Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

AXO Finans review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

AXO Finans is a Swedish loan broker for borrowers who want one application across many lenders and same-day payout. It suits people with a stable income who accept a hard credit check, and its offer score of 5 sits close to the market average.

Key facts

Best for
Swedes with stable income comparing personal loans through one application.
APR
4.59% to 57.26%↗
Loan amount
SEK 5,000 to SEK 800,000↗
Term
12 to 180 months↗
Arrangement fee
0-495 SEK arrangement fee (invoice fee 0-50 SEK)↗
Credit check
Hard↗
Funding time
Same day: paid directly to your account by the lender after BankID signing↗
Representative example
Privatlån 150 000 SEK over 120 months at variable nominal 6.95% (effective 7.18%): 1 738 SEK/month, 208 532 SEK total, no arrangement fee↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Lenders set their own age minimum, require registration as resident in Sweden and stable income from work, pension or benefit↗
Loan types
Personal, Debt-consolidation↗
Use cases
Home-improvement↗
Legal entity
Axo Finans AB↗
Headquarters
Sweden↗
Founded
2008↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
axofinans.se

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • One application reaches multiple lenders, since the site is a broker, with SEK 5,000 to SEK 800,000 available
  • Same-day funding: the lender pays you directly after BankID signing
  • Free early repayment, so clearing a loan early costs nothing extra
  • Personal loans and debt consolidation for home improvement

Cons

  • The credit check is hard, which can affect other borrowing
  • Rates are variable, so payments can move over the term
  • An arrangement fee of 0-495 SEK arrangement fee (invoice fee 0-50 SEK) may sit on top of the interest
AXO Finans

Ready to try AXO Finans?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Borrowers with stable income from work, pension or benefit who are registered in Sweden
  • People who want to compare lenders rather than deal with a single bank
  • Homeowners or renovators borrowing for home improvement

Who should look elsewhere

  • Anyone unwilling to take a hard credit check
  • Borrowers who want a fixed rate, since rates here are variable
  • People who need money outside Sweden

How AXO Finans compares

Where AXO Finans is available

Available
Norway, Sweden
Licence in Sweden
Finansinspektionen, checked September 26, 2026

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

Frequently asked questions

What is the smallest and largest loan I can get?+

Amounts run SEK 5,000 to SEK 800,000, so the broker covers both small and large requests. You pick the amount you want and the site routes it to lenders willing to lend. Eligibility depends on each lender's own rules rather than a single threshold.

What rate will I pay?+

The APR runs 4.59% to 57.26%, depending on the lender you are matched with and your credit profile. Rates are variable, which means your payments can move as market rates shift. The example shown assumes a variable nominal rate, so the figure is not guaranteed.

What fees will I pay?+

Expect fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK), which covers the arrangement fee and the invoice fee. Because the site is a broker, the exact charge comes from the lender who approves you. Compare that figure against the interest saved by a shorter term.

How quickly will the money arrive?+

Funding is same day: the lender pays the money straight into your account once you sign with BankID. This applies to personal loans approved through the site. The transfer happens after the lender signs you off, not automatically.

Does a credit check affect me?+

The check is hard, which is standard for lenders in this market and matches most rivals. A hard search is recorded on your credit file, so a second application soon after can hurt. Ask the lender before applying if you are unsure.

Can I pay a loan off early?+

Yes, early repayment is free, so clearing the balance costs nothing extra. That makes a variable rate easier to live with if you plan to overpay. Lenders on the site also cover personal loans and debt consolidation.

Is the site regulated?+

The site operates in Sweden, where the regulator is Finansinspektionen. AXO Finans works as a broker, so the loan contract itself is with the lender that approves you, not with the broker. Check which lender you end up with before signing.

Sources

  • axofinans.se checked September 26, 2026

    Backs: Credit check, Lender type, Loan types, Support channels, Use cases

    “Vanliga frågor ... Telefon: 0771 323400, E-post: kundservice@axofinans.se”

  • axofinans.se/lana-pengar checked September 26, 2026

    Backs: Features, Funding time

  • axofinans.se/om-oss checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “Axo Group grundades i Norge 2008”

  • axofinans.se/priser checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Arrangement fee, Rate type, Term

    “Lånebelopp, minimum 5 000 kr; Lånebelopp, maximalt 800 000 kr (privatlån)”

  • axofinans.se/privatlan checked September 26, 2026

    Backs: Eligibility, Representative example

  • fi.se/sv/vara-register/foretagsregistret/details checked September 26, 2026

    Backs: Licences

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

AXO Finans

AXO Finans

Swedes with stable income comparing personal loans through one application.

9.1/10See alternatives