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Kreddy review

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

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Our verdict

Kreddy suits adults in Sweden who want a personal or debt consolidation loan from a broker and expect to repay early without extra cost. The interest rate is variable and runs 4.95% to 23%, and funding lands a few business days after the signed agreement comes back.

Key facts

Best for
A Swedish personal or debt consolidation loan with no arrangement fee.
APR
4.95% to 23%↗
Loan amount
SEK 10,000 to SEK 800,000↗
Term
12 to 180 months↗
Arrangement fee
0 SEK, no start- or avia fee↗
Credit check
Hard↗
Funding time
2-5 business days after the signed loan agreement is returned↗
Representative example
Annuitetslån 12 år, effective annual rate 6.17%, loan of 200 000 SEK costs 1 952 SEK per month (144 instalments), total 281 047 SEK↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Minst 18 ar, folkbokförd och skriven i Sverige minst ett ar↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation↗
Legal entity
Lendo AB (org.nr 556515-1627)↗
Headquarters
Sweden↗
Support channels
Email, Phone, Help-centre↗
Official website
kreddy.se

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Early repayment is free, so a loan can be settled sooner with nothing added on top
  • Borrowing of SEK 10,000 to SEK 800,000 across terms of 12 to 180, for personal loans and debt consolidation

Cons

  • The rate is variable (variable), so the cost of borrowing can rise over the term
  • Support runs on email, phone and help centre only, so answers come by email, phone or the help centre
  • Funding arrives a few business days after the signed loan agreement is returned, so plan for a waiting period
Kreddy

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults registered to an address in Sweden who want a loan with no arrangement fee
  • Borrowers planning to bring several existing debts under a single loan
  • People with a steady credit record who expect to repay before the term ends

Who should look elsewhere

  • Anyone outside Sweden, since applicants must be registered to an address in the country
  • Borrowers who want a fixed rate, because the rate here is variable
  • Borrowers after a loan priced in euros or pesos, for whom Creduma ES at from €12,000 and Cashspace at PHP 12 to PHP 36 are the listings

Deposit protection

Kreddy matches borrowers with lenders rather than lending from its own balance, so the rate offered comes from the lender. Its representative example sets out an annuity loan, showing the effective annual rate, the monthly instalment, the number of instalments and the total repaid. The operator is listed with Finansinspektionen under 556515-1627.

The company behind it

The company behind Kreddy is Lendo AB, based in Sweden, and the service runs as a loan broker. Help runs on email, phone and help centre, so questions can go by email, by phone or through the help centre. The Finansinspektionen licence is recorded as 556515-1627, which covers the operation.

How Kreddy compares

Where Kreddy is available

Available
Sweden
Licence in Sweden
Finansinspektionen (556515-1627), checked September 26, 2026

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

Frequently asked questions

What does borrowing from Kreddy cost?+

The annual rate runs 4.95% to 23% and the rate is variable, so the cost can move over the life of the loan. The arrangement fee is 0 SEK, no start- or avia fee, and the representative example shows an annuity loan with a monthly instalment and a total repaid.

Can I repay a Kreddy loan early?+

Early repayment is free, so a loan can be closed sooner with nothing added on top. Terms run 12 to 180, so a shorter term keeps the interest down. The rate is variable, which makes a shorter schedule worth weighing.

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

Borrowing runs from SEK 10,000 to SEK 800,000 with terms of 12 to 180. Kreddy offers personal loans and debt consolidation loans, so a single loan can be used to bring several existing debts under a monthly payment. The rate is variable, so check the figure offered at application.

How quickly does the money arrive?+

Funding arrives a few business days after the signed loan agreement is returned, so the clock starts when the paperwork comes back rather than at application. A borrower with an urgent payment should plan for that waiting period. Support runs on email, phone and help centre if the schedule needs checking.

What credit check does Kreddy use?+

Hard credit checks are the norm here, since 76.8% of lenders in this category use one. A hard search is recorded on the file, so it suits borrowers with a steady credit record and carries more weight for a thinner file.

Who regulates Kreddy?+

The site is run by Lendo AB, which appears in the Finansinspektionen register under 556515-1627. Kreddy works as a loan broker, so the lender you end up with sets the terms, and the registration covers the operation.

Who can apply for a Kreddy loan?+

Applicants must be adults, registered to an address in Sweden, and have been written in the country for a minimum age and a waiting period. Borrowing runs from SEK 10,000 to SEK 800,000, so a smaller sum can still be applied for, and the hard credit check rewards a clean record.

How do I get help from Kreddy?+

Support runs on email, phone and help centre, which covers email, phone and a help centre. Questions about an application, a repayment plan or the paperwork can go through any of those channels, and help is offered to Swedish applicants.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Kreddy

Kreddy

A Swedish personal or debt consolidation loan with no arrangement fee.

9.0/10See alternatives