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Fairlo review

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

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Our verdict

Fairlo suits Swedish adults with a steady income who want a reusable credit line and money in minutes. Its 28.18% and 588 SEK make it costly for borrowing that runs long, and the strict eligibility rules rule out anyone with recent debt collection activity.

Key facts

Best for
Swedes with a stable income who want a flexible credit line drawn in minutes.
APR
28.18%↗
Loan amount
SEK 3,000 to SEK 70,000↗
Term
72 months↗
Arrangement fee
588 SEK↗
Credit check
Hard↗
Funding time
Real-time, usually within minutes, 24/7↗
Representative example
Credit line 40,000 SEK, nominal variable rate 22%, term 72 months, monthly payment 1,064 SEK, effective rate 28.18%, total to repay 77,199 SEK, 59 SEK monthly fee and 588 SEK setup fee included↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Swedish personal identity number, at least 20 years old, registered Swedish address, mobile BankID, annual income at least 120,000 SEK, Swedish bank account, no active debt balance at the Swedish Enforcement Agency (Kronofogden), no enforcement attempts in the last three years, no debt restructuring↗
Loan types
Credit-line, Payday↗
Credit needed
Fair↗
Legal entity
Fairlo AB (org nr 559084-1101)↗
Headquarters
Sweden↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Same-day funding, Credit line
Official website
fairlo.se

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
TrustpilotLinkedIn

Pros and cons

Pros

  • Real-time payouts, usually within minutes, around the clock, on Real-time, usually within minutes, 24/7
  • Free early repayment, so you can clear the balance early without charge
  • Flexible credit line plus a payday option, both covered under credit line and payday
  • Support runs on email, chat and phone

Cons

  • The rate is variable, so the 28.18% can move over the life of the loan
  • Eligibility needs a Swedish personal identity number, mobile BankID, a registered Swedish address and a clear record with the Swedish Enforcement Agency
  • Applications run a hard credit check under hard
Fairlo

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults living in Sweden with a registered Swedish address and mobile BankID
  • Borrowers with a stable annual income who can show it to a lender
  • People who want a reusable credit line rather than a one-off loan

Who should look elsewhere

  • Anyone outside Sweden, since a Swedish personal identity number and address are required
  • Borrowers with an active debt balance at the Swedish Enforcement Agency or a recent enforcement attempt
  • Sofkredit or Creduma ES users who want to compare a fixed rate rather than a variable one

The company behind it

Fairlo is run by Fairlo AB (org nr 559084-1101), a Swedish company registered as a broker, which means it introduces borrowers to lenders rather than lending its own money. Its base is in Sweden, as SE shows. Customer help runs on email, chat and phone, so phone, email, chat and a help centre are all open to account holders.

How Fairlo compares

Where Fairlo is available

Available
Sweden

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

Frequently asked questions

What rate will I pay on a Fairlo credit line?+

The advertised rate is 28.18%, and it is variable rather than fixed, so it can rise or fall. The representative example on Fairlo's own terms uses a nominal variable rate, which is why the effective rate is higher than the headline number suggests.

Are there fees to set up a Fairlo loan?+

Yes. A setup fee of 588 SEK is charged when the credit line starts, and the representative example also carries a monthly fee. Borrowing for the full term means paying that monthly fee for every month you keep the credit open.

How much can I borrow and for how long?+

Loan amounts run SEK 3,000 to SEK 70,000, and the representative example uses a term of 72 months. A credit line lets you draw part of that limit and pay it back before drawing again, rather than taking the whole amount at once.

How fast is the money?+

Funding is real-time and usually lands within minutes, on Real-time, usually within minutes, 24/7. That speed suits an emergency, and the same-day funding listed in same day funding and credit line means you can apply and draw outside normal banking hours.

What credit check does Fairlo run?+

It is a hard credit check, as hard records, so a search is added to your credit file. Fairlo describes the credit you need as fair, which sits well below the top of the range.

Who can apply for a Fairlo loan?+

Applicants need a Swedish personal identity number, a minimum age, a registered Swedish address, mobile BankID, a Swedish bank account and a stated annual income. You also need no active debt balance at the Swedish Enforcement Agency, no recent enforcement attempts and no ongoing debt restructuring.

Can I repay a Fairlo loan early?+

Yes, early repayment is free, with no charge for clearing the balance ahead of schedule. That makes it worth paying down the credit line as soon as your income allows rather than carrying the monthly fee for longer than needed.

How do I get help from Fairlo?+

Support covers email, chat and phone, including phone, email, chat and a help centre. Phone and email are the most common routes for borrowers on comparison sites, so either works if you need an answer on a loan.

Sources

  • fairlo.se checked September 26, 2026

    Backs: Features, Headquarters

  • fairlo.se/about-fairlo checked September 26, 2026

    Backs: Loan amount, Arrangement fee

    “Uppläggningsavgift 588 kr”

  • fairlo.se/contact checked September 26, 2026

    Backs: Support channels

  • fairlo.se/kontokredit checked September 26, 2026

    Backs: Eligibility, Free early repayment, Funding time

    “Svenskt personnummer, Minst 20 år gammal, Svensk folkbokföringsadress, Mobilt BankID, Årsinkomst minst 120 000 kr/år, Inget aktivt skuldsaldo hos Kronofogden”

  • fairlo.se/rakneexempel-kontokredit checked September 26, 2026

    Backs: APR, Rate type, Representative example, Term

    “Nominell rörlig ränta: 22 procent per år”

  • fairlo.se/snabblan checked September 26, 2026

    Backs: Credit check, Credit needed, Loan types

  • fairlo.se/terms-and-conditions checked September 26, 2026

    Backs: Legal entity, Lender type

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Fairlo

Fairlo

Swedes with a stable income who want a flexible credit line drawn in minutes.

8.9/10See alternatives