Short answer
A payment remark (betalningsanmärkning) stays on record for three years for private individuals and means many banks say no. Some banks, including several that the brokers work with, still assess the application, at a higher rate. A current debt with Kronofogden makes a yes very unusual.
What a payment remark is, and is not
A payment remark is a note at the credit bureaus that an unpaid debt has gone to Kronofogden, the Swedish Enforcement Authority, and a ruling has been issued. An unpaid invoice on its own does not cause one. It stays for three years for private individuals, counted from the note, not from when the debt was paid.
Paying the debt does not remove the remark. It is still the first thing to do, partly because the debt otherwise grows, and partly because lenders that assess applications with a remark look at whether the debt has been paid.
Who assesses you
Some banks accept more risk than others, and several of the banks that brokers work with assess applications despite a payment remark. A broker sends your application to several banks on a single credit check, and it takes only one of them to say yes.
Expect a rate at the upper end of the range. It is still usually lower than for a quick loan, and the 22.00% interest rate cap applies here too.
Do this before you apply
Get your own credit report free from UC and see exactly what it says. Sometimes there are remarks that are wrong or should have expired, and they can be corrected.
Do not apply widely and on impulse. Every direct application brings its own credit check, and many checks in a short time lower your creditworthiness further. Use a broker instead, once.
If you have several debts with Kronofogden, a new loan is rarely the answer. Your municipality's budget and debt adviser is free and bound by confidentiality.
