Zmarta review

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

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Our verdict

Zmarta suits Swedish borrowers who want a single application to reach partner banks for a personal or consolidation loan, and it also places home loans. Borrowing runs to SEK 800,000, the worked example term is 60 months, and home loans reach a 90% loan to value.

Key facts

Best for
A single Swedish application covering personal, consolidation and home loans.
APR
7.22% (Source, checked September 26, 2026)
Loan amount
SEK 800,000 (Source, checked September 26, 2026)
Term
60 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
1-4 days after signing the loan agreement (Source, checked September 26, 2026)
Representative example
Loan of 225 000 SEK, nominal interest 6.99%, 5 year term, effective rate 7.22% (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
Over 18 years old, annual income of at least 100 000 SEK, no unpaid debts with the Swedish Enforcement Authority (applications with records of non-payment accepted by some partner banks) (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Zmarta AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
zmarta.se

Mortgages

Initial rate
2.58% (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 (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Zmarta AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
TrustpilotLinkedIn

Pros and cons

Pros

  • Early repayment is free, so overtime or a bonus can clear the balance early.
  • The lender type is broker, so one application reaches several partner banks.
  • A fixed rate model on the home loan side, with an initial rate of 2.58%.
  • Home loans carry a SEK 0 product fee, so the secured side adds nothing to the cost.

Cons

  • A hard credit check runs on applications, and eligibility bars applicants with unpaid debts at the Swedish Enforcement Authority, save for some partner banks.
  • Payout waits 1-4 days after signing the loan agreement after the agreement is signed, so urgent bills need a different plan.
  • Support runs on phone, email and help centre only, with no live chat among the listed channels.
Zmarta

Ready to try Zmarta?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Adults in Sweden with a steady income and no unpaid debts held by the Swedish Enforcement Authority, since eligibility is checked up front.
  • People consolidating existing debts, as personal and debt consolidation covers personal and consolidation lending.
  • Homeowners funding renovations, the home improvement use case listed for the unsecured loan.

Who should look elsewhere

  • Readers who need money sooner, since Zmarta pays out 1-4 days after signing the loan agreement after signing and can be lined up against Monzo Flex at 10% to 23%.
  • Cost-first borrowers, who should set Zmarta's 7.22% against Cashspace ES at 0% and Cashspace at PHP 12 to PHP 36.

How Zmarta compares

Where Zmarta 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 rate will I pay on a Zmarta personal loan?+

The listed rate is an APR of 7.22%. The worked example pairs that effective rate with a nominal rate a little lower, so the figure to compare on is the effective one. Across the site the median APR sits at 12%, which places Zmarta below the middle of the field.

Does Zmarta charge arrangement or product fees?+

On personal loans the origination fee is 0 SEK and the percentage fee is 0%, so borrowing carries no upfront charge. On the mortgage side the product fee is listed as SEK 0. Early repayment is free too, so overpaying is not penalised.

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

The maximum loan amount is SEK 800,000, which covers both personal and consolidation lending. The worked example uses a term of 60 months, so the typical shape is a mid term instalment loan. Home loans sit under a 90% loan to value cap.

Who qualifies to apply?+

Applicants must be adults with an annual income at a set minimum level and no unpaid debts held by the Swedish Enforcement Authority. The credit check is hard, so a decision rests on the full file. Some partner banks do accept applicants with a record of non-payment.

Who is behind Zmarta, and who regulates it?+

The service runs through Zmarta AB, a company based in Sweden that is supervised by Finansinspektionen. It acts as a broker, so the credit agreement is with a partner bank rather than with the site. Check which bank is matched to you before signing.

How quickly do I get the money?+

Funding arrives 1-4 days after signing the loan agreement after the loan agreement is signed, which makes this a planned application rather than an emergency stopgap. The rest of the process sits with the partner banks, so leave room around that payout window if a payment date is fixed.

Which kinds of loan does Zmarta arrange?+

The lending covers personal and debt consolidation, and the home loan side covers purchase and remortgage. Renovation work is the named use case for the unsecured loan, listed as home improvement. The same application can handle a consolidation loan now and a purchase or switch later.

How is the home loan priced?+

The fixed period runs 0.25 years at an initial rate of 2.58%, and the listed rate type is variable. That is a short fixed window, so the rate is revisited sooner than on longer fixed deals and the variable part matters to the total.

Can I repay early, and how do I get help?+

Early repayment is free, so the balance can be cleared when income allows without a charge. Support runs on phone, email and help centre, which covers phone, email and a help centre, with no live chat in the listed options. That suits borrowers who prefer to deal with a person.

Sources

  • zmarta.se/avtal/bolan checked September 26, 2026

    Backs: Product fee

  • zmarta.se/avtal/privatlan checked September 26, 2026

    Backs: Legal entity, Arrangement fee, Origination fee (%), Support channels, Licences

  • zmarta.se/bolan checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value, Purpose

    “Snittrantor september 2026. 3 man”

  • zmarta.se/en checked September 26, 2026

    Backs: Credit check

    “Only one credit report from UC”

  • zmarta.se/en/loans/personal checked September 26, 2026

    Backs: Eligibility, Funding time, Loan types, Use cases

    “You are over 18 years old. You have an annual income of at least 100 000 SEK ... You do not have any unpaid debts with the Swedish Enforcement Authority.”

  • zmarta.se checked September 26, 2026

    Backs: Loan amount, APR, Founded, Free early repayment, Headquarters, Lender type, Pricing model, Rate type, Representative example, Term

    “Zmarta AB, Norra Stationsgatan 69, 113 64 Stockholm”

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

Zmarta

Zmarta

A single Swedish application covering personal, consolidation and home loans.

9.2/10See alternatives

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