Compare loans
Borrow

Personal loans and credit

Personal loansEffective rate from 4.57%Debt consolidationCombine expensive credit into one loanQuick loansSmall amounts, mostly high-cost creditLoans without UCA credit check other than UCWith a payment remarkLenders that still assess you

More loans

MortgagesThrough Lendo: new, move or increaseBusiness loansOPR: loans and credit for companiesPawn loansCash against watches, jewellery and cars

Read more

Personal loans by effective rateThe full list, sorted by rateEffective interest rateWhat the loan costs per yearGuide: how much can I borrow?How the bank works it outLoan rules 2026Rate cap, cost cap and interest deduction
Cards
Insurance and pension

Insurance

Home insuranceSejfa: rented and owned flatsTravel insuranceEuropeiska ERV: trips, visitors and cancellationCar insuranceZmarta: compare and switch car insurancePet insuranceSveland: dogs, cats, horses and small petsPet insuranceLassie: dogs and cats

Pension and legal

Pension advicePensionera: an overview and fund adviceLegal helpLexly: cohabitation agreements, wills, powers of attorney
Calculators

For loans

Loan calculatorMonthly cost, effective rate and totalEffective rate calculatorCompare two loans and their feesHow much can I borrow?What is left of your income each monthDebt consolidationWhat you save by combining credit

Mortgages and savings

Mortgage calculatorInterest, amortisation and down payment 2026Savings calculatorCompound growth on your savings
About us SvenskaEnglishالعربية
Compare personal loans

Zmarta

Broker

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

Terms and examples

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

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

Effective rate
4.59–57.26%
Loan amount
SEK 10,000–800,000
Age
At least 18
Annual income
At least SEK 100,000
Credit check
UC
Payment remark
Can be assessed

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

Zmarta's terms in their own words

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

Terms · zmarta.se/lana-pengar/samla-lan
Representativt exempel: Ett samlingslån på 150 000 kr med 8 års återbetalningstid (96 månader), rörlig nominell ränta 8,95 %, uppläggningsavgift 495 kr och aviavgift 19 kr/mån ger en effektiv ränta på 9,69 % och en månadskostnad på cirka 2 213 kr. Totalt att betala: cirka 212 909 kr. Räntan sätts individuellt; nominell ränta hos Zmartas långivare är för närvarande 4,50–22,00 % och effektiv ränta 4,59–57,26 % (juli 2026). … För att ansöka om ett samlingslån via Zmarta behöver du ha fyllt 18 år, ha en årsinkomst på minst 100 000 kr, vara folkbokförd i Sverige och inte ha några obetalda skulder hos Kronofogden.

Taken from Zmarta'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, 4.59–57.26% effective rate. Your finances decide where you land.

Common questions about Zmarta

Is Zmarta a bank?

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

Does it cost anything to use Zmarta?

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 Zmarta make a UC credit check?

Yes. Zmarta makes the credit check with UC.

Can I borrow from Zmarta with a payment remark?

It can be assessed. Zmarta 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.