Ekomni Smart review

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

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Our verdict

Ekomni Smart is a Swedish direct lender for borrowers with a poor credit history who need money quickly, lending up to SEK 5,000. The trade-off is the term: 3 to 5, a hard credit check, and a fee taken off the granted amount before it reaches you.

Key facts

Best for
A small personal or payday loan in Sweden for borrowers with payment remarks, funded Same day or next business day.
Loan amount
SEK 5,000 (Source, checked September 26, 2026)
Term
3 to 5 months (Source, checked September 26, 2026)
Arrangement fee
499 SEK, deducted from the granted credit amount (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Same day or next business day (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
At least 20 years old, registered in Sweden with a Swedish personal number for 3 months, monthly gross income of at least 15 000 SEK, Swedish bank account and BankID, at most four payment remarks and none in the last 3 months (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Ekomni AB (559373-1515) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
ekomni.se

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Ekomni AB is a direct lender holding a Finansinspektionen licence, number 68790, so the contract sits with the named company.
  • Borrowing runs to SEK 5,000, and early repayment costs nothing.
  • The credit needed is poor, so a file carrying payment remarks can still apply.
  • Support runs on email, phone and help centre, covering phone, email and a help centre.

Cons

  • Terms run only 3 to 5, short against the site norm of 36 for personal loans.
  • A fee of 499 SEK, deducted from the granted credit amount is deducted from the granted credit amount, so the money that lands is less than the amount granted.
  • The credit check is hard rather than a soft prequalification, and the eligibility conditions are strict: a Swedish personal number for a waiting period, a Swedish bank account with BankID, a monthly gross income threshold, and payment remarks capped with none in the last months.
Ekomni Smart

Ready to try Ekomni Smart?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults registered in Sweden who have held a Swedish personal number for the required period, hold a Swedish bank account with BankID, and earn above the stated monthly gross income threshold.
  • Borrowers with payment remarks who accept a hard credit check and want a small fixed rate sum from the lender itself.
  • Anyone who can clear the balance within 3 to 5 and would rather repay early at no cost.

Who should look elsewhere

  • Not Monzo Flex, whose range of £10,000 to £35,000 suits larger UK borrowing than the SEK 5,000 offered here.
  • Not Cashspace ES, whose range of €100 to €5,000 is aimed at euro borrowers rather than Swedish ones.
  • Not Cashspace, whose range of PHP 500 to PHP 25,000 targets peso borrowers in another market.

How Ekomni Smart compares

Where Ekomni Smart is available

Available
Sweden
Licence in Sweden
Finansinspektionen (68790), checked September 26, 2026

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

Frequently asked questions

How much can I borrow and what does it cost?+

Ekomni Smart lends up to SEK 5,000, and the fee is 499 SEK, deducted from the granted credit amount, taken out of the amount granted rather than billed afterwards. The practical effect is that the cash arriving in your account is lower than the credit that was agreed, so allow for that shortfall before you commit to spending.

What rate and term will I get?+

The rate type is fixed and the model is fixed rate, so the cost of the loan does not drift with the market. Terms run 3 to 5, which is short beside the site norm of 36 for personal loans, so check the monthly figure carefully.

How quickly is the money paid out?+

Funding time is Same day or next business day, and same day funding is listed among the features of the loan. Eligibility also requires a Swedish bank account, so the money goes to an account you already hold rather than to a prepaid card.

Will a credit check be run on me?+

The credit check is hard, the most demanding kind rather than a soft prequalification, and a declined application is recorded. The credit needed is poor, so the bar is set for people with a thinner credit history.

Who runs the lender and is it regulated?+

The lender behind the brand is Ekomni AB, a Swedish direct lender rather than an intermediary, and it holds a Finansinspektionen licence, number 68790. You deal with that named company directly, so the terms, the fee and the repayments are all agreed with one counterparty.

Can I repay the loan early?+

Early repayment is free, with no extra charge for closing the loan before the end of the term. Because the rate is fixed for the whole period, settling early simply removes the interest still to run. Terms are 3 to 5, so plan the repayments to match the schedule.

What kinds of loan can I take out?+

The loan types listed are personal and payday, so the same application covers a planned purchase or a short bridge to payday. Both sit on a fixed rate model, and the size on offer runs to SEK 5,000.

What do I need in order to qualify?+

Eligibility asks for adults registered in Sweden who have held a Swedish personal number for a waiting period, plus a Swedish bank account, BankID, a monthly gross income above a stated threshold, and payment remarks capped with none in the last months. The credit needed is poor, so a few remarks are tolerated.

Sources

  • ekomni.se checked September 26, 2026

    Backs: Loan amount, Credit needed, Pricing model, Rate type, Term

    “With Ekomni Smart you can borrow up to 5 000 between 3 to 5 months depending on what suits you and your finances best”

  • ekomni.se/kundtjanst/fragor-och-svar checked September 26, 2026

    Backs: Credit check, Features, Free early repayment, Funding time, Support channels

    “Ekomni uses only Creditsafe when we take credit information for credit applications.”

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

    Backs: Lender type, Loan types, Licences

    “Ekomni AB (559373-1515) is a consumer credit institution registered with Finansinspektionen (institution number: 68790) with permission to conduct consumer lending”

  • ekomni.se/villkor/allmanna-villkor checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Arrangement fee

    “Registered in Sweden and with a Swedish personal number for 3 months; at least 20 years old; monthly gross income of at least 15 000 SEK; Swedish bank account in own name and BankID; no more than...”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Ekomni Smart

Ekomni Smart

A small personal or payday loan in Sweden for borrowers with payment remarks, funded Same day or next business day.

9.1/10See alternatives

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