Borrow Money and Compare Interest Rates in Sweden

Compare banks and lenders to get a good deal on borrowing money in Sweden.

Borrow up to SEK 800,000 Lower interest by comparing lenders Apply in 2 minutes, free

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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Borrowing Money Online via Sambla

Sambla provides a simple and free service, allowing you to compare loans from over 40 banks and lenders with a single application. This competition helps drive down interest rates and costs, benefiting you as the customer.

You can borrow up to SEK 800,000, depending on your credit score. By comparing multiple lenders at once, you increase your chances of securing the loan you want at the best rate possible.

Individual Loans

All loans in Sweden come with interest and repayment plans. Each loan is tailored with its own interest rate and terms. By comparing options, you can ensure you’re getting the best deal that matches your financial situation.

It takes less than 2 minutes to apply online using the form.

An Easier Way to Borrow Money in Sweden

Borrowing money using Sambla offers several advantages:

Speedy Response

You will get a reply from each lender within 24 hours, so you have plenty of time to go through all the offers.

No Obligations

You only commit when you sign an agreement with a lender, meaning you can always apply just to check your options.

Competitive Rates

Easily compare lenders to find the best interest rates and terms.

Minimal Impact on Credit Score

Despite reaching out to over 40 banks and lenders, only one credit report is used, ensuring your credit score isn’t affected more than necessary.

Secure Transactions

You can trust our secure processes, including BankID signatures, collaboration with UC, SSL certificates, and reputable business partners.

Personalized Assistance

Our highly trained staff ensures you receive accurate information tailored to your needs.

Can I Borrow Money via Sambla?

To borrow through Sambla, you must meet the following requirements:

You are at least 18 years old
You have been registered in Sweden for at least one year
You have had no debt balance with the Kronofogden during the last six months
You have a monthly income of at least SEK 8,400

Borrowing Money in Sweden Without BankID

Most of our partners let you sign using BankID when borrowing money. Loans with BankID are safer, easier, and quicker compared to waiting for an agreement in the mail. However, getting a loan without BankID is still possible, but your options are fewer.

If you don’t have a Swedish social security number, feel unsure about e-signing, or lack BankID, you can choose to receive the agreement by mail or sign via code or a bank security device. Out of the 40 banks and lenders Sambla collaborates with, 13 currently allow signing without BankID.

Which Loans Does Sambla Facilitate?

We facilitate unsecured personal loans. This means there is no collateral, unlike mortgages or similar loans. However, the interest rates might be slightly higher. On the bright side, you have more freedom to use the borrowed money for anything, and the repayment terms are often flexible.

With possibly high interest rates, it’s important to compare your borrowing options. You can easily apply for a loan on our website by filling out the form at the top.

Read more: Student loans

Personal Loans for Down Payments

When purchasing a property in Sweden, you can get a mortgage covering up to 90 % of the price. The remaining 10 % needs to come from other sources. While banks often suggest using savings for this, you can also consider taking a personal loan to cover the down payment.

Lowering the interest rate is crucial when buying a home, so using a service like Sambla can help find the best options for you. We can also assist you in comparing suitable mortgage loans.

Read more: Unsecured car loans

How do I Get the Best Possible Interest Rate Borrowing Money in Sweden?

A smart way to reduce your monthly expenses and pay off debts quicker is by merging all your current loans into one. If you qualify for a new loan, it’s a win-win situation. By eliminating scattered fees and high interest rates, you free up money to pay off the debt, opening doors to even lower interest rates.

Renegotiate Existing Loans

Even with a good interest rate, improving your loan terms can be beneficial. It’s important to actively seek renegotiation during the loan period. We suggest doing this annually, especially after a significant salary increase. As you repay, your financial situation improves, potentially leading to better terms. Take advantage of this by renegotiating your loans regularly.

Can I Get a Loan with a Payment Remark?

If you’ve faced financial troubles leading to payment remarks, your credit score might be low, making banks hesitant. But some lenders focus on your current financial state and can offer good loans despite past issues. If solo applications are denied, try applying with a co-applicant. Sambla ensures you won’t miss any offers.

Can I Borrow Money if I Have a Debt With Kronofogden?

If you owe money to Kronofogden (the Swedish Enforcement Authority), it can be difficult to borrow at a low interest rate. Remember, in challenging financial times, borrowing should be your last resort.

If you have substantial debt, focus on repaying Kronofogden first. While it may seem necessary to take out a new loan at times, Sambla requires six months without debt to Kronofogden before borrowing.

However, there are other options for getting a loan:

Secured loans like mortgages or using your home as collateral can be an option if you have debts with Kronofogden.
Borrowing from friends or family to clear debts with Kronofogden can be a good choice.

Once you’ve been debt-free with Kronofogden for six months, you can apply for a loan through Sambla. Using a co-applicant can help you secure a loan with the lowest possible interest rate.

Learn to Recognize a Good Loan

Not every loan is right for everyone. When you’re thinking about borrowing money, lenders look at how likely you are to pay it back and what your finances are like right now. Different banks and lenders have their own rules, too.

When you borrow money, make sure you don’t agree to pay back more than you can afford, even if the interest rate seems low. Sometimes, when unexpected expenses come up, it’s tempting to grab the first payday loan you can find, without really thinking about what might happen next.

Regardless of the size of the loan, it’s crucial to be sure you can pay back what you owe. So, before you decide, take the time to compare loans from different banks or through a loan broker – even if you need the money right away.

Three Key Factors for a Favorable Loan

Find an Interest Rate Tailored to Your Financial Situation

Before borrowing, assess if it’s truly affordable. Consider borrowing a smaller amount and saving the rest of the money you need.

Choose an Amortization Rate Suitable for Your Budget

While a longer repayment period may increase overall costs due to interest, it can make monthly expenses more manageable. With private loans, you can often adjust the amortization rate to your liking.

Look for Flexibility in Your Loan Terms

Some prefer options for payment-free months, while others prioritize quick repayment. Personal loans offer versatility, allowing you to use the funds as needed. Compare offers to ensure the best fit for your needs.

When you need a loan, we’re here to help you find the perfect fit for your financial needs. Don’t hesitate to apply through Sambla or reach out to us for further information.

Povel Arwidson

Updated: 2026-08-07

Povel är utbildad journalist med flerårig erfarenhet som ekonomiskribent. På Sambla hjälper han våra läsare genom lättbegripliga texter inom allt som rör privatekonomi.

Frequently Asked Questions – Borrow Money

Can I Borrow Money From Sweden?

In Sweden, you can borrow money through personal loans or mortgages from banks and other lenders. When you borrow, you need to make regular installments which include both interest rates, amortization, and sometimes a service charge.

How can I Find a Loan With Low Interest in Sweden?

To get a low-interest loan in Sweden, you can compare banks and lenders online. How much money you can borrow depends on your personal finances and ability to repay.

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