, helping you make informed decisions about your loans in Sweden.
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.