AXO Finans review

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

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Our verdict

A Swedish broker for borrowers who want a personal loan or debt consolidation without choosing a lender first. AXO Finans passes the application to several lenders, and money can sit in your account the same day, with loan amounts of SEK 5,000 to SEK 800,000 available from the panel.

Key facts

Best for
Swedes with a stable income who want same-day personal loan or debt consolidation money.
APR
4.59% to 57.26% (Source, checked September 26, 2026)
Loan amount
SEK 5,000 to SEK 800,000 (Source, checked September 26, 2026)
Term
12 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0-495 SEK arrangement fee (invoice fee 0-50 SEK) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day: paid directly to your account by the lender after BankID signing (Source, checked September 26, 2026)
Representative example
Privatlån 150 000 SEK over 120 months at variable nominal 6.95% (effective 7.18%): 1 738 SEK/month, 208 532 SEK total, no arrangement fee (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Lenders set their own age minimum, require registration as resident in Sweden and stable income from work, pension or benefit (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Axo Finans AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
axofinans.se

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Money can arrive the same day, paid directly into your account after you sign with BankID.
  • Early repayment is free, so clearing the balance ahead of schedule adds no fee.
  • It is a broker rather than a lender, so offers come from several lenders on the panel.

Cons

  • The credit check is hard, so every application is judged on the full credit file.
  • The rate type is variable, so the cost of the loan can move during the term.
  • An arrangement fee sits at the top of fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK), so a loan here is not always fee free.
AXO Finans

Ready to try AXO Finans?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Borrowers registered as residents in Sweden with a stable income from work, a pension or a benefit.
  • Anyone after a personal loan or debt consolidation, including home improvement borrowing.
  • People who want the money in their own account the same day and can sign with BankID.

Who should look elsewhere

  • Monzo Flex, whose APR of 10% to 23% covers a narrower band than 4.59% to 57.26% here.
  • Cashspace, whose listed APR of PHP 12 to PHP 36 is quoted in another currency and a different range.

Safety and regulation

A loan here is arranged through a partner lender rather than by AXO Finans itself, so the contract is with that lender. The representative example shown is a personal loan over a long term at a variable nominal rate, with a set monthly cost and no arrangement fee in that case. Finansinspektionen is the Swedish regulator that supervises this credit market.

Who runs it

The service runs from Axo Finans AB, registered in Sweden and operating since 2008. The lenders it introduces set their own eligibility and pricing, which is why the terms on this listing differ from one offer to the next. Questions are handled on email, phone and help centre, giving email, phone and a help centre.

How AXO Finans compares

Where AXO Finans is available

Available
Norway, Sweden
Licence in Sweden
Finansinspektionen, checked September 26, 2026

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

Frequently asked questions

What fees does AXO Finans charge?+

A loan arranged through AXO Finans carries fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK), depending on which lender you are matched with. The representative example on the personal loan page shows a loan with no arrangement fee, so the fee is a lender choice rather than a flat brand charge. Get the fee in writing from the lender before you sign.

What rate will I pay?+

The APR depends on the lender and on your own profile, and the range shown is 4.59% to 57.26%. The rate type is variable, so the interest is not locked for the whole term. Lenders set their own pricing, so the number you are offered can sit anywhere inside that range.

How much can I borrow and for how long?+

Loan amounts are SEK 5,000 to SEK 800,000 and the term is 12 to 180. Both are set by the lenders on the panel rather than by the broker, so what you are offered depends on your income and your credit file. Debt consolidation is offered alongside personal loans.

How fast do I get the money?+

The feature list for AXO Finans includes same day funding, and the lender pays the money straight into your account the same day once you have signed with BankID. The payment comes from the lender rather than from the broker, so keep an eye on your own account for the transfer.

Will there be a credit check on my application?+

Yes, the credit check is hard, so lenders review your credit file in full before deciding. That also means rates quoted before an application are indicative only, and it is worth checking your file before you apply so you know what the lenders will see.

Who am I actually borrowing from?+

AXO Finans is a broker, so a lender on the panel is the party you sign with, not the brand. The company behind the service is Axo Finans AB, registered in Sweden and operating since 2008. Finansinspektionen is the Swedish regulator for this credit market.

Who is eligible to apply?+

Each lender sets its own age minimum, and you must be registered as resident in Sweden with stable income from work, pension or benefit. The service covers personal loans and debt consolidation, and home improvement is listed among the uses, so a renovation can be funded here.

Can I repay the loan early?+

Early repayment is free here, so clearing the balance early adds no fee. That matters on the longer terms in the range of 12 to 180, where a variable rate can move over time. Repaying early shortens the loan and cuts the total interest you pay.

Sources

  • axofinans.se checked September 26, 2026

    Backs: Credit check, Lender type, Loan types, Support channels, Use cases

    “Vanliga frågor ... Telefon: 0771 323400, E-post: kundservice@axofinans.se”

  • axofinans.se/lana-pengar checked September 26, 2026

    Backs: Features, Funding time

  • axofinans.se/om-oss checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “Axo Group grundades i Norge 2008”

  • axofinans.se/priser checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Arrangement fee, Rate type, Term

    “Lånebelopp, minimum 5 000 kr; Lånebelopp, maximalt 800 000 kr (privatlån)”

  • axofinans.se/privatlan checked September 26, 2026

    Backs: Eligibility, Representative example

  • fi.se/sv/vara-register/foretagsregistret/details checked September 26, 2026

    Backs: Licences

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

AXO Finans

AXO Finans

Swedes with a stable income who want same-day personal loan or debt consolidation money.

9.0/10See alternatives

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