Arcadia Finans review

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

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Our verdict

Arcadia Finans suits Swedish borrowers who want a large personal loan without a fee to set it up. It works as a broker, so the lender sets the final price, and every application runs a hard credit check before you are accepted.

Key facts

Best for
A large Swedish personal loan with a long term and no fee to set up.
APR
4.95% to 23% (Source, checked September 26, 2026)
Loan amount
SEK 5,000 to SEK 800,000 (Source, checked September 26, 2026)
Term
12 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 SEK setup/administrative fee (upplaggnings-/aviavgift) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Payout by the lender, normally within 1-2 bank days (Source, checked September 26, 2026)
Representative example
Privatlån (annuity loan) of 250 000 SEK over 15 years, nominal rate 6.94%, effective rate 7.18%, 0 SEK setup fee, total 402 965 SEK, 2 239 SEK per month over 180 payments (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
At least 18 years old, registered resident in Sweden (folkbokförd i Sverige) and regular income; no active debt balance at Kronofogden; co-applicant allowed (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Draivi Media Oy (org.nr FI24645516) (Source, checked September 26, 2026)
Headquarters
Finland (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Official website
arcadiafinans.se

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • The arrangement fee is 0 SEK setup/administrative fee (upplaggnings-/aviavgift) on the personal loan offer, and the same offer covers personal, debt consolidation and car loans.
  • Loan amounts of SEK 5,000 to SEK 800,000 over terms of 12 to 240 cover large jobs, and home improvement is the stated use.
  • A co-applicant can apply with you, which helps when household income on its own is thin.
  • Money reaches you with Payout by the lender, normally within 1-2 bank days.

Cons

  • Support runs on email and help centre only, so questions are handled in writing or through the help centre.
  • The rate type is variable, so the monthly payment can move after you sign.
  • At the top of 4.95% to 23% the cost climbs well past the 12% typical across the site.
Arcadia Finans

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults registered as residents in Sweden with regular income and no active debt balance at Kronofogden.
  • Borrowers funding home improvement who want a long term and no charge at the start.
  • Households applying together, since a co-applicant is allowed.

Who should look elsewhere

  • Borrowers who want a lender rather than a broker should compare Monzo Flex, whose rates run 10% to 23%.
  • Anyone weighing a different market should look at Cashspace, which lists rates of PHP 12 to PHP 36.

The company behind it

Arcadia Finans is provided by Draivi Media Oy (org.nr FI24645516), which is registered in Finland. Applications are passed to a lender, so the contract and the monthly cost come from that lender rather than from the site. Support runs on email and help centre, which covers written help and a help centre.

How Arcadia Finans compares

Where Arcadia Finans is available

Available
Denmark, Finland, 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 it cost to take a loan through Arcadia Finans?+

The arrangement fee is 0 SEK setup/administrative fee (upplaggnings-/aviavgift) on the personal loan offer, so nothing is charged to open the loan. Interest is set by the lender you are matched with and rates run 4.95% to 23%. A representative annuity example is published, showing the monthly cost and the total repaid.

Is Arcadia Finans regulated?+

The service is licensed in Sweden, where the regulator is Finansinspektionen, the Swedish Financial Supervisory Authority. The licence belongs to Draivi Media Oy (org.nr FI24645516), registered in Finland, and your contract is with the lender that receives the application rather than with the site.

Why is the rate different for each borrower?+

Arcadia Finans is a broker, so the lender sets the price after reviewing the application. Rates run 4.95% to 23% and the rate type is variable, so the monthly cost can change after you sign. The published annuity example shows the effective rate next to the monthly payment.

What credit check do I need to pass?+

Arcadia Finans runs a hard credit check, which means the decision is made on your full credit file. Across the personal loans listed here, 76.5% use the same kind of check, so this approach is common in the Swedish market.

How quickly does the money arrive?+

The money is sent by the lender that approves you, and payout is normally with Payout by the lender, normally within 1-2 bank days. Timing follows the lender's payout run and your bank's processing, so a request made late in the day can slip to the following working day.

Who can apply for a loan?+

You must be an adult registered as a resident in Sweden, have regular income, and carry no active debt balance at Kronofogden, the state debt collection agency. A co-applicant is allowed, which helps when household income on its own would not support the amount.

What can I use the loan for, and how much can I borrow?+

Arcadia Finans offers personal, debt consolidation and car loans, and home improvement is the stated use for the personal loan. Loan amounts run SEK 5,000 to SEK 800,000 and terms run 12 to 240, so a large renovation or a car purchase can be financed over a long term.

How can I get help with my application?+

Support runs on email and help centre, so questions are handled in writing and through a help centre. A separate contact page takes email enquiries, and the help centre covers application steps, repayment and eligibility questions.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Arcadia Finans

Arcadia Finans

A large Swedish personal loan with a long term and no fee to set up.

8.8/10See alternatives

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