BrixoCredit line
No UC, credit check through Dun & Bradstreet
Effective rate24.30%nominal 21.95%
Per monthSEK 936
Total to repaySEK 11,228
Example: SEK 10,000 over 1 year, 21.95% nominal rate, no fees, 24.30% effective rate, total SEK 11,228.
Compare quick loans
11 quick loans and credit lines from the lenders we compare. 6 of them are high-cost credit. Work out the total before you apply.
- Amount
- SEK 1,000–200,000
- Term
- 1–120 months
- Effective rate
- 9.7–204.9%
- Rates checked
- 16 October 2026
Before you take a quick loan
A quick loan of SEK 10,000 costs SEK 1,228 to SEK 7,039 over 12 months in the examples below. Several small credits can be replaced by a consolidation loan at a lower rate. If it is hard to make ends meet, your municipality's budget and debt advice (budget- och skuldrådgivning) helps you for free.
9 quick loans for SEK 10,000
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.
2 offers share the lowest total cost for SEK 10,000 over 1 year: SEK 11,228
FlexkontotLender
Credit line, credit check through Dun & Bradstreet
Effective rate24.30%nominal 21.95%
Per monthSEK 936
Total to repaySEK 11,228
Example: SEK 10,000 over 1 year, 21.95% nominal rate, no fees, 24.30% effective rate, total SEK 11,228.
DaypayHigh-cost credit
Credit check through Creditsafe
Effective rate58.39%nominal 22.00%
Per monthSEK 3,476
Total to repaySEK 10,778
Example: SEK 10,000 over 3 months, 22.00% nominal rate, setup fee SEK 350, notice fees SEK 59 in total, 58.39% effective rate, total SEK 10,778.
CreditstarHigh-cost credit
Credit check through Dun & Bradstreet
Effective rate37.24%nominal 20.00%
Per monthSEK 956
Total to repaySEK 11,776
Example: SEK 10,000 over 1 year, 20.00% nominal rate, setup fee SEK 300, notice fee SEK 30/month, 37.24% effective rate, total SEK 11,776.
Saldo BankHigh-cost credit
Personal loan direct from the bank
Effective rate50.68%from 32.45%
Per monthSEK 975
Total to repaySEK 12,284
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 585, notice fee SEK 39/month, 50.68% effective rate, total SEK 12,284.
BinlyHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 588, notice fee SEK 57/month, 56.27% effective rate, total SEK 12,503.
CredifiHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 588, notice fee SEK 57/month, 56.27% effective rate, total SEK 12,503.
LumifyHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 588, notice fee SEK 57/month, 56.27% effective rate, total SEK 12,503.
TomlyHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 588, notice fee SEK 57/month, 56.27% effective rate, total SEK 12,503.
ViaContoHigh-cost credit
Credit line, credit check through Creditsafe
Effective rate204.86%nominal 22.00%
Per monthSEK 1,371
Total to repaySEK 17,039
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 588, notice fee SEK 435/month, 204.86% effective rate, total SEK 17,039.
Northmill BankBank
Personal loan direct from the bank
Effective rate29.92%from 9.71%
Per monthSEK 295
Total to repaySEK 17,938
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.
High-cost credit means an effective rate of at least 32%. The figures are based on the lenders' own representative examples and fees.
Why small loans cost more per krona
A quick loan (snabblån) is a small loan, often a few thousand kronor, repaid over a few months. The interest is charged on a small amount, so the fees weigh heavily. A setup fee of SEK 588 is almost six per cent of a SEK 10,000 loan.
A credit line works differently. You get a limit and pay interest only on what you have drawn. Northmill Bank, Brixo, Saldo Bank, Credifi, Lumify, Flexkontot, ViaConto, Binly and Tomly offer credit lines.
The rules that protect you
The nominal rate may not be higher than the reference rate plus 20 percentage points, today 22.00%. Interest and fees together may never add up to more than you borrowed. You have a 14-day right of withdrawal and may always repay early, without a fee if the rate is variable.
The same SEK 10,000, different costs
What the loan costs over 12 months, from the examples above.
| Credit | Effective rate | Cost |
|---|---|---|
| Brixo Credit line, Flexkontot | 24.30% | SEK 1,228 |
| Creditstar | 37.24% | SEK 1,776 |
| Saldo Bank | 50.68% | SEK 2,284 |
| Credifi, Lumify, Binly, Tomly | 56.27% | SEK 2,503 |
| ViaConto | 204.86% | SEK 7,039 |
Common questions about quick loans
Is a quick loan high-cost credit?
Usually. Credit counts as high-cost credit (högkostnadskredit) when the effective rate is at least 32%, the reference rate plus 30 percentage points. 6 of the 11 credits here are above that line. Northmill Bank's credit line (9.71%), Brixo's credit line (24.30%), Flexkontot's credit line (24.30%) and Creditstar's credit (25.06%) are below it. Daypay's quick loan depends on the amount: the shorter loans are above that line.
Can I repay a quick loan early?
Yes. You may always repay early and then pay interest only for the time you had the money. At a variable rate the lender may not charge a fee for it. Within 14 days you can also withdraw from the loan.
What happens if I do not pay on time?
First a reminder with a fee, then late-payment interest, and finally the debt can go to debt collection and Kronofogden, the Swedish Enforcement Authority. That leads to a payment remark (betalningsanmärkning). Interest and fees may still never add up to more than you borrowed. Contact the lender before the due date if you see that you cannot pay.
Does a quick loan affect my chances of other loans?
It can. The credit shows in your credit report, and several new credits in a short time can make a bank say no or set a higher rate on a mortgage or personal loan.
How does Kreddo make money from this?
We are paid by the lender when someone continues through our links and applies or signs an agreement. Every such link is marked Ad. The order is decided by the total cost.