Extralånet review

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

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Our verdict

Extralånet suits Swedish borrowers with a steady income who want a fixed-rate personal or consolidation loan without setup fees. The catch is cost: 22.79% is high, and SEK 10,000 to SEK 50,000 means the money only suits larger one-off needs rather than small top-ups.

Key facts

Best for
A larger fixed-rate loan in Sweden with no arrangement fee.
APR
22.79% (Source, checked September 26, 2026)
Loan amount
SEK 10,000 to SEK 50,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 SEK (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Paid out on approval, in the account within 1-2 bank days (Source, checked September 26, 2026)
Representative example
Annuity loan with 20.71% nominal annual interest and 22.79% effective annual interest (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
Aged 20-65, Swedish personal identity number and address registered in Sweden, income of at least 15000 SEK per month after tax declared in Sweden for at least 3 months, no current debt balance with the Enforcement Agency, mobile BankID (Source, checked September 26, 2026)
Loan types
Debt-consolidation, Personal (Source, checked September 26, 2026)
Legal entity
Catalunia Capital AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Help-centre, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
extralanet.se

Pros and cons

Pros

  • No arrangement fee on a personal or debt consolidation loan, at 0 SEK
  • Free early repayment, so you can clear the balance sooner without extra cost
  • Paid out on approval, Paid out on approval, in the account within 1-2 bank days
  • Fixed rate on fixed rate terms, so monthly payments stay steady

Cons

  • 22.79% is steep next to the 12% median across the site
  • A hard credit check, which lands on your credit file
  • Borrowing is limited to SEK 10,000 to SEK 50,000, and terms run 12 to 120
Extralånet

Ready to try Extralånet?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults in Sweden with a declared monthly income and mobile BankID
  • Anyone consolidating several debts into one fixed monthly payment
  • Borrowers who can clear the balance early without a repayment charge

Who should look elsewhere

  • Monzo Flex, if you want to sit near the 10% to 23% band instead
  • Cashspace, if its PHP 12 to PHP 36 pricing is a better fit
  • Anyone with an active debt balance registered at the Enforcement Agency

How it compares on our data

On loan amount, Extralånet sits at 326 of 685 brands tracked, with SEK 10,000 to SEK 50,000 on offer. On APR it ranks 258 of 350, and its 22.79% sits above the 12% median for the site. The rate itself is fixed, matching the 100% pattern common in this group, and the hard check is the 72.7% type most lenders here use.

The company behind it

Extralånet is issued by Catalunia Capital AB, which is based in Sweden and has been lending since 2009. It is a direct lender rather than a broker, so you deal with one company from application to repayment. Support runs on email, help centre and phone, covering phone, email and a help centre for questions before and during the loan.

How Extralånet compares

Where Extralånet is available

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

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

Frequently asked questions

What does Extralånet charge to set up a loan?+

The arrangement fee is 0 SEK, so there is no setup cost added to the loan. The rate is fixed under fixed rate terms. Early repayment is also free, which means clearing part of the balance carries no extra charge.

How much can I borrow and over what period?+

Loan amounts run SEK 10,000 to SEK 50,000, and terms last 12 to 120. Both personal loans and debt consolidation are offered, so the same range applies whether you want cash or a single payment to clear other debts.

What rate will I pay?+

The rate is fixed, and the representative example is an annuity loan with 22.79% as the effective annual interest. That is above the 12% median across the site, so the cost of borrowing here is the main thing to weigh.

How long does the money take to arrive?+

Payout happens on approval, and Paid out on approval, in the account within 1-2 bank days. So the wait is measured in bank days rather than weeks, provided your application is approved.

What credit check does Extralånet use?+

It runs a hard credit check, which is the 72.7% type. That is the most common approach in this group, but it does mean applying can leave a trace on your credit file.

Who can apply?+

Applicants need to be adults with a Swedish personal identity number and a registered address in Sweden, plus declared income in the country and mobile BankID. The lending entity is Catalunia Capital AB, supervised in Sweden.

Can I repay the loan early?+

Free early repayment is available, so you can reduce the balance whenever you can afford it. Combined with the 0 SEK arrangement fee, there is no setup or exit charge to offset the interest you pay.

How does Extralånet compare with other lenders on cost?+

On our data it ranks 258 of 350 brands on APR, against a site median of 12%. Monzo Flex, for example, prices at 10% to 23%, a lower band than the 22.79% here.

Sources

  • extralanet.se checked September 26, 2026

    Backs: Headquarters, Loan types, Pricing model, Representative example

    “Catalunia Capital AB Box 5347 102 47 Stockholm”

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

    Backs: Loan amount, Credit check, Legal entity, Lender type, Term

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

    Backs: Founded

  • extralanet.se/pris checked September 26, 2026

    Backs: APR, Free early repayment, Arrangement fee, Rate type

    “fast nominell ränta på 20,71% per år (22,79% effektiv ränta)”

  • extralanet.se/vanliga-fragor checked September 26, 2026

    Backs: Eligibility, Funding time, Support channels

  • fi.se checked September 26, 2026

    Backs: Licences

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

Extralånet

Extralånet

A larger fixed-rate loan in Sweden with no arrangement fee.

9.0/10See alternatives

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