Compare loans in Sweden – one application, offers from several banks

Since 1999, we’ve helped people in Sweden compare loans.

loans

How does Zmarta work?

Zmarta is a loan intermediary licensed by Finansinspektionen, the Swedish Financial Supervisory Authority. You send one application, we forward it to banks and lenders we work with, and you get back the offers they choose to make. Only one credit check is made, however many lenders respond. You always decide yourself whether to accept an offer.

Zmarta Illustrations Submitting application 4

1. Send your application

Choose amount and repayment period, fill in your details and add a co-applicant if you want to. It takes a few minutes.
Zmarta Illustrations Select an offer 9

2. Compare your offers

Most lenders reply within minutes, and all offers usually arrive within 24 hours. You see them side by side on My pages.
Zmarta Illustrations Saving over time Large 15

3. Choose – or decline

Compare the effective interest rate, monthly cost and total cost. If you accept, you sign the loan agreement with BankID and the money is usually paid out within 1–3 banking days.

Which loans can you compare with Zmarta?

Through Zmarta you can compare unsecured consumer loans – loans where you do not pledge your home or car as security. You use the same application whatever the money is for. These are the three most common reasons people apply:

  • Personal loan – an unsecured loan for almost any purpose, up to SEK 800,000.

  • Consolidation loan – replace several small loans and credits with one loan and one monthly payment.

  • Loan for a car – an unsecured personal loan to buy a new or used car, without a down payment.

If you receive an offer from one or several of our partners you choose yourself if you want to accept one and you can always decline.

  • Free to compare

  • Only one credit check with UC

  • Personal service

Can I get a loan in Sweden if I'm not Swedish?

Yes, if you live in Sweden and meet the lenders' basic requirements. Most lenders don’t require citizenship for loans in Sweden. What matters is that you are registered in the Swedish population register (folkbokförd), have a Swedish personal identity number (personnummer) and an income of at least SEK 100,000 a year.

Each lender then makes its own credit assessment. Some lenders may also look at how long you have lived in Sweden or the type of employment you have.

Good to know before you apply:

  • Our customer support speaks English.

  • Loan amounts are applied for in Swedish krona SEK.

Why compare loans before you choose?

Because otherwise you do not know whether you are paying more than you need to. Banks and lenders make their own risk assessments, so the same person can get different interest rates and terms from different lenders. Applying to each bank separately takes time and usually means a new credit check every time. Through Zmarta you see several offers side by side with one credit check.

More than half of those who receive offers through Zmarta get offers from more than one bank – almost always at different interest rates.

Based on loan applications through zmarta.se over the past twelve months.

What does it cost to use Zmarta?

Nothing. Comparing and applying is free and you are not obliged to accept any offer. Zmarta receives compensation from the bank or lender you choose to borrow from, once the loan is paid out.

Zmarta works with a selected panel of banks and lenders and does not compare every lender on the market.

Why choose Zmarta?

  • Licensed and supervised – Zmarta is a loan intermediary licensed by Finansinspektionen.

  • One credit check – your application is shared with the lenders through one UC check.

  • Since 1999 – we have helped people in Sweden compare loans for more than 25 years.

Compare through Zmarta

Personal loan

Let us be your compass in the jungle called loans.

Car loan

Hunting the perfect car? Borrow with a lower interest rate.

Consolidate loans

Consolidate your loans into one and lower your monthly costs.

Senast uppdaterad: 14 oktober 2026