16 credits from 14 lenders and brokers that assess applications despite a payment remark (betalningsanmärkning). Expect a rate above the examples.
Short answer
A payment remark (betalningsanmärkning) stays for three years and makes many banks say no. 16 credits from 14 lenders and brokers still assess the application, at a higher rate. A current debt with Kronofogden makes a yes very unusual.
If you have debts you cannot pay, a new loan rarely makes it better. Your municipality's budget and debt advice is free and can help you make a plan, negotiate with the people you owe or apply for debt relief.
Sorted by total cost within each group
AdWe compare lenders and brokers we work with, and we are paid when you continue to them. The order is decided by cost.
Brokers send your application to several banks, and their figures are representative examples. Banks and lenders answer only for their own loan.
Calculated on SEK 150,000 over 5 years. With a broker, the banks behind it decide, and a rejection is more likely with a payment remark.
Credit check through Creditsafe
Example: SEK 20,000 over 3 years, 22.00% nominal rate, setup fee SEK 350, notice fees SEK 59 in total, 26.13% effective rate, total SEK 27,906.
Credit check through Bisnode
Example: SEK 50,000 over 5 years, 20.71% nominal rate, no fees, 22.79% effective rate, total SEK 80,671.
Credit check through Creditsafe
Example: SEK 50,000 over 5 years, 22.00% nominal rate, setup fee SEK 589, notice fee SEK 69/month, 28.04% effective rate, total SEK 87,586.
One application, several banks reply
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
One application, several banks reply
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
One application, several banks reply
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
One application, several banks reply
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
One application, several banks reply
Example: SEK 150,000 over 5 years, 7.99% nominal rate, setup fee SEK 400, notice fee SEK 20/month, 8.71% effective rate, total SEK 184,044.
One application, several banks reply
Example: SEK 150,000 over 5 years, 8.30% nominal rate, setup fee SEK 495, 8.77% effective rate, total SEK 184,277.
One application, several banks reply
Example: SEK 150,000 over 5 years, 8.95% nominal rate, setup fee SEK 495, notice fee SEK 19/month, 9.76% effective rate, total SEK 188,242.
One application, several banks reply
Example: SEK 150,000 over 5 years, 9.60% nominal rate, no fees, 10.03% effective rate, total SEK 189,457.
Personal loan direct from the bank
Example: SEK 150,000 over 5 years, 15.09% nominal rate, setup fee SEK 495, 16.35% effective rate, total SEK 215,030.
Credit check through Dun & Bradstreet
Example: SEK 150,000 over 5 years, 19.95% nominal rate, setup fee SEK 475, notice fee SEK 25/month, 22.42% effective rate, total SEK 240,170.
Calculated on SEK 10,000 over 12 months.
No UC, credit check through Dun & Bradstreet
Example: SEK 10,000 over 1 year, 21.95% nominal rate, no fees, 24.30% effective rate, total SEK 11,228.
Credit line, credit check through Dun & Bradstreet
Example: SEK 10,000 over 1 year, 21.95% nominal rate, no fees, 24.30% effective rate, total SEK 11,228.
Personal loan direct from the bank
Example: SEK 10,000 over 5 years, 20.17% nominal rate, setup fee SEK 245, notice fee SEK 29/month, 29.92% effective rate, total SEK 17,938.
A payment remark is a note at the Swedish credit bureaus that an unpaid debt reached Kronofogden and a court order was issued. An unpaid invoice does not by itself give a remark.
The remark stays for three years for private individuals, counted from the registration. Paying the debt does not remove it, but a paid debt counts for less with many lenders.
Read more in the guides borrowing with a payment remark and if you cannot pay. For a smaller amount, see loans without UC, and with several expensive credits a debt consolidation loan can be an option.
A payment remark (betalningsanmärkning) is a note at the Swedish credit bureaus that a debt went unpaid and reached Kronofogden, the Swedish Enforcement Authority. Lenders see it when they make a credit check.
Three years for private individuals, counted from when it was registered. It does not disappear when the debt is paid, but a paid debt counts for less with many lenders.
It is very unusual. Most lenders say no while there is a current debt with Kronofogden. Contact Kronofogden and your municipality's budget and debt advice first.
Often. A co-applicant with a stable income and no payment remarks shares responsibility for the loan, which can lead to both a yes and a lower rate. The co-applicant becomes just as liable as you.
A decision by Kronofogden that writes down debts you cannot pay, in return for you paying what you can for a few years. You apply to Kronofogden. Your municipality's budget and debt advice can help.
Contact your municipality's budget and debt advice. The service is free, the adviser has a duty of confidentiality and can help you make a plan and talk to the people you owe money.
