Banky arranges personal loans and consolidation loans from Bankaktiebolaget Nordiska (publ). Banky does not lend money itself; the lender makes the credit check. Nominal rate 21.95%, variable, and loans up to SEK 200,000.
The examples are calculated with the rate and fees in Banky's terms. Ad: we are paid if you continue to Banky.
One application, several banks reply
Example: SEK 150,000 over 5 years, 21.95% nominal rate, setup fee SEK 579, notice fees SEK 49 in total, 24.54% effective rate, total SEK 248,942.
Banky is in the comparisons: Personal loans, Debt consolidation and Loans without UC.
Rate, fees and example checked 16 October 2026 against Banky's terms
The figures on this page come from here. The quotes are in Swedish, as Banky publishes them. We check the text against Banky's site and note the date.
Räkneexempel: Annuitetslån 6 år, effektiv årsränta 27,69 %. Ett lån på 60 000 kr kostar 1 571 kr/mån (72 avbetalningar), totalt 113 580 kr inkl. 579 i uppläggningsavgift och 49 i aviavgifter. 21,95 % nominell ränta. Rörlig ränta. Banky samarbetar med Bankaktiebolaget Nordiska (publ). … Vara minst 18 år gammal (23 år om du själv ansöker om att stå som borgensman, 25 år om du söker lån utan borgensman) … Ha en inkomst före skatt på minst 10 000 kr/mån … Inte vara i konkurs eller vara student eller arbetslös … Den kreditgivare som vi samarbetar med baserar sin kreditbedömning på en mängd olika faktorer. Taken from Banky's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].
No. Banky is a consumer credit institution licensed by Finansinspektionen to arrange consumer credit. The lender is Bankaktiebolaget Nordiska (publ), and Banky does not lend money itself.
No, not for you. Banky is paid by the lender when a loan is paid out.
No. Banky gets the credit check from Dun & Bradstreet. It does not show at UC, but it is still a credit check.
It is unusual. Under the terms we work from, applications with a payment remark are not normally assessed.
Contact the company before the due date. Otherwise a reminder follows, then late-payment interest, and finally debt collection and Kronofogden (the Swedish Enforcement Authority), which leads to a payment remark. Interest and fees may never add up to more than you borrowed.