Sambla review

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

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Our verdict

Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.

Key facts

Best for
Free lender comparison for a personal or secured loan taken out in Sweden.
APR
7.92% to 13.24% (Source, checked September 26, 2026)
Loan amount
SEK 5,000 to SEK 800,000 (Source, checked September 26, 2026)
Arrangement fee
0 SEK - free to apply and compare, lender pays Sambla (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Usually 1-3 days from signing to payout (Source, checked September 26, 2026)
Representative example
160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Secured (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Sambla Group AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)
Official website
sambla.se

Apps and profiles

Elsewhere
TrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
  • Timing from signing to payout is Usually 1-3 days from signing to payout.
  • Support runs on email, phone and help centre.
  • Loan sizes of SEK 5,000 to SEK 800,000 stretch from a small repair to a full project.

Cons

  • The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
  • Pricing is variable, so a monthly amount set today can move after signing.
  • Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
Sambla

Ready to try Sambla?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • People with fair credit who want personal, consolidation, car and secured offers side by side.
  • Home improvement projects, which Sambla names as a use case: home improvement.
  • Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.

Who should look elsewhere

  • Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
  • Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
  • Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.

The company behind it

Sambla is run by Sambla Group AB, a Swedish group based in Sweden, and it has been putting borrowers in touch with lenders since 2014. It works as a broker rather than a lender, so the credit decision and the loan itself sit with the bank you are introduced to. Questions before and after an application run through email, phone and help centre.

How Sambla compares

Where Sambla is available

Available
Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority) - tillstand som kreditmarknadsbolag enligt lagen om bank- och finansieringsrorelse, beviljat 8 juni 2026, checked September 26, 2026

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

Frequently asked questions

What does it cost to apply through Sambla?+

Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.

Who can apply for a loan through Sambla?+

Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.

How long does the money take to arrive?+

Timing from signing to payout is Usually 1-3 days from signing to payout, so the gap between agreeing terms and money reaching the account is counted in days rather than weeks. Because the rate is variable, the amount released is the one the lender confirms at the point of signing.

Is Sambla a lender, and who regulates it?+

Sambla is a broker, which means lenders set both the price and the credit decision rather than the broker. It holds a Finansinspektionen permit as a credit market company under the Swedish bank and financing activities act, and that licence covers the broking side of the service.

How much can I borrow and for what?+

Loan sizes run SEK 5,000 to SEK 800,000, and Sambla lists personal, debt consolidation, car and secured lending from the same application, with home improvement as the named use case. A borrower needing the top of that range uses the same free comparison as someone borrowing far less.

Does Sambla run a credit check?+

Sambla runs a hard credit check, so a lender sees your full credit file during the process, and the credit level it needs is fair. That is stricter than a soft pre-qualification, which covers 20.4% of the offers listed on the site.

How do I get help once I have applied?+

Help runs on email, phone and help centre, so a question about an application can go to a person rather than a form. Sambla Group AB is the legal entity behind the service, and those are the channels that belong to it.

What will a Sambla loan cost me month to month?+

Sambla's representative example sets a monthly payment next to the credit cost and the total repaid, which makes the whole cost visible before you sign. The rate behind those figures is variable, so treat the payment as an estimate that can move rather than a fixed commitment.

Sources

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

Not confirmed yet: Term.

Sambla

Sambla

Free lender comparison for a personal or secured loan taken out in Sweden.

8.9/10See alternatives

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