Banky Loan
Banky offers guarantor loans, particularly suitable for borrowers with low creditworthiness who cannot obtain loans on their own. These loans require a guarantor and come without a credit check with UC, making them attractive to individuals with poor ratings there.
About Banky Loan
Banky Loan offers amounts between 20,000 and 150,000 SEK with a term from 4 to 12 years. The interest rate is 28.75%, and there are no setup fees. Therefore, the loans are generally more expensive than many personal loans but can be an option when other forms of loans are not available.
Advantages of Banky Loan
Loan terms
Loan amount: Up to 150000 kr
Duration: 2 - 12 years
Interest: 32% - 32.96%
Eff. interest: 33.83% - 33.83%
Age: 18 - 70 years
First loan free: No
Payment remarks accepted: Yes
Setup fee: 0 kr
Administration fee: 0 kr
Invoicing fee: 0 kr
Direct payment: No
Weekend payment: No
Revolving credit: No
Minimum required annual income: 100000 kr
Representative example
* Monthly cost approximately. Calculation example: Annuity loan 12 years, effective annual interest rate 33.83%. A loan of 150,000 SEK then costs 3,803 SEK/month (144 installments), totaling 547,632 SEK. No setup fee / invoice fees. 29.5% nominal interest rate. Variable interest rate. Banky collaborates with Nordiska Kreditmarknadsaktiebolaget. Updated 2024-01-08.
This is a high-cost credit. If you cannot repay the entire debt, you risk a negative credit record. For support, contact your municipality’s debt advice.
Banky interest rates and fees
Here is how Banky compares with other lenders in the comparison.
interest rates
fees
This comparison was made with långivare med en maximal effektiv ränta under 2000%.
The lenders compared with Banky had interest rates from 2.95% to 44% and effective interest rates from 4.04% to 983.6% and setup fees from 0 kr to 995 kr, administration fees from 0 kr to 375 kr, invoicing fees from 0 kr to 60 kr, and total fees from 0 kr to 1024 kr.