Anyfin review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Anyfin is the pick for Swedish borrowers who want a large loan at a low entry cost and can live with a variable rate. It lends direct, offers personal, debt consolidation, credit line and car loans, and its APR runs 5.48% to 21.82% with an arrangement fee of 0 SEK (no arrangement/setup fee).

Key facts

Best for
Large Swedish borrowing at a low entry cost, with free early repayment.
APR
5.48% to 21.82% (Source, checked September 26, 2026)
Loan amount
SEK 300,000 to SEK 500,000 (Source, checked September 26, 2026)
Term
1 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 SEK (no arrangement/setup fee) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
1-3 business days for the refinance transfer (no cash payout) (Source, checked September 26, 2026)
Representative example
43 000 SEK at 13.65% nominal (variable) over 60 months, 60 instalments of 993 SEK, effective rate 14.54%, total 59 565 SEK (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18+ and registered resident in Sweden; income from work, parental leave, pension or sickness benefit; at most one payment remark and none in the last 12 months; no active debt balance at Kronofogden (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Car (Source, checked September 26, 2026)
Legal entity
Anyfin AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Official website
anyfin.com

Apps and profiles

Elsewhere
WikidataTrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • Lends as a direct lender, so you deal with one lender across personal, debt consolidation, credit line and car loans.
  • Free early repayment, so a consolidation loan can be cleared early without an exit charge.
  • Support runs on email, chat and phone, so help is available by phone, chat, email and a help centre.

Cons

  • The application runs a hard credit check, so a thin credit file blocks an application.
  • The rate is variable, so the monthly repayment can move during the term.
  • Funding time for a refinance transfer runs over business days and the money goes to creditors rather than out in cash.
Anyfin

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Swedish residents with steady income from work, a pension, parental leave or a sickness benefit who want a personal or debt consolidation loan.
  • Borrowers who would rather hand a consolidation straight to their creditors and clear the balance early.
  • Anyone buying a car or funding a large project and comfortable dealing with a direct lender.

Who should look elsewhere

  • Monzo Flex, if its listed APR of 10% to 23% suits your budget better than the 5.48% to 21.82% here.
  • Cashspace, whose listed APR of PHP 12 to PHP 36 sits in a different market from the Swedish 5.48% to 21.82% here.
  • Cashspace ES, whose listed APR of 0% is not in the same band as the 5.48% to 21.82% on offer here.

Safety and regulation

Anyfin AB is supervised by Finansinspektionen, the Swedish Financial Supervisory Authority, and it lends as a direct lender, so the lender you repay is the lender you apply to. Its representative example is a variable instalment loan in which the effective rate sits above the nominal rate and the total repaid comes out higher than the amount borrowed. Rate moves are the main thing to watch.

How Anyfin compares

Where Anyfin is available

Available
Finland, Germany, Norway, Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does an Anyfin loan cost to set up?+

There is no separate arrangement or setup charge on the personal loan: the fee is 0 SEK (no arrangement/setup fee). What you pay instead is interest, and the APR is set on your own profile, with the range running 5.48% to 21.82%. The rate itself is variable, so it can change over the life of the loan.

Who can borrow from Anyfin?+

Applicants must be adults registered as residents in Sweden, with income from work, parental leave, a pension or a sickness benefit. Payment remarks are tolerated in small number, with none from a recent period, and there must be no active debt balance at Kronofogden. The application runs a hard credit check.

Is Anyfin regulated?+

Anyfin AB is supervised by Finansinspektionen, the Swedish Financial Supervisory Authority, and it lends as a direct lender, so the lender you repay is the lender you apply to. The business was founded in 2017. Its representative example is a variable instalment loan where the effective rate sits above the nominal rate.

What can I use an Anyfin loan for?+

The range covers personal, debt consolidation and credit line borrowing, so a personal loan, a debt consolidation loan, a credit line and a car loan all come from the same lender. Loan amounts run SEK 300,000 to SEK 500,000 and terms run 1 to 120, which suits both a small top up and a large project.

How long does it take to get the money?+

For a refinance transfer the money moves across within a short business-day window instead of being paid out in cash, so a consolidation loan goes straight to the creditors you list. A hard credit check is part of the application, so the decision comes before the transfer begins. Free early repayment is on, so you can clear the balance early at no extra cost.

How do I get help from Anyfin?+

Support runs on email, chat and phone, so you can pick the channel that suits you rather than being held to one. A help centre covers the routine questions, and chat and email are there for anything more involved.

What will I actually repay on an Anyfin loan?+

The representative example is a variable rate loan repaid in monthly instalments, and in it the effective rate sits above the nominal rate while the total repaid comes out higher than the amount borrowed. Because the rate is variable, that total can move during the term, which is why the 5.48% to 21.82% you are offered matters more than the headline.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Anyfin

Anyfin

Large Swedish borrowing at a low entry cost, with free early repayment.

9.1/10See alternatives

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