Bank Loans – Compare Offers from 40+ Lenders

Looking for a bank loan in Sweden? Compare offers from over 40 banks and lenders with one free application and one UC credit check.

One free application and one UC credit check
Borrow from SEK 5,000 up to SEK 800,000
Compare offers from 40+ banks and lenders

Credit amount

Approximate cost

kr/mth

Repayment time

Total cost

12 years

Would you like to refinance your loans?

Yes

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Borrowing Money Costs!

If you cannot repay the entire debt, you risk a payment notice. This can lead to difficulties in renting a home, taking out subscriptions and getting new loans. If you need to talk to someone about your finances, you can turn to the budget and debt counseling in your municipality. Contact information is available at konsumerverket.se.

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Can You Get a Bank Loan in Sweden?

Yes, getting a bank loan in Sweden is possible if you meet a lender's requirements. Every bank and lender makes its own credit assessment based on factors such as your income, existing debts and ability to repay the loan.

Because lending criteria vary, the same application can lead to different loan offers or different decisions. Comparing several banks and lenders at the same time can improve your chances of finding a loan with competitive terms.

Improve your chances of getting a bank loan

Have a stable income
Keep your existing debts at a manageable level
Apply with a co-applicant if possible
Compare several banks and lenders

What Do Banks Look at When Reviewing Your Application?

A bank loan application is about more than just your credit score. Banks and lenders assess your overall financial situation to determine whether you can comfortably repay the loan.

Having a stable income, manageable debts and a good repayment history can strengthen your application. While every lender has its own criteria, most consider the same key factors when making a lending decision.

Banks consider	Why it matters
Income	Shows your ability to repay the loan.
Existing debts	Helps determine how much you can afford to borrow.
Credit history	Indicates how you've managed previous credit and payments.
Employment	Stable employment can strengthen your application.
Credit assessment	Used to evaluate the overall lending risk.

How to Apply for a Bank Loan

Complete your application

Enter the amount you want to borrow and provide your details. If you want to refinance existing loans or credits, you can include them in your application. Applying is free and only takes a few minutes.

We compare banks and lenders

We send your application to the lenders that best match your financial profile. Since each lender has its own lending criteria, comparing several options can increase your chances of finding a suitable loan.

Compare your offers

If you're approved, you'll receive one or more loan offers to compare. Review the interest rates, repayment terms and monthly costs before deciding which offer suits you best.

Sign with BankID

Once you've chosen an offer, sign the agreement securely with BankID. The lender will then process the payment according to its normal payout times.

Complete your application

We compare banks and lenders

Compare your offers

If you're approved, you'll receive one or more loan offers to compare. Review the interest rates, repayment terms and monthly costs before deciding which offer suits you best.

Sign with BankID

Once you've chosen an offer, sign the agreement securely with BankID. The lender will then process the payment according to its normal payout times.

Basic Requirements for a Bank Loan

Most banks and lenders in Sweden have similar basic requirements when you apply for a bank loan. The exact criteria vary between lenders, but these are the most common requirements.

Be at least 18 years old

You must be at least 18 years old to apply for a bank loan.

Be registered in Sweden

Most lenders require you to be registered as a resident in Sweden.

Have a regular income

A stable income improves your chances of being approved for a loan.

No active debt with the Swedish Enforcement Authority

Most lenders require that you do not have any active debt registered with the Swedish Enforcement Authority.

Loan Amounts, Repayment Terms and Interest Rates

With Sambla, you can compare unsecured bank loans from SEK 5,000 up to SEK 800,000. The loan amount, repayment period and interest rate you receive depend on your financial situation and the lender's assessment.

Comparing offers from multiple banks and lenders gives you a better overview of the available interest rates and loan terms before making a decision.

Loan amount	SEK 5,000–800,000
Repayment period	1–20 years
Interest rate	Individual assessment
Application fee	None
Comparison service	Free
UC credit check	One UC

Why Compare Bank Loans Instead of Applying to One Bank?

