Personal Loans in Sweden
Compare personal loans in Sweden up to SEK 600,000, or SEK 800,000 when you consolidate loans. One application at Sambla reaches up to 40 banks and lenders, with one UC credit check.
One application and one UC credit check Personal loans up to SEK 600,000 Compare interest rates from several lenders
Approximate cost
Repayment time
Total cost
12 years
kr
Would you like to refinance your loans?
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.
How to Apply for a Personal Loan Through Sambla
Applying for a personal loan through Sambla means you submit one application and compare offers from several banks and lenders, instead of applying to one bank at a time. Sambla works with up to 40 banks and lenders. The application is free and not binding, and one UC credit check is made. You decide yourself whether to accept an offer.
A personal loan is a debt that must be repaid with interest. Only borrow what you need, and check the total cost of the loan before you accept an offer.
Fill in your personal loan application
Enter the amount you want to borrow and fill in your details. When you submit the application, you identify yourself with BankID.
The lenders make a credit assessment
Your personal loan application is matched with the banks and lenders that fit your profile. Each lender makes its own assessment and decides whether you get an offer, and what interest rate and terms it has. An application is no guarantee of an offer or an approved loan.
Compare the personal loan offers
You receive your personal loan offers in one place and can compare the interest rate, fees and the total cost of the loan. You decide yourself whether to proceed with any of them.
Sign with the lender
If you choose an offer, you sign the loan agreement with BankID at the bank or lender. The lender then handles the payout.
Follow your application in the app
See the status of your personal loan application and your offers directly on your phone.
Why Don't I Get Offers from Every Lender?
When you apply for a personal loan through Sambla, your application is matched with lenders that may be relevant based on your details. That does not mean every partner receives your application, or that every lender that does will make an offer.
"You only receive offers from the banks and lenders that, after their individual assessment, can offer you a loan. Each lender has its own criteria and makes a credit assessment based on your financial situation.
They mainly look at whether you can pay interest and amortisation over the full repayment period. The assessment can also be affected by your income, existing loans and credits, payment remarks and previous credit checks. Because lenders' criteria differ, the number of offers varies from person to person.”
Yasin Kayhan – Commercial Manager
FAQ - Personal loans
How much can I borrow with a personal loan through Sambla?
How much can I borrow with a personal loan through Sambla?
Through Sambla you can apply for a personal loan of up to SEK 600,000, or up to SEK 800,000 if you use the loan to consolidate existing loans. The amount you are offered depends on each lender's credit assessment.
How many credit checks are made when I apply?
How many credit checks are made when I apply?
When you apply for a personal loan through Sambla, one UC credit check is made for the application. You do not need to apply to each bank separately.
Can I get a personal loan with a payment remark?
Can I get a personal loan with a payment remark?
A payment remark does not automatically stop you from applying for a personal loan through Sambla, but fewer lenders may make an offer. Debts with Kronofogden usually mean you cannot get a loan.
Can I apply for a personal loan with a co-applicant?
Can I apply for a personal loan with a co-applicant?
Yes. Applying with a co-applicant means the lender assesses both incomes and credit histories, which can improve your chances of an offer and a lower interest rate.
What interest rate will I get on a personal loan?
What interest rate will I get on a personal loan?
The interest rate on a personal loan is set individually by each bank or lender. Through Sambla, interest rates range from 4.50% to 21.99% (August 2026). Compare the effective interest rate to see the real cost.
When is the money paid out?
When is the money paid out?
If you accept a personal loan offer, you sign the agreement with BankID at the lender. The payout then follows that lender's process, so the timing varies between banks and lenders.
Can I repay a personal loan early?
Can I repay a personal loan early?
Yes. You can normally repay a personal loan early, in full or in part. Check the terms of the offer you accept, because some lenders may charge an early repayment fee.
Does it cost anything to apply through Sambla?
Does it cost anything to apply through Sambla?
No. Applying for a personal loan through Sambla is free and not binding. You only pay interest and fees to the lender if you accept an offer.
Afif is a trained and certified loan adviser with a licence from Finansinspektionen for insurance mediation. With more than 10 years of experience in loan brokering and fintech, he has a strong knowledge of the Nordic loan market and of how to make good decisions when borrowing money.
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