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Loan Calculator Sweden
Free, 100% digital loan calculator
Calculate and save money with lower interest rates
Instant answers from up to 39 Swedish lenders
We recommend applying to more than one loan provider to improve your chances. It’s 100% non-binding – and if you’re approved and accept the offer, you still have 14 day cancellation right.
Recommended
Amount
SEK 5.000 – 90.000
(≈ USD 500 – 9.300)
Term
12-72 months
Interest rate
20%
Verified Company
Borrow without credit check from UC
Payment on the same day
Example: A loan of SEK 30,000 at 20% nominal fixed interest, SEK 300 arrangement fee, SEK 30 monthly administration fee with a repayment period of 60 months gives an effective interest rate of a total of 25.03%. Arrangement fee is paid with the first monthly payment. This gives a total of SEK 49,957.85 to be repaid in 60 installments of SEK 832.64.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 5.000 – 800.000
(≈ USD 500 – 83.000)
Term
12-240 months
Interest rate
4,95 – 23%
Example: Annuity loan 12 years, amount 400,000 SEK, variable interest rate 7.99%, arrangement cost 400 SEK, avi fee 20 SEK, gives an effective interest rate of 8.41%. Total amount to be repaid 626,457 SEK, divided into 144 repayments, gives a monthly cost of 4,348 SEK. Repayment period 1-20 years. Maximum interest rate is 23.00%. Interest rate range between: 4.95% – 23.00%. Updated 2025-03-01
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 10.000 – 600.000
(≈ USD 1.000 – 63.000)
Term
12-180 months
Interest rate
6,23 % – 27,80 %.
Verified Company
You will receive an offer immediately
Collect small loans and credits
Example: The credit interest rate is 23.00%. The annual fee is 0 SEK. When using a credit of 10,000 SEK with repayment through 12 monthly payments of 941 SEK, the effective interest rate is 25.59%. The total amount to be repaid is 11,292 SEK. The example is calculated in March 2025 and the interest rate is variable.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 5.000 – 800.000
(≈ USD 500 – 83.000)
Term
12-240 months
Interest rate
4,95% – 23%
Example: Annuity loan 12 years, amount 400,000 SEK, variable interest rate 7.99%, arrangement cost 400 SEK, avi fee 20 SEK, gives an effective interest rate of 8.41%. Total amount to be repaid 626,457 SEK, divided into 144 repayments, gives a monthly cost of 4,348 SEK. Repayment period 1-20 years. Maximum interest rate is 23.00%. Interest rate range between: 4.95% – 23.00%. Updated 2025-03-01
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 10.000 – 150.000
(≈ USD 1.000 – 15.800)
Term
24-144 months
Interest rate
22,95 %
Example:*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 arrangement fee and SEK 19 in avia fees. 22.95% nominal interest. Variable interest rate. Banky collaborates with Nordiska Kreditmarknadsaktiebolaget. Updated 2025-02-28.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 10.000 – 800.000
(≈ USD 1.000 – 83.000)
Term
12-144 months
Interest rate
4,95 %-23 %
Example: 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 circumstances). The application will be sent to the lenders that best match your profile, updated 2025-01-09.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 10.000 – 50.000
(≈ USD 1.000 – 5.200)
Term
24-72 months
Interest rate
16,95 %-22,95 %
Example: A loan of SEK 25,588 taken out on 2025-06-30 at a variable interest rate of 19.95 percent with a repayment period of 72 months entails 72 installments of approximately SEK 660, SEK 588 in arrangement fee and SEK 49 in monthly administration fee. This gives an effective interest rate of a total of 27.10 percent and a total repayment of SEK 48,096.62.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 1.000 – 20.000
(≈ USD 105 – 2.000)
Term
12-36 months
Interest rate
22 %
Example: Borrow SEK 15,000 for 24 months. Total repayment SEK 18,847, or SEK 785 per month. Annual fixed interest rate 22%. Effective annual interest rate 28%, Set-up fee SEK 350. Total cancellation fees SEK 59.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 2.000 – 200.000
(≈ USD 210 – 21.000)
Term
4-19 months
Interest rate
23 %
Example: A credit of SEK 14,000 at 23.00% interest with a repayment period of ten months (with ten repayments of SEK 2,542, SEK 1,889, SEK 1,860, SEK 1,832, SEK 1,803, SEK 1,775, SEK 1,746, SEK 1,718, SEK 1,689 and SEK 1,661) and SEK 588 in arrangement fee, SEK 1,780 in Minimum to pay amount and SEK 600 in avi fees gives an effective interest of a total of 78.26%. The total amount to repay is SEK 18,517.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 5.000 – 800.000
(≈ USD 500 – 84.000)
Term
12-240 months
Interest rate
4,9 – 22,95 %
Example: A credit of SEK 14,000 at 23.00% interest with a repayment period of ten months (with ten repayments of SEK 2,542, SEK 1,889, SEK 1,860, SEK 1,832, SEK 1,803, SEK 1,775, SEK 1,746, SEK 1,718, SEK 1,689 and SEK 1,661) and SEK 588 in arrangement fee, SEK 1,780 in Minimum to pay amount and SEK 600 in avi fees gives an effective interest of a total of 78.26%. The total amount to repay is SEK 18,517.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Amount
SEK 1.000 – 30.000
(≈ USD 105 – 3.000)
Term
8-180 months
Interest rate
23 %
Example: Utilized credit of SEK 30,000 for 12 months, total repayment of SEK 35,645 (average SEK 2,970 per month). Effective annual interest rate: 39.31%. Account credit with variable nominal annual interest of 20% plus the reference interest rate currently 23%. Fees: Set-up fee SEK 395. Withdrawal fee SEK 195. Monthly administrative fee: SEK 99. The loan example assumes a withdrawal with a fee, an set-up fee and 12 monthly administrative fees.
Borrowing costs money.
If you are unable to repay your debt on time, you risk getting a payment default. This can make it harder to rent a home, sign contracts, or obtain new loans. For support, contact the municipal budget and debt counselling service. You can find contact information at konsumentverket.se.
Looking to figure out your loan details in Sweden? Our Loan Calculator is here to help. Whether it’s a personal loan, a mortgage, or something else, this tool makes it easy to see what you’re dealing with. You’ll get a clear picture of your monthly payments, interest rates, and the total cost of your loan, all in a few clicks.
Why not give our Loan Calculator a try? Just put in the loan amount, term, and interest rate, and you’ll instantly see your loan options laid out. It’s a great way to compare different loans and find the one that fits your budget and plans without the hassle.
How to use our loan calculator
Using our loan calculator is a breeze.
Here’s how you can get started
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.
