Fairlo review

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

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Our verdict

Fairlo is a Swedish broker credit line for borrowers with a steady income who want to draw money only when they need it. Costs sit high: the representative rate is 28.18%, and the borrowing window runs to 72 months. Worth it for flexibility, poor value on total cost.

Key facts

Best for
A flexible Swedish credit line for a steady income, drawn only when you need it.
APR
28.18% (Source, checked September 26, 2026)
Loan amount
SEK 3,000 to SEK 70,000 (Source, checked September 26, 2026)
Term
72 months (Source, checked September 26, 2026)
Arrangement fee
588 SEK (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Real-time, usually within minutes, 24/7 (Source, checked September 26, 2026)
Representative example
Credit line 40,000 SEK, nominal variable rate 22%, term 72 months, monthly payment 1,064 SEK, effective rate 28.18%, total to repay 77,199 SEK, 59 SEK monthly fee and 588 SEK setup fee included (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
Swedish personal identity number, at least 20 years old, registered Swedish address, mobile BankID, annual income at least 120,000 SEK, Swedish bank account, no active debt balance at the Swedish Enforcement Agency (Kronofogden), no enforcement attempts in the last three years, no debt restructuring (Source, checked September 26, 2026)
Loan types
Credit-line, Payday (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Fairlo AB (org nr 559084-1101) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
fairlo.se

Apps and profiles

Elsewhere
TrustpilotLinkedIn

Pros and cons

Pros

  • Money moves fast, with funding listed as Real-time, usually within minutes, 24/7.
  • Early repayment costs nothing extra, so a good month can clear the balance.
  • A SEK 3,000 to SEK 70,000 line for larger needs, with help on email, chat and phone.
  • The credit bar sits at fair, so a perfect record is not required.

Cons

  • The effective rate of 28.18% is above the site median of 12%, and cost is the weak point here.
  • The rate is variable, so the monthly figure can move and there is no fixed amount to budget around.
  • Applications run a hard credit check, which is recorded on your file.
Fairlo

Ready to try Fairlo?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Sweden with a registered address, a Swedish bank account, mobile BankID and no active debt balance or recent enforcement attempts.
  • Anyone with irregular expenses who wants one limit to reuse rather than repeated short loans.
  • People who need money quickly and want to reach the team on email, chat and phone.

Who should look elsewhere

  • Anyone chasing the lowest rate, since Andacredito advertises 0% to 36%.
  • Borrowers after a small short-term sum, since Cashspace lists PHP 12 to PHP 36.
  • Readers who want a predictable monthly figure, because Creditilia ES spans 4% to 289% and can land either side of 28.18%.

Where it sits among rivals

On loan amount Fairlo ranks 470 of 685 brands, and on the annual percentage rate it sits 279 of 350. The term is where it stands out, at 52 of 232. Its rate of 28.18% compares with a site median of 12% and a payday median of 36.5%.

Safety and regulation

Fairlo is a broker, broker, so the money comes from another provider rather than from Fairlo. The representative example is a credit line on a variable nominal rate over a long term, and it already includes a monthly fee and a setup fee. Read that example as the full picture of what you would repay.

How Fairlo compares

Where Fairlo is available

Available
Sweden

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

Frequently asked questions

What rate do I pay on a Fairlo credit line?+

The representative example shows an effective rate of 28.18%, and the rate type is variable. Because it is variable, payments can move up or down with the base rate, so the figure you see at the start is a guide rather than a fixed promise for the whole term.

What does it cost to open the account?+

There is a setup fee of 588 SEK when the credit line starts, and the published example also carries a monthly fee inside each repayment. Both are already included in the effective rate of 28.18%, so the headline figure covers more than interest alone.

How much can I borrow, and for how long?+

The line runs from SEK 3,000 to SEK 70,000, and the example term is 72 months. A long window keeps the monthly payment smaller, but the same balance is then outstanding for longer, so the total you repay adds up. Draw what you need and clear it early.

How quickly does the money arrive?+

Funding is Real-time, usually within minutes, 24/7, so a decision and a transfer can land while you are still reading the confirmation. That speed suits anyone covering an urgent bill, though it is no reason to skip the rate before you accept.

What credit check will I go through?+

The application uses a hard credit check, and the account is aimed at a fair credit profile. A hard search is recorded on your file, so read your report first, especially if other applications are still open.

Can I repay early without paying extra?+

Yes, early repayment costs nothing extra, so the SEK 3,000 to SEK 70,000 limit behaves more like a revolving balance than a fixed loan. That makes it a good fit if your income swings, and you can clear the debt in a good month rather than waiting out the full term.

Who can apply for a Fairlo account?+

Fairlo operates in Sweden, SE, and lends to adults with a Swedish personal identity number, a registered Swedish address, mobile BankID, a Swedish bank account and no active debt balance or recent enforcement attempts. A minimum annual income is also required, and anyone in debt restructuring is turned away.

Sources

  • fairlo.se checked September 26, 2026

    Backs: Features, Headquarters

  • fairlo.se/about-fairlo checked September 26, 2026

    Backs: Loan amount, Arrangement fee

    “Uppläggningsavgift 588 kr”

  • fairlo.se/contact checked September 26, 2026

    Backs: Support channels

  • fairlo.se/kontokredit checked September 26, 2026

    Backs: Eligibility, Free early repayment, Funding time

    “Svenskt personnummer, Minst 20 år gammal, Svensk folkbokföringsadress, Mobilt BankID, Årsinkomst minst 120 000 kr/år, Inget aktivt skuldsaldo hos Kronofogden”

  • fairlo.se/rakneexempel-kontokredit checked September 26, 2026

    Backs: APR, Rate type, Representative example, Term

    “Nominell rörlig ränta: 22 procent per år”

  • fairlo.se/snabblan checked September 26, 2026

    Backs: Credit check, Credit needed, Loan types

  • fairlo.se/terms-and-conditions checked September 26, 2026

    Backs: Legal entity, Lender type

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Fairlo

Fairlo

A flexible Swedish credit line for a steady income, drawn only when you need it.

8.8/10See alternatives

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