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Klicklan review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Klicklan suits adults in Sweden who want a personal loan from a direct lender with money arriving in Same business day or next business day. Fees of SEK 495 setup fee + SEK 19 admin fee apply on top of variable interest, and early repayment costs nothing extra.

Key facts

Best for
Adults in Sweden seeking a direct lender personal loan with rapid payout.
Loan amount
up to SEK 40,000↗
Term
12 to 84 months↗
Arrangement fee
SEK 495 setup fee + SEK 19 admin fee↗
Funding time
Same business day or next business day↗
Representative example
SEK 45000 loan at 21.6% variable over 82 months, 82 payments of SEK 1066 plus SEK 495 setup and SEK 19 admin, effective 25.24%, total SEK 88945↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Age 24+, registered in Sweden for 36 months↗
Loan types
Personal↗
Legal entity
Thorn Svenska AB↗
Headquarters
Sweden↗
Founded
1970↗
Support channels
Phone, Email↗
Features
Same-day funding
Official website
klicklan.se

Facts checked September 30, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInTrustpilot

Pros and cons

Pros

  • Borrowing of up to SEK 40,000 suits mid sized planned expenses within a personal loan structure.
  • Terms of 12 to 84 months allow monthly payments to be spread across a longer period.
  • Payout in Same business day or next business day suits borrowers who value rapid access to funds.
  • Free early repayment allows the balance to be cleared ahead of schedule without an extra charge.
  • Support through phone and email gives a direct route for account queries by phone or email.

Cons

  • Fees of SEK 495 setup fee + SEK 19 admin fee add to the total cost of every loan.
  • Pricing set as variable means monthly amounts can move during the term.
  • Access depends on Age 24+, registered in Sweden for 36 months, which excludes recent residents and younger adults.

Ready to try Klicklan?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Adults in Sweden seeking borrowing of up to SEK 40,000 for planned personal spending.
  • Borrowers who value payout in Same business day or next business day and terms of 12 to 84 months.
  • Applicants who prefer a direct lender such as Klicklan over Ibancar Prestamos as a broker style route.

Who should look elsewhere

  • Readers outside Sweden should consider Ibancar Prestamos, since Klicklan eligibility centres on Swedish residence.
  • Readers seeking card credit should consider AXI Card Tarjeta y Credito rather than a Swedish personal loan.
  • Readers seeking very small euro sums should consider Mi Prestamo rather than borrowing of up to SEK 40,000.

Rates and costs

Costs centre on fees of SEK 495 setup fee + SEK 19 admin fee, which combine a setup charge with an ongoing admin charge. These charges apply in addition to interest and therefore raise the total amount payable over the life of the loan. Borrowers should add both elements to interest when comparing offers, since a modest monthly payment can still carry a notable total cost once charges are included. The published representative example helps with that comparison. It describes a sample personal loan with variable pricing, repaid through monthly instalments across many months, including setup and admin charges and a total payable figure. The example is illustrative rather than a promise, since the rate offered can depend on assessment and market movement. Free early repayment provides useful flexibility on cost. It allows the outstanding balance to be settled ahead of schedule without an extra repayment charge, which can reduce further interest where funds allow early settlement.

Regulation and registers

Klicklan operates as direct lender, which means applications, decisions, and servicing sit with the lender rather than passing through a broker or marketplace. That structure keeps responsibility for the loan in a single place and can make the route for queries clearer during the application and repayment period. Oversight in Sweden falls under Finansinspektionen, the national financial supervisory authority. Readers should still read the loan terms with care, including pricing, fees, repayment duties, and the effect of missed payments. A direct lender model does not remove credit risk, and variable pricing means costs can change during the term.

Who runs it

The service is operated by Thorn Svenska AB, based in Sweden, with roots stretching back to 1970. That history points to an established Swedish operation rather than a newly launched brand, which may reassure borrowers who value continuity in servicing and administration. Contact is handled through phone and email, covering phone and email. That mix suits applicants who prefer to discuss an application by phone, while also leaving a written route for documents, statements, or later queries. Support availability may vary by channel and by workload, so borrowers should keep records of correspondence and allow time for replies around busy periods.

How Klicklan compares

Where Klicklan is available

Available
Sweden
Licence in Sweden
Finansinspektionen, checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What fees does Klicklan charge?+

Klicklan charges fees of SEK 495 setup fee + SEK 19 admin fee on its personal loans. The charge applies alongside interest during the term. The published representative example describes a sample loan with variable pricing, monthly payments, setup and admin charges, and a total payable figure for comparison.

Can a Klicklan loan be repaid early?+

Yes, Free early repayment applies, so a loan can be settled ahead of schedule without an extra repayment charge. Interest still applies for the period during which funds were borrowed. Terms of 12 to 84 months remain available for borrowers who prefer to continue with planned monthly payments.

How much can be borrowed and over what term?+

Klicklan offers borrowing of up to SEK 40,000 with terms of 12 to 84 months for personal use. The structure suits planned expenses that can be spread across monthly payments. Applicants should weigh the amount against income, existing commitments, and the total cost shown in the representative example.

How quickly are funds paid out?+

Funding is described in Same business day or next business day, with support for same day funding where conditions allow. Timing can depend on application checks, bank processing, and the point during the business day at which approval is granted. Borrowers needing funds by a set date should apply in good time.

Who can apply for Klicklan?+

Eligibility follows Age 24+, registered in Sweden for 36 months, so applicants need to meet the age threshold and the residence requirement in Sweden. The rule is strict and narrows access for younger adults and recent arrivals. Those who do not meet the criteria may wish to consider Ibancar Prestamos or Mi Prestamo.

Who runs Klicklan and how is support contacted?+

Klicklan is operated by Thorn Svenska AB with a base in Sweden. Support is provided through phone and email, which suits routine queries by phone or in writing. There is no live chat option in the listed channels, so urgent questions outside calls rely on email.

Sources

  • klicklan.se checked September 30, 2026

    Backs: Loan amount, Eligibility, Features, Free early repayment, Funding time

    “Du maste vara minst 24 ar and folkbokford i Sverige 36 manader - Klicklan personal loan”

  • klicklan.se/laan-och-personliga-uppgifter checked September 30, 2026

    Backs: Lender type, Arrangement fee, Rate type, Representative example, Term

    “Thorn Svenska AB:s Allmanna villkor for kontantlan - Klicklan personal loan”

  • thorn.se/kontakta-oss checked September 30, 2026

    Backs: Support channels

    “Ring 020-24 24 24 and info@thorn.se - Klicklan personal loan”

  • thorn.se/om-oss checked September 30, 2026

    Backs: Founded, Headquarters, Legal entity, Loan types, Licences

    “Thorn Svenska AB grundades redan 1970 - Thorn personal loan”

Compiled from 4 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: APR, Credit check.

Klicklan

Adults in Sweden seeking a direct lender personal loan with rapid payout.

9.3/10See alternatives