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Arcadia Finans review

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

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Our verdict

Arcadia Finans is a Swedish loan broker for adults registered in Sweden who are funding a renovation or a consolidation. With an arrangement fee of 0 SEK setup/administrative fee (upplaggnings-/aviavgift) and an APR of 4.95% to 23%, it suits borrowers who can take on a hard credit check and a variable rate.

Key facts

Best for
A fee-free Swedish personal loan for home improvement, for registered adults with regular income.
APR
4.95% to 23%↗
Loan amount
SEK 5,000 to SEK 800,000↗
Term
12 to 240 months↗
Arrangement fee
0 SEK setup/administrative fee (upplaggnings-/aviavgift)↗
Credit check
Hard↗
Funding time
Payout by the lender, normally within 1-2 bank days↗
Representative example
Privatlån (annuity loan) of 250 000 SEK over 15 years, nominal rate 6.94%, effective rate 7.18%, 0 SEK setup fee, total 402 965 SEK, 2 239 SEK per month over 180 payments↗
Rate type
Variable↗
Lender type
Broker↗
Eligibility
At least 18 years old, registered resident in Sweden (folkbokförd i Sverige) and regular income; no active debt balance at Kronofogden; co-applicant allowed↗
Loan types
Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Legal entity
Draivi Media Oy (org.nr FI24645516)↗
Headquarters
Finland↗
Support channels
Email, Help-centre↗
Official website
arcadiafinans.se

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • The arrangement fee is 0 SEK setup/administrative fee (upplaggnings-/aviavgift), so nothing is added to the loan at the start.
  • The APR of 4.95% to 23% opens below the market median of 15.5%.
  • Loan amounts of SEK 5,000 to SEK 800,000 and terms of 12 to 240 cover a small repair or a large project.
  • Home improvement is the named use, listed as home improvement, and a co-applicant can apply alongside you.

Cons

  • The rate is variable, so the monthly instalment can move when market rates change.
  • Applications run a hard credit check, listed as hard, which is a full assessment rather than a soft pre-qualification.
  • Support runs on email and help centre only, so help is written rather than spoken.
Arcadia Finans

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults registered in Sweden with a regular income and no active debt balance at Kronofogden.
  • Borrowers planning home improvement who want no setup charge on the loan.
  • Applicants comfortable with a full credit check and a rate that can shift.

Who should look elsewhere

  • Borrowers who want a rate set in advance: the rate here is variable, and Sofkredit's listed APR of 10.74% to 18.06% is worth weighing as a second quote.
  • Anyone wanting to borrow in a currency other than krona: Cashspace's APR is quoted as PHP 12 to PHP 36.
  • Borrowers who want to borrow in euros: Creduma ES works from a minimum of from €12,000.

The company behind it

Arcadia Finans is presented by Draivi Media Oy (org.nr FI24645516), which is based in Finland, while the loans are written for Swedish borrowers. The same company handles the site and the terms, and support runs on email and help centre, so questions are answered in writing and through the help centre rather than over the phone.

How Arcadia Finans compares

Where Arcadia Finans is available

Available
Denmark, Finland, Norway, Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026

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

Frequently asked questions

What does it cost to take out a loan with Arcadia Finans?+

The setup and administrative charge is 0 SEK setup/administrative fee (upplaggnings-/aviavgift), so nothing is added to the first instalment for the arrangement itself. Interest is the main cost: the APR is 4.95% to 23% and the rate is variable, which means the figure can follow the market.

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

Loan amounts run SEK 5,000 to SEK 800,000 and terms run 12 to 240, so a small repair and a full renovation can sit on the same application. Longer terms spread the monthly instalment, and home improvement is the named purpose for the money.

Is my money protected, and who supervises this service?+

Arcadia Finans is supervised in Sweden by Finansinspektionen, the Swedish Financial Supervisory Authority, and the credit decision plus the payout both belong to the lender rather than to the broker. You are dealing with a Finnish company presenting a Swedish loan service.

What credit check will the application involve?+

The application runs a hard credit check, listed as hard, so applying is a full credit assessment. You need to be an adult registered resident in Sweden with regular income, and an active debt balance at Kronofogden rules you out, though a co-applicant is allowed.

How long does it take to receive the money?+

The lender makes the payout and the usual pace is Payout by the lender, normally within 1-2 bank days. Because Arcadia Finans is a broker, the application is matched to a lender first, so the timeline runs through that lender's own process rather than a single decision made on the site.

Am I applying to a lender or to a broker?+

Arcadia Finans is a broker, listed as broker, so it introduces you to a lender rather than lending its own money. The rate you are offered, the credit decision and the payout all come from the lender that is matched to you.

What can I use the loan for?+

The named use is home improvement, so the money is pitched at home projects rather than at day to day spending. Arcadia Finans also arranges debt consolidation and car loans, and the amount you take can sit anywhere in the published range.

Sources

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

Arcadia Finans

Arcadia Finans

A fee-free Swedish personal loan for home improvement, for registered adults with regular income.

8.9/10See alternatives