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COOP Kreditkort review

Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 28, 2026

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Our verdict

COOP Kreditkort suits residents in Sweden seeking a direct lender loan of direct lender for home improvement, car use or debt consolidation. Loans of SEK 15,000 to SEK 600,000 carry variable APR of 5.2% to 16.95% over 24 to 144 with funding in 1-2 business days and setup fees of 0 kr.

Key facts

Best for
Swedish residents planning larger home improvement or car borrowing with flexible timing
APR
5.2% to 16.95%↗
Loan amount
SEK 15,000 to SEK 600,000↗
Term
24 to 144 months↗
Arrangement fee
0 kr↗
Funding time
1-2 business days↗
Representative example
SEK 60,000 over 5 years at 9.00% floating, effective 9.38% for Privatlan↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Age 20+, Swedish residency 3 years↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car↗
Use cases
Home-improvement↗
Legal entity
MedMera Bank AB↗
Headquarters
Sweden↗
Support channels
Phone, Help-centre↗
Official website
coop.se

Facts checked September 28, 2026, 5 sources

Apps and profiles

Elsewhere
Wikidata

Pros and cons

Pros

  • Variable APR of 5.2% to 16.95% with setup fees of 0 kr and share of 0%
  • Loans of SEK 15,000 to SEK 600,000 over 24 to 144 for uses in personal, debt consolidation and car
  • Direct lender of direct lender with funding in 1-2 business days

Cons

  • Variable rate of variable means monthly payments can move during 24 to 144
  • Support runs on phone and help centre only, without chat or email contact
  • Eligibility under Age 20+, Swedish residency 3 years excludes recent arrivals and non residents
COOP Kreditkort

Ready to try COOP Kreditkort?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Residents meeting Age 20+, Swedish residency 3 years planning home improvement covered by home improvement
  • Borrowers wanting larger balances of SEK 15,000 to SEK 600,000 with timing of 1-2 business days
  • Borrowers consolidating debt or funding a car through personal, debt consolidation and car

Who should look elsewhere

  • Borrowers outside Age 20+, Swedish residency 3 years may favour Mi Prestamo for access in another market
  • Borrowers seeking card credit at 21.59% may favour AXI Card Tarjeta y Credito

Who runs it

COOP Kreditkort is provided by MedMera Bank AB, based in Sweden. The bank presents itself as a Swedish lender serving household borrowing needs. Customer contact is handled through phone and help centre, namely phone service alongside an online help centre for guidance on products and applications.

How COOP Kreditkort compares

Where COOP Kreditkort is available

Available
Sweden
Licence in Sweden
Finansinspektionen, checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What does borrowing cost with COOP Kreditkort+

COOP Kreditkort lists variable APR of 5.2% to 16.95% for its personal loan range. Setup fees are 0 kr, with an origination share of 0%. The rate you receive depends on credit assessment, so the representative example should be reviewed before applying.

How large a loan is available and what is it for+

COOP Kreditkort offers loans of SEK 15,000 to SEK 600,000 for personal, debt consolidation and car use under personal, debt consolidation and car. Stated use covers home improvement under home improvement. Terms run over 24 to 144 on a variable rate of variable, which allows longer plans with changing payments.

Who can apply for this loan+

Applicants must meet Age 20+, Swedish residency 3 years, which sets a minimum age and residency duration in Sweden. The lender operates as a direct lender under direct lender. Those outside Sweden or newly resident will need another provider with broader eligibility.

How long does funding take and how long can the term run+

Funding arrives in 1-2 business days after approval, which suits planned projects rather than urgent cash needs. Terms extend over 24 to 144, giving scope to spread larger balances. Allow time for credit checks and document review before funds are released.

How do customers get help with an application+

Support is available on phone and help centre, covering phone help and an online help centre. There is no live chat or email route listed. For account queries, have loan details ready and use phone hours or help centre guides for common tasks.

What does the representative example show+

The published representative example describes a Privatlan balance over several years at a floating rate with a stated effective rate. It illustrates how APR, term and loan size interact. Your own offer under 5.2% to 16.95% may differ after assessment, so compare the personalised quote carefully.

Sources

  • medmerabank.se checked September 28, 2026

    Backs: Legal entity

    “MedMera Bank AB, 171 88 Solna”

  • medmerabank.se/kundservice checked September 28, 2026

    Backs: Support channels

    “Ring 010-682 22 70 and Vanliga fragor och svar”

  • medmerabank.se/lana/privatlan checked September 28, 2026

    Backs: Eligibility, Funding time, Loan types, Rate type, Representative example, Term, Use cases

    “Samtliga sokande ar minst 20 ar and folkbokford i Sverige de senaste tre aren for Privatlan”

  • medmerabank.se/om-medmera-bank checked September 28, 2026

    Backs: Headquarters, Lender type, Licences

  • medmerabank.se/priser-villkor-blanketter checked September 28, 2026

    Backs: Loan amount, APR, Arrangement fee, Origination fee (%)

    “Lanebelopp 15 000 - 600 000 kr for Privatlan”

Compiled from 5 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: Credit check.

COOP Kreditkort

COOP Kreditkort

Swedish residents planning larger home improvement or car borrowing with flexible timing

9.3/10See alternatives