Applying to just one bank means you'll only receive one lending decision and one loan offer. By comparing several banks and lenders at the same time, you can see which offers the most suitable interest rate and loan terms for your financial situation.

With Sambla, you only complete one application. We compare offers from over 40 banks and lenders, making it easier to compare your options before deciding whether to accept an offer.

Apply through Sambla	Apply directly to one bank
Compare offers from 40 banks and lenders	One lender only
One application	One application per bank
One UC credit check	One lending decision
Compare interest rates and loan terms	One offer to consider

Comparing several lenders doesn't guarantee approval, but it gives you a better overview of your options and can help you find a loan that better matches your financial situation. You always choose whether to accept a loan offer. Comparing loans through Sambla does not commit you to borrowing money.

Types of Bank Loans

Banks offer different types of loans depending on what you need the money for. Here are some of the most common options.

Mortgage: For buying a home
Car loan: For purchasing a vehicle
Personal loan: An unsecured loan that can be used for almost any purpose
Consolidation loan: Combine existing loans and credit into one monthly payment
Student loan: A loan used to finance your studies while at university
Business loan: For companies and self-employed borrowers

Not sure which loan is right for you? An unsecured personal loan is often the most flexible option and can be used for a wide range of purposes.

When Is a Bank Loan a Good Choice – and When Should You Wait?

A bank loan can be a useful financial tool in the right situation, but it isn't always the best solution. Before applying, consider why you need the loan and whether you'll be able to repay it comfortably over time.

A bank loan may be a good choice if...

✔ You want to consolidate existing loans or credit cards.

✔ You need to cover an unexpected but necessary expense.

✔ You've reviewed your budget and can comfortably afford the monthly repayments.

You should consider waiting if...

✖ You need a new loan to repay existing debt.

✖ The loan is for non-essential spending that can be postponed.

✖ Your finances are already under pressure and you don't have a clear repayment plan.

Good to know

If your goal is to lower your monthly costs, a consolidation loan may be a better option than taking on additional debt. By combining existing loans and credits, you may be able to simplify your finances and reduce your monthly payments.

Frequently Asked Questions – Bank Loan

Can I get a bank loan in Sweden?

Yes, you can apply for a bank loan in Sweden if you meet a lender's requirements. Banks assess factors such as your income, existing debts and ability to repay the loan before making a lending decision.

How much can I borrow?

Through Sambla, you can apply to borrow between SEK 5,000 and SEK 800,000. The amount you're offered depends on your financial situation and the lender's assessment.

Does applying affect my credit score?

When you compare loans through Sambla, only one UC credit check is used, even though your application is compared with multiple banks and lenders.

How long does it take to receive the money?

If your application is approved and you sign the agreement with BankID, the lender will process the payment according to its normal payout times. The exact time varies between lenders.

Is it free to compare bank loans?

Yes. Comparing bank loans through Sambla is completely free and does not obligate you to accept any loan offer. If you accept a loan offer, we receive a commission from the lender, so you never pay anything for using our service.

What interest rate will I get?

The interest rate depends on factors such as your income, existing debts, credit history and the lender's assessment. Comparing several lenders can help you find a competitive interest rate.

Can I apply with a co-applicant?

Yes. Applying with a co-applicant can strengthen your application and may improve your chances of approval or help you receive better loan terms.

Can I use a bank loan for any purpose?

An unsecured bank loan can normally be used for most purposes, such as home improvements, buying a car, travel or consolidating existing loans.

Marcus Sätherström

Updated: 2026-08-05

Marcus is our former financial writer and the author of much of the content published on Sambla.se. For several years, he has explained personal finance topics in a clear and accessible way, with the goal of making financial information easy to understand for everyone.

Reviewed by

Marcus Karlsson

Finance Expert, Sambla Group

Last reviewed: 2026-07-02

Marcus has more than 20 years of experience in international finance and reviews this article for accuracy, relevance and quality before publication. This review is part of our editorial process to help ensure that the information you read is accurate, up to date and held to a high standard.

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