Klara Lån is a loan broker specializing in mediating SMS loans, also known as quick loans. Klara Lån differentiates itself from many other players by offering a comparison service for loans without UC, allowing customers to obtain loans despite previous credit checks.
Advantages and Disadvantages
Klara Lån is considered a good player with several advantages such as a high approval rate and fast payout. Their services are particularly suitable for people with low to medium creditworthiness who wish to borrow smaller amounts quickly.
A disadvantage of using Klara Lån is that they have fewer partners compared to other larger loan
brokers. They also do not offer some of the cheapest options such as Northmill and Fairlo.
Loan Terms
Klara Lån offers loans between 2,000 - 150,000 SEK with an interest rate ranging from 6.48% to 39.5%. Their repayment period extends between 1 and 8 years, and they do not charge a setup fee.
Direct Payment During Evenings and Weekends
One of the strong points of Klara Lån is their ability to make direct payments during evenings and weekends. Several of their partners can make quick payments to bank accounts with all major banks as well as Danske Bank, enabling customers to access their loan almost immediately after approval.
Customer Service
Klara Lån's customer service is available via live chat and email and is open weekdays between 09:00-18:00 and Saturdays and Sundays between 10:00-17:00. However, there is no option to contact them by phone.
Considerations Before Applying
Before applying through Klara Lån, you should consider your own creditworthiness and financial needs. If you have high creditworthiness or are looking for a loan at a very low interest rate, other lenders or loan types such as personal loans may be more suitable for you.
Overall, Klara Lån is a reliable broker of quick loans with a strong position for individuals with limited credit care, who need to borrow money quickly and efficiently.
Loan terms
Loan amount:2000 - 50000 kr
Duration:1 - 96 months
Interest:6.84% - 39.5%
Eff. interest:8.57% - 289%
Age:18 - 80 years
First loan free:No
Payment remarks accepted:Yes
Setup fee:0 kr
Administration fee:0 kr
Invoicing fee:0 kr
Direct payment:Yes
Weekend payment:Yes
Revolving credit:No
Minimum required annual income:100000 kr
Representative example
Example: The interest rate is variable and set individually. A loan of 30,000 SEK at a nominal interest rate of 26.05 percent with a repayment period of 24 months, with 24 installments of 1,617 SEK and 0 SEK in setup/administrative fees results in an effective interest rate of 29.4 percent. The total amount to be repaid is 38,808 SEK.
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.
Vald långivare Klara finns inte i databasen.
Klara Lån review
This is a way to provide a quick overview of loans, focusing on factors important for quick loans. The ratings do not guarantee that a loan is the best option for you – they only reflect how the loan performs compared to others.
