CollectorBank
Personal loan direct from the bank
Effective rate9.16%from 7.23%
Per monthSEK 3,099
Total to repaySEK 185,953
Example: SEK 150,000 over 5 years, 8.80% nominal rate, no fees, 9.16% effective rate, total SEK 185,953.
Collector
Collector is a bank that lends directly. We compare both a personal loan and a credit card from Collector. An answer to a loan application covers only Collector's own loan.
Terms and examples
The examples are calculated with the rate and fees in Collector's terms. Ad: we are paid if you continue to Collector.
Collector Purple
Credit card with up to 56 interest-free days
Annual feeSEK 0
Nominal rate11.95%
Credit limitup to SEK 50,000
Withdrawal3%, minimum SEK 45
Representative example: SEK 20,000 repaid over 12 months, 11.95% nominal rate, no fees, 12.63% effective rate, SEK 1,777 a month, total SEK 21,318.
Collector is in the comparisons: Personal loans, Debt consolidation and Credit cards.
- Effective rate
- 7.23–19.44%
- Loan amount
- SEK 20,000–500,000
- Card
- Collector Purple
- Age
- At least 23
- Annual income
- At least SEK 200,000
- Credit check
- UC
- Payment remark
- Not normally assessed
Rate, fees and example checked 16 October 2026 against Collector's terms
Collector's terms in their own words
The figures on this page come from here. The quotes are in Swedish, as Collector publishes them. We check the text against Collector's site and note the date.
Räkneexempel för privatlån Räkneexempel Lån 100 000 kr Återbetalningstid 10 år Exempelränta 8,8 %* Effektiv ränta 9,16 % Månadskostnad 1 256 kr Antal återbetalningstillfällen 120 Det sammanlagda beloppet du betalar på 10 år är 150 715 kr. … Prissättning sker efter en individuell kreditprövning och är för närvarande 7,0 % – 17,9 %. Uppläggningsavgift är 0 kr. Aviavgift 0 kr vid e-faktura eller autogiro. … För att ansöka om ett privatlån hos oss behöver du vara minst 23 år gammal och ha en stadigvarande inkomst på minst 200 000 kr om året. … Här på Collector erbjuder vi privatlån upp till 500 000 kr. … Ja, vi tar en kreditupplysning via UC när du ansöker om privatlån. Taken from Collector's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].
In its favour
- +Setup fee SEK 0, notice fee SEK 0 with e-invoice or direct debit.
- +A loan and a credit card from the same bank.
Worth considering
- !You need to be at least 23 and have at least SEK 200,000 in annual income.
Common questions about Collector
Does Collector make a UC credit check?
Yes. Collector makes the credit check with UC.
Can I borrow from Collector with a payment remark?
It is unusual. Under the terms we work from, applications with a payment remark are not normally assessed.
What happens if I cannot pay?
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.
How much can I borrow from Collector?
Up to SEK 500,000. How much you get depends on your finances, and the figures on the page are examples.