COOP Kreditkort review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 28, 2026

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Our verdict

COOP Kreditkort suits adults living in Sweden with established residency history who want direct borrowing for personal use, consolidation, car purchase or home improvement. Amounts are SEK 15,000 to SEK 600,000 with APR at 5.2% to 16.95% and terms at 24 to 144, with funding completed within 1-2 business days for eligible applicants.

Key facts

Best for
Direct personal borrowing in Sweden for planned spending and consolidation
APR
5.2% to 16.95% (Source, checked September 28, 2026)
Loan amount
SEK 15,000 to SEK 600,000 (Source, checked September 28, 2026)
Term
24 to 144 months (Source, checked September 28, 2026)
Arrangement fee
0 kr (Source, checked September 28, 2026)
Funding time
1-2 business days (Source, checked September 28, 2026)
Representative example
SEK 60,000 over 5 years at 9.00% floating, effective 9.38% for Privatlan (Source, checked September 28, 2026)
Rate type
Variable (Source, checked September 28, 2026)
Lender type
Direct lender (Source, checked September 28, 2026)
Eligibility
Age 20+, Swedish residency 3 years (Source, checked September 28, 2026)
Origination fee (%)
0% (Source, checked September 28, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 28, 2026)
Use cases
Home-improvement (Source, checked September 28, 2026)
Legal entity
MedMera Bank AB (Source, checked September 28, 2026)
Headquarters
Sweden (Source, checked September 28, 2026)
Support channels
Phone, Help-centre (Source, checked September 28, 2026)
Official website
coop.se

Apps and profiles

Elsewhere
Wikidata

Pros and cons

Pros

  • APR at 5.2% to 16.95% with origination fee at 0 kr for clear upfront costs
  • Loan amounts at SEK 15,000 to SEK 600,000 with terms at 24 to 144 for flexible planning
  • Covers personal, debt consolidation and car plus home improvement through direct lending at direct lender

Cons

  • Rate structure is variable, so your monthly cost can move during the term
  • Support runs on phone and help centre only, which limits contact options
  • Funding takes 1-2 business days, which is slower than same day options
COOP Kreditkort

Ready to try COOP Kreditkort?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Adults in Sweden seeking personal, car or home improvement borrowing at SEK 15,000 to SEK 600,000
  • Borrowers who want to consolidate existing balances with terms at 24 to 144
  • Applicants comfortable with variable pricing at 5.2% to 16.95% from a direct lender

Who should look elsewhere

  • If you want fixed monthly pricing, AXI Card Tarjeta y Credito lists APR at 21.59% which may suit comparison
  • If you want email or chat contact, Ibancar Prestamos may suit better than support limited to phone and help centre

How COOP Kreditkort compares

Where COOP Kreditkort is available

Available
Sweden
Licence in Sweden
Finansinspektionen, checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What amounts and repayment terms are available?+

Amounts are SEK 15,000 to SEK 600,000 with repayment terms at 24 to 144. You can match the amount and term to your budget before you apply, while remembering that the rate stays variable across the life of the loan.

What does borrowing cost including fees?+

APR is at 5.2% to 16.95% and the origination fee is at 0 kr. The origination charge is free, so your main cost to compare is the variable APR applied to your approved amount and term.

Who can apply for this loan?+

Applicants must meet eligibility at Age 20+, Swedish residency 3 years. You should be an adult with established Swedish residency history before you start an application, as this shapes approval and identity checks.

Is this a direct lender or a broker?+

This is direct lending shown by direct lender, offered by MedMera Bank AB. You borrow directly from the lender rather than through a broker or marketplace, which keeps responsibility for decisions and servicing in one place.

How quickly will you receive the funds?+

Funding is completed within 1-2 business days after approval. You should allow time for checks and payout processing, especially if you need funds for a car purchase or home improvement booking.

What can you use the loan for?+

Covered purposes include loan types at personal, debt consolidation and car plus use cases at home improvement. You can use the loan for personal spending, consolidation, car purchase or home improvement, subject to approval and affordability.

How can you get help with your loan?+

Support is provided through phone and help centre. You can call for help or use the help centre for guidance on applications, payments and account queries during the loan term.

Sources

  • medmerabank.se checked September 28, 2026

    Backs: Legal entity

    “MedMera Bank AB, 171 88 Solna”

  • medmerabank.se/kundservice checked September 28, 2026

    Backs: Support channels

    “Ring 010-682 22 70 and Vanliga fragor och svar”

  • medmerabank.se/lana/privatlan checked September 28, 2026

    Backs: Eligibility, Funding time, Loan types, Rate type, Representative example, Term, Use cases

    “Samtliga sokande ar minst 20 ar and folkbokford i Sverige de senaste tre aren for Privatlan”

  • medmerabank.se/om-medmera-bank checked September 28, 2026

    Backs: Headquarters, Lender type, Licences

  • medmerabank.se/priser-villkor-blanketter checked September 28, 2026

    Backs: Loan amount, APR, Arrangement fee, Origination fee (%)

    “Lanebelopp 15 000 - 600 000 kr for Privatlan”

Compiled from 5 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: Credit check.

COOP Kreditkort

COOP Kreditkort

Direct personal borrowing in Sweden for planned spending and consolidation

9.3/10See alternatives

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