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Extralånet review

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

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Our verdict

Extralånet is a Swedish direct lender offering personal loans and debt consolidation, and it suits borrowers who want a fixed rate to plan around and no cost for arranging the loan. The APR is 22.79% and early repayment is free, though the site's median APR is 15.5%.

Key facts

Best for
A Swedish borrower consolidating debts or covering a personal cost with a fixed rate and no arrangement fee.
APR
22.79%↗
Loan amount
SEK 10,000 to SEK 50,000↗
Term
12 to 120 months↗
Arrangement fee
0 SEK↗
Credit check
Hard↗
Funding time
Paid out on approval, in the account within 1-2 bank days↗
Representative example
Annuity loan with 20.71% nominal annual interest and 22.79% effective annual interest↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Aged 20-65, Swedish personal identity number and address registered in Sweden, income of at least 15000 SEK per month after tax declared in Sweden for at least 3 months, no current debt balance with the Enforcement Agency, mobile BankID↗
Loan types
Debt-consolidation, Personal↗
Legal entity
Catalunia Capital AB↗
Headquarters
Sweden↗
Founded
2009↗
Support channels
Email, Help-centre, Phone↗
Pricing model
Fixed rate
Official website
extralanet.se

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • Free early repayment, so clearing the balance ahead of schedule adds nothing.
  • An origination fee of 0 SEK, so setting the loan up is not chargeable.
  • A fixed rate over terms of 12 to 120, with amounts of SEK 10,000 to SEK 50,000 for personal or debt-consolidation loans.
  • Support runs on email, help centre and phone, and approved loans are paid out on approval.

Cons

  • The cost of borrowing is high: the APR is 22.79%, while the site median APR is 15.5%.
  • The credit check is hard, so a refusal can be recorded on the credit file.
Extralånet

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults in Sweden with a personal identity number, a registered Swedish address and income declared after tax
  • Borrowers who want one fixed payment instead of several smaller debts
  • People who can clear the balance early without extra charge

Who should look elsewhere

  • Readers chasing the lowest advertised rate may prefer Cashspace, which quotes an APR range of PHP 12 to PHP 36.
  • A borrower who needs a much larger or smaller starting amount may prefer Creduma ES, which begins at from €12,000.
  • Anyone set on a different rate structure may prefer Sofkredit, whose APR range of 10.74% to 18.06% offers a separate comparison.

Where it sits among rivals

On loan amount Extralånet sits at 313 out of 665 brands ranked, and on APR it sits at 247 out of 338. Both positions are mid-table, so this reads as a mainstream offer rather than the cheapest or the most expensive on either measure. Readers comparing on cost should weigh that placement against the rate and fee terms before applying.

How Extralånet compares

Where Extralånet is available

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

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

Frequently asked questions

What rate does Extralånet charge?+

The APR is 22.79% on a fixed rate, and the representative example describes an annuity loan whose effective annual interest rate matches it. The site median APR is 15.5%, so this cost sits above the middle of the market.

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

Loan amounts run SEK 10,000 to SEK 50,000 and terms run 12 to 120, repaid as an annuity loan at a fixed rate. That is a long span next to the site median term of 36, so repayments can be spread over many years when the monthly budget allows.

Are there fees for taking out or clearing the loan early?+

The origination fee is 0 SEK, so nothing is charged to arrange the loan. Free early repayment is available, which means a borrower who clears the balance ahead of schedule keeps the benefit of the interest already paid.

What is needed to apply?+

Eligibility asks for adults within the stated age range, a Swedish personal identity number, an address registered in Sweden, income declared in Sweden after tax for a waiting period, no current debt balance with the Enforcement Agency and mobile BankID. The application runs a hard credit check, so a decision can be visible to other lenders.

How quickly does the money arrive?+

Payout happens on approval, and the money lands in the account within Paid out on approval, in the account within 1-2 bank days. Across the site, same-day funding is offered by only a minority of lenders, 57.5%, so it is worth planning for the wait rather than expecting an instant transfer.

Who is the lender and who supervises it?+

The lender is Catalunia Capital AB and has operated since 2009. It is supervised in Sweden by Finansinspektionen, and Extralånet is a direct lender, so the contract sits with the company that carries the loan rather than a middleman.

How do I reach support after applying?+

Support runs on email, help centre and phone, covering email, a help centre and phone. Because the lender is a direct lender, questions on a live application go to the same company that holds the balance, and mobile BankID is used to sign in and manage the loan.

Sources

  • extralanet.se checked September 26, 2026

    Backs: Headquarters, Loan types, Pricing model, Representative example

    “Catalunia Capital AB Box 5347 102 47 Stockholm”

  • extralanet.se/allmanna-villkor checked September 26, 2026

    Backs: Loan amount, Credit check, Legal entity, Lender type, Term

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

    Backs: Founded

  • extralanet.se/pris checked September 26, 2026

    Backs: APR, Free early repayment, Arrangement fee, Rate type

    “fast nominell ränta på 20,71% per år (22,79% effektiv ränta)”

  • extralanet.se/vanliga-fragor checked September 26, 2026

    Backs: Eligibility, Funding time, Support channels

  • fi.se checked September 26, 2026

    Backs: Licences

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

Extralånet

Extralånet

A Swedish borrower consolidating debts or covering a personal cost with a fixed rate and no arrangement fee.

9.1/10See alternatives