Lendo review

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

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Our verdict

Lendo suits Swedish borrowers who want one application compared across lenders for personal, consolidation, car and business loans. It works as a broker rather than the lender, and with an origination fee of 0 SEK the personal loan rate runs 4.95% to 23% on a variable basis.

Key facts

Best for
Borrowers in Sweden who want several lenders compared from one application, with no start fee.
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 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
2-5 working days after the signed loan note reaches the lender (Source, checked September 26, 2026)
Representative example
Annuitetslan 12 ar, effektiv arsranta 6,17%: 200 000 SEK costs 1 952 SEK/month (144 payments), 281 047 SEK in total, no start/avi fee (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, folkbokford och skriven i Sverige minst ett ar, fast inkomst fran arbete eller pension, arsinkomst minst 120 000 kr, skuldfri fran kronofogden i minst 6 manader (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Business (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Lendo AB (org. nr 556515-1627) (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
lendo.se

Mortgages

Initial rate
3.09% (Source, checked September 26, 2026)
Fixed period
0.25 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
SEK 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Lendo AB (org. nr 556515-1627) (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataTrustpilotfacebook.com

Pros and cons

Pros

  • The origination fee is 0 SEK and the bolan product fee is SEK 0.
  • One application covers personal, debt consolidation and car.
  • Early repayment is free, so paying off sooner adds nothing.
  • Bolan start at an initial rate of 3.09% with 90% loan to value.

Cons

  • Lending runs through a broker (broker), so the rate depends on the lender that answers.
  • The personal loan rate type is variable (variable), so payments follow the market.
  • Funding takes a few working days after the signed loan note reaches the lender.
Lendo

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults registered in Sweden with fixed income from work or pension.
  • Borrowers consolidating debts into one payment on a 4.95% to 23% rate.
  • Homeowners buying, remortgaging or releasing equity up to 90%.

Who should look elsewhere

  • Borrowers who need money the same day, since funding waits on the signed note reaching the lender.
  • Anyone with recent enforcement agency entries, which the eligibility rules rule out.
  • Borrowers wanting a fixed rate on an unsecured loan, as the personal rate is variable.

Safety and regulation

Lendo is a broker (broker), so your application goes out to lenders and the contract is with the one that answers. Eligibility asks for a minimum age, registration in Sweden, fixed income from work or pension, and a waiting period since any enforcement agency entry. The representative example is an annuity loan at an effective annual rate, with a monthly payment, a total repaid and no start fee. The Swedish regulator is Finansinspektionen.

Who runs it

The company is Lendo AB (org. nr 556515-1627), headquartered in no, and it has run since 2007. Support runs on email, phone and help centre, so you can ring, email or use the help centre. The same brand covers unsecured loans and the bolan, with Finansinspektionen named in the Swedish licence.

How Lendo compares

Where Lendo is available

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

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

Frequently asked questions

What does a Lendo personal loan cost?+

The origination fee is 0 SEK and the rate runs 4.95% to 23%. The representative example is an annuity loan at an effective annual rate, with a monthly payment, a total repaid and no start fee, so the cost is interest over the term.

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

Amounts run SEK 10,000 to SEK 800,000 and terms run 12 to 180, repaid as annuity payments. Home improvement is a listed use, alongside personal, consolidation, car and business loans, so one application covers several needs. The credit file the lender looks for is fair (fair).

Is Lendo a lender or a broker?+

Lendo is a broker (broker), so it compares lenders rather than lending the money itself. Your application goes out and the agreement is with whichever lender offers, so the approval and the rate both depend on that lender's terms.

Who regulates Lendo in Sweden?+

The Swedish regulator is Finansinspektionen, named in the Swedish licence. The operating company is Lendo AB (org. nr 556515-1627), headquartered in no, and it has run since 2007. The contract you sign is with the lender, as the broker only introduces them.

How long does Lendo take to pay out?+

Funding takes a few working days after the signed loan note reaches the lender, so the clock starts when the paperwork is complete rather than on approval. If you need money the same day, that timing is the main drawback. Support on email, phone and help centre can confirm the schedule.

Can I repay a Lendo loan early?+

Early repayment is free, so clearing the balance sooner costs nothing beyond the interest already paid. The rate type on the personal loan is variable (variable), which matters if you plan to finish ahead of the term.

What credit check does Lendo use?+

The credit check is hard (hard) and the credit needed is fair (fair), so an application leaves a mark on the file and the bar is a fair profile. Eligibility also asks for a minimum age, registration in Sweden, fixed income and a waiting period since any enforcement agency entry.

Does Lendo offer mortgages as well as personal loans?+

It does, through the bolan side, covering purchase, remortgage, first time buyer and home equity purposes. The initial rate is 3.09% with 90% loan to value and a fixed period of 0.25, and the product fee there is SEK 0.

Sources

  • lendo.se checked September 26, 2026

    Backs: Credit check, Credit needed, Free early repayment, Legal entity, Loan types, Support channels, Licences

    “(c) 2026 Lendo AB / Org. nr: 556515-1627 / Vastra Jarnvagsgatan 21, 111 64 Stockholm”

  • lendo.se/bolan checked September 26, 2026

    Backs: Maximum loan to value, Product fee, Purpose

  • lendo.se/bolan/bolanerantor checked September 26, 2026

    Backs: Fixed period, Initial rate

    “Landshypotek bolån ... 3,09% ... 3 mån (lowest listed mortgage rate, Landshypotek bolån, 3-month list rate)”

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

    Backs: Founded, Headquarters

  • lendo.se/privatlan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Lender type, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Rantespann mellan: 4,95%-23%.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Lendo

Lendo

Borrowers in Sweden who want several lenders compared from one application, with no start fee.

9.0/10See alternatives

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