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Trygga

Broker

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

Terms and examples

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

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

Effective rate
5.07–26.50%
Loan amount
SEK 5,000–800,000
Age
At least 18
Income
At least SEK 10,000 a month
Credit check
UC
Payment remark
Can be assessed

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

Trygga's terms in their own words

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

Terms · trygga.com/lana-pengar/privatlan
För ett annuitetslån på 100 000 kr, 12 års återbetalningstid, nominell ränta 8,3 % och 495 kr i startavgift samt 0 kr i aviavgift blir den effektiva räntan 8,73 %. Totalkostnad: 158 252 kr eller 1 099 kr/månad fördelat på 144 inbetalningar. Individuell ränta 4,95 %–21,95 %. Återbetalningstid 1–20 år. … medan den effektiva räntan – som ligger mellan 5,07 % och 26,5 % – inkluderar både ränta och alla övriga avgifter … Trygga låter dig jämföra privatlån från 5 000 kr upp till 800 000 kr. … Minst 18 år gammal … Månadsinkomst på minst 10 000 kr (120 000 kr/år) från lön eller pension

Taken from Trygga'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, 5.07–26.50% effective rate. Your finances decide where you land.

Common questions about Trygga

Is Trygga a bank?

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

Does it cost anything to use Trygga?

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 Trygga make a UC credit check?

Yes. Trygga makes the credit check with UC.

Can I borrow from Trygga with a payment remark?

It can be assessed. Trygga 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.