Updated October 16, 2026 · BorrowCue Editorial Team
Abhi vs Sambla
What sets them apart
| Compare |  Abhi |  Sambla |
|---|---|---|
| APR | 0%Lower | 7.92% to 13.24% |
| Arrangement fee | 0 PKR subscription fee; PKR 150 collection agency fee | 0 SEK - free to apply and compare, lender pays Sambla |
| Funding time | Instant, about 30 seconds | Usually 1-3 days from signing to payout |
| Lender type | Direct lender | Broker |
| Eligibility | Currently employed employees with a valid up to date NADRA-issued CNIC, e-mail address and mobile telephone number | 18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Loan types | Cash advance, Personal, Credit line, Secured, Business, BNPL | Personal, Debt consolidation, Car, Secured |
| Loan amount | Not confirmed | SEK 5,000 to SEK 800,000 |
| Term | 1 to 4 months | Not confirmed |
| Representative example | Not confirmed | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| Rate type | Not confirmed | Variable |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Abhi scores higher overall: 9.0 vs 8.9.
- Founded is lower at Sambla: 2014 vs 2021.
- APR is lower at Abhi: 0% vs 7.92% to 13.24%.
- Support channels: only Sambla offers Help centre, Chat.
- Loan types: only Abhi offers Cash advance, Credit line, Business.
- Loan types: only Sambla offers Debt consolidation, Car.
Our verdict on each
Abhi
Abhi presents salary access, payroll and business finance services.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | Abhi | Sambla |
|---|---|---|
| Cost | 9.9Higher | 9.1 |
| Offer | 8.3 | 9.4HigherThe offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 8.7Higher | 8.4 |
Where they rank in our lists
| Ranking | Abhi | Sambla |
|---|---|---|
| Personal loans | 646 of 1920 | 844 of 1920 |
| Secured loans | 178 of 473 | 256 of 473 |
Feature by feature
| Loan types | Abhi | Sambla |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | No | Yes |
| Business | Yes | No |
| Cash advance | Yes | No |
| BNPL | Yes | No |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% for Abhi and 7.92% to 13.24% for Sambla.
FINANZCHECK.de reviewWhere these facts come from
Abhi
- abhi.com.pk: 13 facts, checked September 26, 2026
Sambla
- sambla.se: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Abhi | Sambla |
|---|---|---|
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | ABHI (PRIVATE) LIMITED | Sambla Group AB |
| Headquarters | Pakistan | Sweden |
| Founded | 2021 | 2014Lower |
| Support channels | Email, Phone | Email, Phone, Help centre, ChatCovers more |
Where each stands against the rest
| Fact | Abhi | Sambla | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 7.92% to 13.24%below the median | 8.99% |
| Loan amount | Not confirmed | SEK 5,000 to SEK 800,000above the median | SEK 500,000 |
| Term | 1 to 4 monthslowest quarter | Not confirmed | 60 |
Median across 1152 listed lenders.
Pros and cons
Abhi
Pros
- The captured source states the provider or product information summarized here.
Cons
- The captured statement does not establish eligibility or loan terms.
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
Who each suits
Abhi
Who it suits
- Readers looking for the limited background stated in the captured source.
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
Country by country
| Country | Abhi | Sambla |
|---|---|---|
| Pakistan | Yes | No |
| Sweden | No | Yes |
Questions about each
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.
How long does the money take to arrive?+
Timing from signing to payout is Usually 1-3 days from signing to payout, so the gap between agreeing terms and money reaching the account is counted in days rather than weeks. Because the rate is variable, the amount released is the one the lender confirms at the point of signing.
Is Sambla a lender, and who regulates it?+
Sambla is a broker, which means lenders set both the price and the credit decision rather than the broker. It holds a Finansinspektionen permit as a credit market company under the Swedish bank and financing activities act, and that licence covers the broking side of the service.