Kreddy review

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

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Our verdict

Kreddy sits well for Swedish borrowers who want a fee-free personal loan or consolidation loan and can wait for cash after signing. It charges 0 SEK, no start- or avia fee and lends SEK 10,000 to SEK 800,000 over 12 to 180, with a variable rate of 4.95% to 23%.

Key facts

Best for
Borrowers in Sweden who want no arrangement fee and free early repayment.
APR
4.95% to 23% (Source, checked September 26, 2026)
Loan amount
SEK 10,000 to SEK 800,000 (Source, checked September 26, 2026)
Term
12 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0 SEK, no start- or avia fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
2-5 business days after the signed loan agreement is returned (Source, checked September 26, 2026)
Representative example
Annuitetslån 12 år, effective annual rate 6.17%, loan of 200 000 SEK costs 1 952 SEK per month (144 instalments), total 281 047 SEK (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
Minst 18 ar, folkbokförd och skriven i Sverige minst ett ar (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
Lendo AB (org.nr 556515-1627) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
kreddy.se

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • No arrangement fee: 0 SEK, no start- or avia fee with a fee percentage of 0%
  • Free early repayment, so you can settle the loan early without a charge
  • Both personal and debt consolidation loans are available, with a rate of 4.95% to 23%
  • The operator is Lendo AB, a broker listed with Finansinspektionen in Sweden

Cons

  • The rate is variable, so the cost of the loan can move
  • Funding takes 2-5 business days after the signed loan agreement is returned
  • The credit check is hard, which means an application leaves a full search mark
Kreddy

Ready to try Kreddy?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Adults registered in Sweden who have lived there for a minimum period
  • People consolidating several smaller debts into one loan
  • Borrowers who value a fee-free setup over quick funding

Who should look elsewhere

  • Readers who need money in the account the same day
  • Anyone whose income is variable and who prefers a fixed rate, where Monzo Flex is a fixed-rate comparison point

The company behind it

Kreddy is the consumer-facing brand of Lendo AB (org.nr 556515-1627), a Swedish broker rather than a direct lender, and its head office is in Sweden. That matters for how a loan reaches you: the broker matches an application to lenders rather than lending from its own balance sheet. Support runs through email, phone and help centre, so help is available by email, by phone and in the help centre. The operating company appears in the Finansinspektionen register in Sweden, which is the Swedish financial regulator.

How Kreddy compares

Where Kreddy is available

Available
Sweden
Licence in Sweden
Finansinspektionen (556515-1627), checked September 26, 2026

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

Frequently asked questions

What does it cost to take a loan through Kreddy?+

There is no arrangement charge. The fee is 0 SEK, no start- or avia fee and the fee percentage is 0%, so the cost of the loan is built into the interest rate rather than a separate bill. Early repayment is also free, so you can clear the balance early without penalty.

How much can I borrow and for how long?+

Loan amounts run SEK 10,000 to SEK 800,000 and terms run 12 to 180. That range covers both a smaller top-up and a larger consolidation loan. The rate on offer is 4.95% to 23%.

Is the interest rate fixed or variable?+

The rate type is variable, so the interest is variable and the cost of the loan can move over the term. Borrowers who need a predictable monthly payment should weigh that carefully before applying.

How long does it take to receive the money?+

Funding time is 2-5 business days after the signed loan agreement is returned. The clock starts once the signed loan agreement comes back, so the wait depends on how quickly you return the paperwork.

Does applying affect my credit file?+

The credit check is hard, which means a full search. It is worth checking your own details first, because a hard search stays visible to lenders for a period after the application.

Who runs Kreddy and where?+

The service is operated by Lendo AB (org.nr 556515-1627), which is a broker based in Sweden. As a broker it works through lenders rather than lending directly, and it is listed with Finansinspektionen in Sweden.

Can I use it to pay off other debts?+

Yes. Debt consolidation is one of the loan types on offer alongside personal loans, so existing balances can be gathered into one repayment. The same 4.95% to 23% range and 12 to 180 term range apply.

Who can apply?+

Eligibility is Minst 18 ar, folkbokförd och skriven i Sverige minst ett ar. In plain terms you need to be an adult, registered in Sweden, and to have lived there for a minimum period.

How do I get help with the loan?+

Support runs on email, phone and help centre, covering email, phone and a help centre. A broker model means questions can also come up about which lender ends up funding the application, so it helps to have your agreement details to hand when you call.

Sources

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

Kreddy

Kreddy

Borrowers in Sweden who want no arrangement fee and free early repayment.

8.9/10See alternatives

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