Kliklaan review
Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026
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Our verdict
Kliklaan suits borrowers in Denmark seeking a plain fixed rate personal loan with predictable monthly payments and clear support routes. APR sits at 15.89% to 21.1% with early repayment without extra charge, which helps readers planning a mid sized purchase over several seasons.
Key facts
- Best for
- Danish borrowers wanting fixed rate personal borrowing
- APR
- 15.89% to 21.1%↗
- Loan amount
- DKK 10,000 to DKK 200,000↗
- Term
- 48 to 96 months↗
- Credit check
- Hard↗
- Funding time
- within 2-3 bank days↗
- Representative example
- Fixed debtor rate 13.62% - 20.98%, APR 15.89% - 21.10%, total repayable 84,664 - 90,103 kr, total costs 16,664 - 22,103 kr, term 36-120 months, max APR 24.87%↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Danish phone numbers only, MitID validation↗
- Loan types
- Personal↗
- Legal entity
- LEASY A/S↗
- Headquarters
- Denmark↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- kliklaan.dk
Facts checked September 30, 2026, 4 sources
Pros and cons
Pros
- Fixed pricing at fixed keeps payments predictable through market moves.
- Free early repayment lets borrowers shorten the schedule without extra charge when funds allow.
- Direct lending at direct lender keeps the loan and servicing in a single relationship.
- APR at 15.89% to 21.1% compares usefully with Mi Prestamo at 23% for mid sized plans.
Cons
- Credit assessment uses hard, so an application can leave a mark on the credit record.
- Payout arrives within 2-3 bank days, which suits planned spending rather than urgent needs.
- Support runs on phone and help centre only, without chat or email routes for quick queries.
- Access asks for Danish phone numbers only, MitID validation, which limits availability for readers living outside Denmark.
Ready to try Kliklaan?
Scored 9.2 / 10 by SumCue.
Who it suits
- Borrowers wanting predictable instalments may favour Kliklaan over AXI Card Tarjeta y Credito at 21.59%, given fixed pricing at fixed.
- Borrowers planning larger costs may favour Kliklaan over Mi Prestamo at 23%, given amounts at DKK 10,000 to DKK 200,000.
- Borrowers valuing direct servicing may favour Kliklaan over broker routes, given lender status at direct lender.
Who should look elsewhere
- Readers needing urgent same day funds may prefer Mi Prestamo, as Kliklaan pays within 2-3 bank days.
- Readers outside Denmark may prefer Ibancar Prestamos, as Kliklaan asks for Danish phone numbers only, MitID validation.
Rates and costs
Kliklaan prices personal borrowing with APR at 15.89% to 21.1%. That band gives readers a clear starting point for comparison against card credit and other loan brands, since the APR captures the yearly cost of the balance in a standardised form. A published representative example supports that headline by setting out the debtor rate band, the APR band, the total amount repayable, the total cost of credit, the term band and the ceiling on APR. That extra detail matters because advertised bands rarely tell the full story on their own, and the example shows how rate, time and balance interact to shape the final sum paid. Early repayment policy adds useful flexibility. Free early repayment means borrowers can reduce the balance ahead of schedule without extra charge, which can lower the total cost when spare funds become available. That option suits readers who expect income changes, bonuses or asset sales during the loan, and who value the ability to act early rather than remaining tied to the original schedule.
Safety of your money
Kliklaan arranges credit as a lender described by direct lender. That direct relationship means the application, the loan agreement, the disbursement and the ongoing servicing sit with the same operator, rather than passing through a broker or marketplace layer. Readers who value clarity may appreciate that structure, since questions on payments, balances and early settlement go to the party that holds the loan. A published representative example adds further context for judging affordability and risk. It outlines the debtor rate band, the APR band, total repayable, total costs, the term band and the ceiling on APR. Together those points help readers see the possible cost range before committing, and they encourage careful budgeting around monthly payments, income stability and other obligations. As with any unsecured borrowing, readers should borrow only what the household budget can absorb across the full term, and should keep a reserve for unexpected expenses.
Who runs it
Kliklaan is operated by LEASY A/S. Naming the legal entity helps readers confirm who stands behind the agreement, who services the account and who handles queries or complaints. That transparency supports comparison, since readers can distinguish the consumer brand from the company that carries operational responsibility. The operation is based in Denmark. That location shapes language, customer hours, identity checks and the wider market focus, and it explains the emphasis on Danish customer processes across the site. Support is offered through phone and help centre. Phone contact suits readers who prefer to discuss applications, payments or settlement figures directly, while the help centre suits readers who prefer to read guidance in their own time. Readers who rely on live chat or email may need to adjust expectations, and should gather documents and questions before calling.
How Kliklaan compares
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Where Kliklaan is available
- Available
- Denmark
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What does Kliklaan charge for a personal loan?+
Kliklaan lists APR at 15.89% to 21.1%. A published representative example outlines the debtor rate band, the APR band, total repayable, total costs, repayment term band and the ceiling that can apply. Review those bands closely before applying, as the rate offered depends on assessment.
How large a loan can readers request and for how long?+
Kliklaan offers personal loans at personal with amounts at DKK 10,000 to DKK 200,000. Terms run 48 to 96 months. The structure suits planned purchases, home projects and other larger expenses where a defined balance and a defined repayment schedule bring clarity.
Is Kliklaan a direct lender or a broker?+
Kliklaan operates as a lender described by direct lender. Borrowing is arranged directly with the named operator, which keeps the agreement, servicing and repayment relationship in a single place. Readers should still compare the APR and the representative example.
Will applying affect the credit record?+
Kliklaan applies hard during assessment. An application can therefore affect the credit record, unlike soft prequalification routes. Readers with upcoming mortgage or rental applications may wish to time borrowing activity with care.
How quickly does Kliklaan pay out?+
Kliklaan pays out within 2-3 bank days. That schedule suits purchases that can wait for bank processing. Readers facing urgent bills may prefer to compare delivery times elsewhere, while readers planning ahead can align disbursement with invoices and purchase dates.
Who can apply and how is support reached?+
Kliklaan asks for Danish phone numbers only, MitID validation. Support is available through phone and help centre. Readers should have a compatible phone arrangement, identity validation and a suitable contact route ready before starting, which helps reduce delays during review.
Is the rate fixed or variable?+
Kliklaan uses fixed pricing under fixed rate. Monthly payments stay predictable when market rates move, which helps household budgeting. The trade off is that payments do not fall when market rates decline, so readers should weigh certainty against flexibility.
Sources
- kliklaan.dk checked September 30, 2026
Backs: Headquarters, Legal entity, Lender type
“Østre Stationsvej 1-5 5000 Odense C”
- kliklaan.dk/laan-og-personlige-oplysninger checked September 30, 2026
Backs: APR, Eligibility, Representative example
“Fast debitorrente 13,62% - 20,98%. ÅOP 15,89% - 21,10%.”
- kliklaan.dk/om-kliklaan checked September 30, 2026
Backs: Loan amount, Free early repayment, Loan types, Term
“Låne fra 10.000 til 200.000 kr.”
- kliklaan.dk/spoergsmaal-og-svar checked September 30, 2026
Backs: Credit check, Funding time, Pricing model, Rate type, Support channels
“Ring 88 88 88 88”
Compiled from 4 source pages, checked September 30, 2026. We did not open an account.
Not confirmed yet: Arrangement fee.