AdvisaBroker
One application, several banks reply
Effective rate6.17%from 4.59%
Per monthSEK 2,127
Total to repaySEK 127,596
Example: SEK 110,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 127,596.
Debt consolidation loans
Combine expensive credit into one loan. Work out what you pay in total, not just per month.
- Offers
- 16
- Amount
- SEK 5,000–800,000
- Effective rate
- from 4.57%
- Rates checked
- 16 October 2026
Work out a consolidation loan
Your credit today
Credit card
SEK
%
Instalment plan
SEK
%
Personal loan
SEK
%
Total debt SEK 110,000
The new loan
Result
TodaySEK 2,649/monthtotal SEK 158,931
ConsolidatedSEK 2,127/monthtotal SEK 127,596
SEK 31,334
lower total cost, SEK 522 less per month
The new loan is calculated at 6.00% nominal rate, the rate in Advisa's and Lendo's and Reducero's and Sambla's own representative example, and no fees. All credit is repaid over the same term.
Consolidation loans for SEK 110,000 over 5 years
Sorted by total cost
AdWe compare lenders and brokers we work with, and we are paid when you continue to them. The order is decided by cost.
4 offers share the lowest total cost for SEK 110,000 over 5 years: SEK 127,596
LendoBroker
One application, several banks reply
Effective rate6.17%from 5.06%
Per monthSEK 2,127
Total to repaySEK 127,596
Example: SEK 110,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 127,596.
ReduceroBroker
One application, several banks reply
Effective rate6.17%from 5.06%
Per monthSEK 2,127
Total to repaySEK 127,596
Example: SEK 110,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 127,596.
SamblaBroker
One application, several banks reply
Effective rate6.17%from 4.59%
Per monthSEK 2,127
Total to repaySEK 127,596
Example: SEK 110,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 127,596.
TryggaBroker
One application, several banks reply
Effective rate8.83%from 5.07%
Per monthSEK 2,246
Total to repaySEK 135,269
Example: SEK 110,000 over 5 years, 8.30% nominal rate, setup fee SEK 495, 8.83% effective rate, total SEK 135,269.
EkonomenBroker
One application, several banks reply
Effective rate8.86%from 4.59%
Per monthSEK 2,250
Total to repaySEK 135,393
Example: SEK 110,000 over 5 years, 7.99% nominal rate, setup fee SEK 400, notice fee SEK 20/month, 8.86% effective rate, total SEK 135,393.
EnklareBroker
One application, several banks reply
Effective rate8.86%from 4.57%
Per monthSEK 2,250
Total to repaySEK 135,393
Example: SEK 110,000 over 5 years, 7.99% nominal rate, setup fee SEK 400, notice fee SEK 20/month, 8.86% effective rate, total SEK 135,393.
FinloBroker
One application, several banks reply
Effective rate8.86%from 4.59%
Per monthSEK 2,250
Total to repaySEK 135,393
Example: SEK 110,000 over 5 years, 7.99% nominal rate, setup fee SEK 400, notice fee SEK 20/month, 8.86% effective rate, total SEK 135,393.
MedMera BankBank
Personal loan direct from the bank
Effective rate9.12%from 5.33%
Per monthSEK 2,271
Total to repaySEK 136,238
Example: SEK 110,000 over 5 years, 8.76% nominal rate, no fees, 9.12% effective rate, total SEK 136,238.
CollectorBank
Personal loan direct from the bank
Effective rate9.16%from 7.23%
Per monthSEK 2,273
Total to repaySEK 136,365
Example: SEK 110,000 over 5 years, 8.80% nominal rate, no fees, 9.16% effective rate, total SEK 136,365.
ZmartaBroker
One application, several banks reply
Effective rate9.92%from 4.59%
Per monthSEK 2,300
Total to repaySEK 138,480
Example: SEK 110,000 over 5 years, 8.95% nominal rate, setup fee SEK 495, notice fee SEK 19/month, 9.92% effective rate, total SEK 138,480.
Lånekoll
LånekollBroker
One application, several banks reply
Effective rate10.03%from 5.07%
Per monthSEK 2,316
Total to repaySEK 138,935
Example: SEK 110,000 over 5 years, 9.60% nominal rate, no fees, 10.03% effective rate, total SEK 138,935.
AvidaBank
Personal loan direct from the bank
Effective rate13.23%from 11.15%
Per monthSEK 2,470
Total to repaySEK 148,399
Example: SEK 110,000 over 5 years, 11.90% nominal rate, setup fee SEK 179, notice fee SEK 29/month, 13.23% effective rate, total SEK 148,399.
Northmill BankBank
Personal loan direct from the bank
Effective rate16.41%from 16.18%
Per monthSEK 2,622
Total to repaySEK 157,821
Example: SEK 110,000 over 5 years, 15.09% nominal rate, setup fee SEK 495, 16.41% effective rate, total SEK 157,821.
BrixoPersonal loan
Credit check through Dun & Bradstreet
Effective rate22.61%nominal 19.95%
Per monthSEK 2,936
Total to repaySEK 176,651
Example: SEK 110,000 over 5 years, 19.95% nominal rate, setup fee SEK 475, notice fee SEK 25/month, 22.61% effective rate, total SEK 176,651.
BankyBroker
One application, several banks reply
Effective rate24.62%from 27.69%
Per monthSEK 3,036
Total to repaySEK 182,725
Example: SEK 110,000 over 5 years, 21.95% nominal rate, setup fee SEK 579, notice fees SEK 49 in total, 24.62% effective rate, total SEK 182,725.
The full list of personal loans, sorted by the effective rate
Common questions about consolidation loans
Does consolidating loans pay off?
It pays off when your current credit has a higher rate than the new loan and you keep the same or a shorter term. Extend the term and the monthly cost falls but the total cost rises. Always calculate the total.
Can I consolidate loans with a payment remark?
Some of the lenders we compare make that possible, but the choice is smaller and the rate higher. A consolidation loan at a high rate can still be cheaper than several expensive credits. Calculate both.
What happens to my old cards and credit?
The bank often pays your old lenders directly. Then cancel the cards and credit. If they stay open with a limit, they often count as debt the next time you apply for a loan.
Can I include my mortgage?
No. A consolidation loan is an unsecured loan. The mortgage has a lower rate and should stay where it is.
How many credit checks will there be?
Through a broker normally one, however many banks reply. If you apply with several banks yourself, there is one per bank.