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Enklare

Broker

Enklare is a loan broker. You make one application and several banks reply with their own offers. Enklare does not lend money itself.

Terms and examples

The examples are calculated with the rate and fees in Enklare's terms. Ad: we are paid if you continue to Enklare.

Enklare is in the comparisons: Personal loans, Debt consolidation and With a payment remark.

Effective rate
4.57–27.85%
Loan amount
SEK 5,000–800,000
Age
At least 18
Annual income
At least SEK 120,000
Credit check
UC
Payment remark
Can be assessed

Rate, fees and example checked 16 October 2026 against Enklare's terms

Enklare's terms in their own words

The figures on this page come from here. The quotes are in Swedish, as Enklare publishes them. We check the text against Enklare's site and note the date.

Terms · enklare.se/samla-lan
Räkneexempel: Annuitetslån 12 år, belopp 400 000 kr, rörlig ränta 7,99 %, uppläggningskostnad 400 kr, aviavgift 20 kr, ger en effektiv ränta på 8,41 %. Totalt belopp att återbetala 626 457 kr, fördelat på 144 återbetalningar, ger en månadskostnad på 4 348 kr. Återbetalningstid 1-20 år. Maximala räntan är 22,00 %. Räntespann mellan: 4,50 - 22,00 %. Uppdaterat 2025-08-15. … Lånebelopp: 5 000 - 800 000 kr … Löptid: 1 - 20 år … Nominell ränta: 4,50 - 22,00 % … Effektiv ränta: 4,57 - 27,85 % … Du måste vara minst 18 år … Du måste ha en årsinkomst på minst 120 000 kr före skatt

Taken from Enklare's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].

In its favour

  • Normally a single credit check with UC, however many banks reply.
  • The broker charges you nothing.

Worth considering

  • The rate is set only once the banks have replied. The figures here are examples.
  • The range is wide, 4.57–27.85% effective rate. Your finances decide where you land.

Common questions about Enklare

Is Enklare a bank?

No. Enklare is a loan broker. You sign the loan with the bank you choose.

Does it cost anything to use Enklare?

No, not for you. The broker is paid by the bank when a loan is paid out. The rate and fees on the loan are set by the bank.

Does Enklare make a UC credit check?

Yes. Enklare makes the credit check with UC.

Can I borrow from Enklare with a payment remark?

It can be assessed. Enklare does not refuse automatically, but a payment remark (betalningsanmärkning) makes a rejection more likely and the rate higher.

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.