Lendo review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Lendo is a practical lead for Swedish borrowers who want a broker to compare lenders for personal or mortgage borrowing. Personal loans offer amounts of SEK 10,000 to SEK 800,000, variable APRs of 4.95% to 23%, repayment terms of 12 to 180 and free early repayment, though rate changes can affect the cost.
Key facts
- Best for
- Swedish borrowers who want to compare lenders for personal or mortgage finance.
- APR
- 4.95% to 23%↗
- Loan amount
- SEK 10,000 to SEK 800,000↗
- Term
- 12 to 180 months↗
- Arrangement fee
- 0 SEK↗
- Credit check
- Hard↗
- Funding time
- 2-5 working days after the signed loan note reaches the lender↗
- Representative example
- Annuitetslan 12 ar, effektiv arsranta 6,17%: 200 000 SEK costs 1 952 SEK/month (144 payments), 281 047 SEK in total, no start/avi fee↗
- Rate type
- Variable↗
- Lender type
- Broker↗
- Free early repayment
- Yes↗
- Eligibility
- Minst 18 ar, folkbokford och skriven i Sverige minst ett ar, fast inkomst fran arbete eller pension, arsinkomst minst 120 000 kr, skuldfri fran kronofogden i minst 6 manader↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Car, Business↗
- Credit needed
- Fair↗
- Use cases
- Home-improvement↗
- Legal entity
- Lendo AB (org. nr 556515-1627)↗
- Headquarters
- Norway↗
- Founded
- 2007↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- lendo.se
Mortgages
- Initial rate
- 3.09%↗
- Fixed period
- 0.25 years↗
- Maximum loan to value
- 90%↗
- Product fee
- SEK 0↗
- Purpose
- Purchase, Remortgage, First-time-buyer, Home-equity↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- WikidataTrustpilotfacebook.com
Pros and cons
Pros
- No origination fee applies to personal loans: 0 SEK.
- Early repayment is free.
- The mortgage product fee is SEK 0.
- Lending options include personal, debt consolidation, car and business loans.
Cons
- Personal-loan rates are variable, so the rate charged may change.
- Eligibility is listed at fair, and applications use a hard credit check: hard.
- A hard credit check can affect an applicant's ability to borrow elsewhere.
Who it suits
- Adults in Sweden with stable work or pension income who meet Lendo's eligibility rules.
- Borrowers seeking personal loans through a broker rather than one named lender.
- Homebuyers and existing homeowners comparing mortgage options for purchases, remortgages, first-time purchases or home equity.
Who should look elsewhere
- Cashspace borrowers may prefer to compare its APR range of PHP 12 to PHP 36 with Lendo's offer.
- Creduma ES borrowers needing an amount below its stated minimum of from €12,000 should look elsewhere.
- Sofkredit borrowers attracted by its APR range of 10.74% to 18.06% may prefer a direct comparison.
Safety of your money
The representative personal-loan example describes an annuity loan with a stated effective annual rate, monthly repayment, total repayment, payment count and no start or Avid fee. These figures help readers assess the cost of credit. Lendo is a broker, so applicants receive a lending option rather than one standard loan offered directly by Lendo.
How Lendo compares
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Where Lendo is available
- Available
- Denmark, Norway, Sweden
- Licence in Sweden
- Finansinspektionen, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What costs and loan terms does Lendo offer?+
Lendo offers variable-rate personal loans with an APR of 4.95% to 23%. The amount available is SEK 10,000 to SEK 800,000, the repayment term is 12 to 180, and the personal-loan origination fee is 0 SEK.
Does Lendo lend directly to borrowers?+
Lendo is a broker, as shown by broker, rather than a single lender. Its matching process compares lending options, but the final approval, rate and repayment terms are determined through the selected lender.
What does the representative personal-loan example show?+
The representative example describes an annuity personal loan with a stated effective annual rate, monthly repayment, total repayment and no start or Avid fee. It provides a useful baseline for assessing the cost of borrowing.
How quickly is a personal loan funded?+
Funding takes several working days after the signed loan note reaches the lender. The timeline is therefore longer than an immediate transfer and depends on the note reaching the lender.
Who is eligible for a Lendo personal loan?+
Applicants must be adults, registered and living in Sweden, with stable income from work or a pension and no recent debt collection record. Applicants also need fair credit under fair.
Who regulates Lendo in Sweden?+
Finansinspektionen is the listed regulator in Sweden. Lendo acts as a broker under broker, so borrowers should also review the terms and status of the lender matched to their application.
What can I borrow through Lendo?+
Lendo offers personal, debt consolidation, car and business loans. The personal-loan borrowing range is SEK 10,000 to SEK 800,000, and home improvement is a stated use for home improvement.
Sources
- lendo.se checked September 26, 2026
Backs: Credit check, Credit needed, Free early repayment, Legal entity, Loan types, Support channels, Licences
“(c) 2026 Lendo AB / Org. nr: 556515-1627 / Vastra Jarnvagsgatan 21, 111 64 Stockholm”
- lendo.se/bolan checked September 26, 2026
Backs: Maximum loan to value, Product fee, Purpose
- lendo.se/bolan/bolanerantor checked September 26, 2026
Backs: Fixed period, Initial rate
“Landshypotek bolån ... 3,09% ... 3 mån (lowest listed mortgage rate, Landshypotek bolån, 3-month list rate)”
- lendo.se/om-lendo checked September 26, 2026
Backs: Founded, Headquarters
- lendo.se/privatlan checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Funding time, Lender type, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases
“Rantespann mellan: 4,95%-23%.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Lendo
Swedish borrowers who want to compare lenders for personal or mortgage finance.