Compare loans 
up to SEK 800,000

One application. Offers from up to 40 banks and lenders.

Free to apply – not binding
Compare interest rates and terms in one place
Only one credit check with UC

Here is a selection out of 40 of our partners
Spendwise
Bank Norweigan
Remember
Nordax
ICA Banken
Santander
Ikano bank
MedMera Bank
Collector
Marginalen Bank
Resurs
LF Finans

How loan comparison works at Sambla

Fill in the application

When you compare loans through Sambla, enter how much you want to borrow and your details. The application is free, and only one credit check is made with UC.

Get and compare offers

Your application is matched with the banks and lenders that fit your profile. If you get several offers, you can compare interest rates and terms before you decide.

Money in your account

You choose whether to accept any of the offers. If you go ahead, you sign the loan agreement with that lender. The money is then paid out to your account — timing varies between lenders.

Why compare loans?

By comparing several loan offers, you can see how interest rates and terms differ before you decide.

Banks and lenders make their own credit assessments, so they may offer different rates and terms on the same application.

When you compare, look at the effective interest rate, fees, monthly cost, repayment period and total cost — that gives a clearer picture of what the loan actually costs. A lower monthly cost does not always mean a cheaper loan overall, for example if the repayment period is longer.

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Our other services

Personal loans

Compare personal loan offers with one application through Sambla. Up to SEK 600,000 in new money, or SEK 800,000 when consolidating.

Mortgage

Sambla helps you compare mortgage offers from several lenders at once, so you can choose the terms that fit you.

Savings Accounts

Open a savings account with Sambla and track your savings in the app. No fixed term — deposit and withdraw whenever you like.

Payday Loans

Looking for a payday loan? Compare other loan options with Sambla instead of expensive short-term credit.

Bank Loan

Looking for a bank loan? Compare bank loan offers from up to 40 banks and lenders with one application.

Borrow money

Borrow money online via Sambla. Compare interest rates from up to 40 banks and lenders with only one credit check with UC.

More than a comparison service

Finance is about more than numbers. It is about what you need today, what you plan for tomorrow, and what matters along the way.

Sambla helps you get an overview, understand your options and take the next step. With us you can, among other things, compare loans, open a savings account and keep track of parts of your finances in the Sambla app.

Some products we offer ourselves, and others come from our partners. You always see who stands behind an offer and what applies before you decide.

We are here when it counts.

Your personal finances – on your phone

In the Sambla app you get an overview of your loans, credits and insurance. You can also see your credit score from UC without a credit check being taken, and open and manage Sambla Sparkonto. If you want to consolidate your loans, you can get help with the application directly in the app.

In the app you can also learn more about personal finance and ask Sam, our AI assistant. Sam is available around the clock and helps you understand financial questions and terms.

Download the Sambla app

Download the Sambla app in App Store Download the Sambla app in Google Play

Frequently asked questions

Is Sambla a bank or a loan broker?

Sambla is a finance company (kreditmarknadsbolag) under the supervision of Finansinspektionen. Sambla offers comparison of personal loans, mortgages and credit cards among up to 40 banks and lenders, and also its own products: a savings account (Sambla Sparkonto) and a vehicle loan that is only offered through MyMoney at car dealers — not applied for directly on sambla.se.

Does it cost anything to apply through Sambla?

No. Applying and comparing loan offers through Sambla is free of charge. There are no interest surcharges or extra fees for using the comparison.

What are the requirements for applying for a loan through Sambla?

  • You must be at least 18 years old.
  • Have a monthly income of at least SEK 8,400.
  • Have been registered in Sweden for at least 1 year.
  • Have not had a debt with the Swedish Enforcement Authority (Kronofogden) in the last 6 months.

How quickly do I get a response from the banks?

Response times vary between banks and lenders. Many applicants get their first offers quickly, but some lenders need more time. All offers are gathered in one place so you can compare them when they arrive.

Can I compare loans without committing?

Yes. Applying and comparing loan offers through Sambla is not binding. You choose yourself whether to accept any of the offers you receive — or decline them all.

How does Sambla make money?

Sambla receives compensation from the bank or lender that pays out the loan you choose. There are no interest surcharges or extra costs for using Sambla’s loan comparison. In short, the lenders pay Sambla for helping them reach new customers.