ExtralånetLender
Credit check through Bisnode
Effective rate22.79%nominal 20.71%
Per monthSEK 1,345
Total to repaySEK 80,671
Example: SEK 50,000 over 5 years, 20.71% nominal rate, no fees, 22.79% effective rate, total SEK 80,671.
Extralånet
Extralånet lends the money itself. The credit check is made with Bisnode, not with UC.
Terms and examples
The examples are calculated with the rate and fees in Extralånet's terms. Ad: we are paid if you continue to Extralånet.
Extralånet is in the comparisons: Personal loans, Loans without UC and With a payment remark.
- Effective rate
- 22.79%
- Loan amount
- SEK 10,000–50,000
- Age
- At least 20
- Credit check
- Bisnode
- Payment remark
- Can be assessed
Rate, fees and example checked 16 October 2026 against Extralånet's terms
Extralånet's terms in their own words
The figures on this page come from here. The quotes are in Swedish, as Extralånet publishes them. We check the text against Extralånet's site and note the date.
Du är mellan 20 år - 65 år. … betalningsanmärkningar får finnas men måste vara äldre än 6 månader … Du har inkomst av tjänst eller näringsverksamhet på lägst 15 000 kr per månad efter skatt (inkomst deklarerad i Sverige) under minst 3 månader före ansökan. … Den nominella räntan är 20,71% och den effektiva räntan är 22,79%. … Du kan ansöka om lån från 10 000 kr upp till 50 000 kr. … Ja, vi använder oss utav Bisnode. … Startkostnad/uppläggningsavgift: 0 kr Taken from Extralånet's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].
In its favour
- +The credit has no fees.
- +A payment remark (betalningsanmärkning) does not have to stop the application.
Worth considering
- !Effective rate above 20%, more than twice the lowest example for a personal loan through a broker (6.17%).
- !You need to be at least 20.
A personal loan may cost less
If you need a larger amount or a longer time, a personal loan through a broker or bank may cost less. For SEK 150,000 over 5 years the examples start at 6.17% effective rate, against 22.79% with Extralånet. Always compare the same amount and term.
Common questions about Extralånet
Does Extralånet make a UC credit check?
No. Extralånet gets the credit check from Bisnode. It does not show at UC, but it is still a credit check.
Can I borrow from Extralånet with a payment remark?
It can be assessed. Extralånet 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.
How much can I borrow from Extralånet?
Up to SEK 50,000. How much you get depends on your finances, and the figures on the page are examples.