AdvisaBroker
One application, several banks reply
Effective rate6.17%from 4.59%
Per monthSEK 2,900
Total to repaySEK 173,995
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
Compare personal loans
17 offers from brokers, banks and lenders we work with in Sweden. We work out what the loan costs. You apply with the lender.
- Loan amount
- SEK 5,000–800,000
- Term
- 1–20 years
- Effective rate
- from 4.57%
- Rates checked
- 16 October 2026
15 personal loans for SEK 150,000
Sorted by total cost
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.
4 offers share the lowest total cost for SEK 150,000 over 5 years: SEK 173,995
LendoBroker
One application, several banks reply
Effective rate6.17%from 5.06%
Per monthSEK 2,900
Total to repaySEK 173,995
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
ReduceroBroker
One application, several banks reply
Effective rate6.17%from 5.06%
Per monthSEK 2,900
Total to repaySEK 173,995
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
SamblaBroker
One application, several banks reply
Effective rate6.17%from 4.59%
Per monthSEK 2,900
Total to repaySEK 173,995
Example: SEK 150,000 over 5 years, 6.00% nominal rate, no fees, 6.17% effective rate, total SEK 173,995.
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.
LoanstepLender
Credit check through Creditsafe
Effective rate28.04%nominal 22.00%
Per monthSEK 1,450
Total to repaySEK 87,586
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.
EkonomenBroker
One application, several banks reply
Effective rate8.71%from 4.59%
Per monthSEK 3,061
Total to repaySEK 184,044
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.
EnklareBroker
One application, several banks reply
Effective rate8.71%from 4.57%
Per monthSEK 3,061
Total to repaySEK 184,044
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.
FinloBroker
One application, several banks reply
Effective rate8.71%from 4.59%
Per monthSEK 3,061
Total to repaySEK 184,044
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.
TryggaBroker
One application, several banks reply
Effective rate8.77%from 5.07%
Per monthSEK 3,063
Total to repaySEK 184,277
Example: SEK 150,000 over 5 years, 8.30% nominal rate, setup fee SEK 495, 8.77% effective rate, total SEK 184,277.
MedMera BankBank
Personal loan direct from the bank
Effective rate9.12%from 5.33%
Per monthSEK 3,096
Total to repaySEK 185,779
Example: SEK 150,000 over 5 years, 8.76% nominal rate, no fees, 9.12% effective rate, total SEK 185,779.
CollectorBank
Personal loan direct from the bank
Effective rate9.16%from 7.23%
Per monthSEK 3,099
Total to repaySEK 185,953
Example: SEK 150,000 over 5 years, 8.80% nominal rate, no fees, 9.16% effective rate, total SEK 185,953.
ZmartaBroker
One application, several banks reply
Effective rate9.76%from 4.59%
Per monthSEK 3,129
Total to repaySEK 188,242
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.
Lånekoll
LånekollBroker
One application, several banks reply
Effective rate10.03%from 5.07%
Per monthSEK 3,158
Total to repaySEK 189,457
Example: SEK 150,000 over 5 years, 9.60% nominal rate, no fees, 10.03% effective rate, total SEK 189,457.
AvidaBank
Personal loan direct from the bank
Effective rate13.06%from 11.15%
Per monthSEK 3,358
Total to repaySEK 201,665
Example: SEK 150,000 over 5 years, 11.90% nominal rate, setup fee SEK 179, notice fee SEK 29/month, 13.06% effective rate, total SEK 201,665.
BrixoPersonal loan
Credit check through Dun & Bradstreet
Effective rate22.42%nominal 19.95%
Per monthSEK 3,995
Total to repaySEK 240,170
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.
BankyBroker
One application, several banks reply
Effective rate24.54%from 27.69%
Per monthSEK 4,139
Total to repaySEK 248,942
Example: SEK 150,000 over 5 years, 21.95% nominal rate, setup fee SEK 579, notice fees SEK 49 in total, 24.54% effective rate, total SEK 248,942.
The brokers' figures use the rate and fees from their own representative examples. Your rate depends on your finances and can be both lower and higher.
What is a personal loan?
A personal loan (privatlån) is an unsecured loan. You do not pledge a home or a car, and you decide what the money is for. Instead, the bank assesses your income and your other loans.
Because the bank has no security, the rate is higher than for a mortgage. How much higher depends on your finances. Two people applying for the same loan can be offered different rates.
Compare the effective rate, not the nominal
The nominal rate is the price of the loan itself. The effective rate also includes the fees and how often you pay. It shows what the loan costs per year, and it is the one you can compare between lenders. The full list, sorted by the effective rate, is on personal loans by effective rate.
What does a personal loan cost?
Calculated at 6.00% nominal rate and no fees, as in Advisa's representative example.
| Amount | Term | Per month | Total | Cost |
|---|---|---|---|---|
| SEK 50,000 | 3 years | SEK 1,521 | SEK 54,759 | SEK 4,759 |
| SEK 100,000 | 5 years | SEK 1,933 | SEK 115,997 | SEK 15,997 |
| SEK 150,000 | 5 years | SEK 2,900 | SEK 173,995 | SEK 23,995 |
| SEK 250,000 | 10 years | SEK 2,776 | SEK 333,062 | SEK 83,062 |
| SEK 400,000 | 12 years | SEK 3,903 | SEK 562,090 | SEK 162,090 |
A longer term means a lower monthly cost but a higher total cost.
Work out your own loanThe loan calculator shows the monthly cost and total for any rate and fee.Open the loan calculator Common questions about personal loans
Does comparing here affect my credit rating?
No. Kreddo makes no credit check and never sees your application. A credit check is made only when you apply with a lender or broker.
How much can I borrow on an unsecured loan?
With the lenders we compare, up to SEK 800,000. How much you get depends on your income, your other loans and what you have left to live on each month (KALP). The bank calculates at a higher rate than the one you get, to leave a margin.
What is the difference between a broker and a bank?
A broker sends your application to several banks at once and you choose between the replies. A bank answers only for its own loan. A broker normally makes a single credit check, however many banks reply.
Can I repay the loan early?
Yes. You may always repay an unsecured loan early and pay interest only up to the day you repay. At a variable rate the lender may not charge a fee for it. At a fixed rate, interest compensation (ränteskillnadsersättning) may apply. You also have a 14-day right of withdrawal.
Can I get a personal loan in Sweden without a Swedish personal number?
Lenders in Sweden assess applications against Swedish registers, so in practice you normally need a Swedish personal identity number (personnummer), to be registered as living in Sweden and to have income you can document. Check the requirements with the company before you apply.
How does Kreddo make money?
We are paid by the company when someone continues through our links and applies or signs an agreement. Every such link is marked Ad.