Brixo Privatlån review

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

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Our verdict

Brixo Privatlån suits Swedish adults with a steady income who want a straightforward personal loan for home improvement, with money often landing the same day it is approved. The cost of that speed is real: an APR of 19.95% on a variable rate sits well above many personal loans here.

Key facts

Best for
Swedish borrowers with a steady income who need a straightforward personal loan or want to consolidate debts.
APR
19.95% (Source, checked September 26, 2026)
Loan amount
SEK 10,000 to SEK 200,000 (Source, checked September 26, 2026)
Term
36 to 90 months (Source, checked September 26, 2026)
Arrangement fee
475 SEK setup fee plus 25 SEK monthly administration fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day the application is approved, by Swish or bank transfer, at latest the next banking day (Source, checked September 26, 2026)
Representative example
Example loan 100 000 SEK repaid with 2 185 SEK per month over 90 months, effective annual rate 22.6 %, total cost 96 650 SEK, total to repay 196 650 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
Over 21 years old, annual income of at least 200 000 SEK, Swedish bank account and BankID, registered in Sweden, no current debt enforcement debts (payment remarks accepted) (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Brixo AB (org.nr. 556978-9273) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
brixo.se

Apps and profiles

Elsewhere
WikidataTrustpilotLinkedIn

Pros and cons

Pros

  • Same day funding once an application is approved, by Swish or bank transfer, and free early repayment on the loan.
  • Borrowing runs SEK 10,000 to SEK 200,000 over a term of 36 to 90, with personal and debt consolidation loans listed.
  • A hard credit check and a fair credit profile are what the lender asks for, so approval is decided on a real credit file.
  • Support reaches you by phone, email and a help centre, and Brixo AB (org.nr. 556978-9273) is the company behind the loan.

Cons

  • An APR of 19.95% on a variable rate is high next to cheaper personal loans on the site.
  • A setup fee plus a monthly administration fee in 475 SEK setup fee plus 25 SEK monthly administration fee adds a fixed cost on top of the interest.
  • The minimum term of 36 to 90 rules out short borrowing, so extra interest compounds for longer.
Brixo Privatlån

Ready to try Brixo Privatlån?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults registered in Sweden with a Swedish bank account and BankID, and a high enough annual income for the lender's criteria
  • Borrowers who already have payment remarks but no current debt enforcement debts, and want that treated as workable
  • People planning a home improvement project who value same day funding and free early repayment over the lowest rate

Who should look elsewhere

  • Anyone hunting for the cheapest borrowing, since 19.95% is well above the site median of 12%
  • Borrowers who need a fixed rate, because this loan runs on a variable rate
  • Anyone who cannot meet the income requirement, or who needs a loan below SEK 10,000 to SEK 200,000

How your money is protected

Brixo AB lends to you directly rather than passing you on to a third party, so the agreement runs between you and the lender. The representative example is stark reading: an effective annual rate above the headline figure once the effect of repayments is added in. Cover for a loan of this size is worth reading carefully in the terms, because the protection that applies to savings and deposits is not the same thing as cover for an unsecured loan.

The company behind it

The lender is Brixo AB, registered in Sweden as Brixo AB (org.nr. 556978-9273), and it was founded in 2014. It is a direct lender offering personal and debt consolidation loans, with home improvement named as the main use. If a question comes up, support runs on email, phone and help centre, so a phone call is the quickest route rather than waiting on email.

How Brixo Privatlån compares

Where Brixo Privatlån is available

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

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

Frequently asked questions

What rate do I pay on a Brixo personal loan?+

The stated rate is an APR of 19.95%, and the interest rate is variable, so it can move. The representative example shows a higher effective annual rate than the headline figure once the schedule of repayments is taken into account.

What fees sit on top of the interest?+

There is a setup fee and a monthly administration fee, together listed as 475 SEK setup fee plus 25 SEK monthly administration fee. On a short loan those fixed charges weigh heavily, so ask for the total cost before you sign.

How much can I borrow and for how long?+

Borrowing runs SEK 10,000 to SEK 200,000 with a term of 36 to 90. Because the shortest term runs over the longest, a small loan repaid over the full term can cost a large share of the amount borrowed in interest.

How fast do I get the money?+

Funding arrives the same day your application is approved, by Swish or bank transfer, and at the latest the next banking day. Same day funding is the feature most people apply here for.

What credit do I need to qualify?+

The lender runs a hard credit check, and the profile it looks for is fair. You also need a minimum age, a high enough annual income, a Swedish bank account with BankID, and registration in Sweden.

Will payment remarks stop me from applying?+

Payment remarks on their own are accepted. What disqualifies you is a current debt enforcement debt, so an old remark is a different situation from an active enforcement.

Can I repay the loan early without charge?+

Early repayment is free, so paying the loan off sooner than agreed costs nothing extra. That matters here because the rate is variable and the interest can rise.

Who do I deal with after I apply?+

You deal with Brixo AB, the Swedish lender behind the loan, rather than a broker. Questions go through email, phone and help centre, which includes phone and email alongside a help centre.

Sources

  • brixo.se checked September 26, 2026

    Backs: Credit check, Features, Funding time, Support channels

    “Ingen UC. Kreditupplysning från Dun & Bradstreet. Besked inom 24 h.”

  • brixo.se/lana-pengar/lan-utan-uc/lan-med-creditsafe checked September 26, 2026

    Backs: Credit needed, Eligibility

    “Betalningsanmärkningar accepteras”

  • brixo.se/om-brixo checked September 26, 2026

    Backs: Founded, Loan types, Licences

  • brixo.se/privatlan/vara-villkor checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Headquarters, Legal entity, Lender type, Arrangement fee, Rate type, Representative example, Term

    “Beviljat kreditbelopp (10 000 kr - 200 000 kr)”

  • brixo.se/sidkarta checked September 26, 2026

    Backs: Use cases

    “Renoveringslån”

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

Brixo Privatlån

Brixo Privatlån

Swedish borrowers with a steady income who need a straightforward personal loan or want to consolidate debts.

9.0/10See alternatives

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