Take control of your personal finances with the Sambla app

The Sambla app shows your credit score from UC, and no credit check is made when you view it. The Sambla app also collects your existing loans and credits in one place, including your mortgage, personal loans, credit cards and CSN student loan, so you can keep track of all your debts. If you want to consolidate them, Sambla helps you with the application. The Sambla app is free to use.

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Keep track of your credit score, now and over time

Your credit score is a measure of how healthy your personal finances are. Sambla encourages everyone to keep track of their credit score and work to improve it over time. In the Sambla app, your credit score is fetched directly from UC (Upplysningscentralen) and updated continuously. Banks look at this score when they assess you as a customer, for example when you apply for a mortgage.

Chat with Sam about loans and personal finance

Sam is the AI assistant in the Sambla app. You can ask Sam questions in your own words and get help understanding loans, costs and other parts of your personal finances. Sam is available around the clock, directly in the Sambla app.

For example, you can ask Sam what interest rate, effective interest rate and amortisation mean, what affects the cost of a loan, or how the repayment period affects your monthly cost.

Sam explains and guides, but does not make decisions about your loan application and cannot promise a specific outcome. If you need personal help, you can contact Sambla's customer service.

Chat with Sam in the app

Consolidate your loans and credits with Sambla

Consolidating several smaller loans and credits into one larger loan can lower your total costs and make your finances easier to manage. In the Sambla app, you can apply to consolidate your loans and compare offers from up to 40 banks and lenders, and Sambla supports you throughout the process.

Payment protection insurance through Sambla

Sambla's payment protection insurance gives you financial protection if something sudden and unexpected happens. The insurance can cover your loan costs if you become ill or unemployed, and you can also get compensation if you need to care for a close relative. The full terms, including what is covered and any exclusions, are in the insurance terms and conditions.

Frequently asked questions

Is a credit check taken due to me using the Sambla app?

No! No credit checks are taken when you log into the Sambla app. Note that if you do a loan application a credit check will be taken.

How frequently is my data updated?

The credit score is updated once a month, but your debts can be updated as frequently as daily depending on what bank(s) you have.

Is it free to use the Sambla app?

That is correct! It’s completely free to use the Sambla app.

I’ve paid of a debt, why is it still showing in the app?

It can take up to two months before the paid of debt disappear from the overview. This is because some banks processes of updating this data to UC takes time which also affects us since we’re fetching the data directly from UC.