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Sambla review

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

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Our verdict

Sambla suits Swedish borrowers who want a broker to shop lenders for a personal, consolidation, car or secured loan without paying anything to apply. Loan sizes run SEK 5,000 to SEK 800,000 with a variable rate, and a hard credit check decides what you are offered.

Key facts

Best for
Free-to-apply loan comparison for Swedish borrowers
APR
7.92% to 13.24%↗
Loan amount
SEK 5,000 to SEK 800,000↗
Arrangement fee
0 SEK - free to apply and compare, lender pays Sambla↗
Credit check
Hard↗
Funding time
Usually 1-3 days from signing to payout↗
Representative example
160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK↗
Rate type
Variable↗
Lender type
Broker↗
Eligibility
18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK↗
Loan types
Personal, Debt-consolidation, Car, Secured↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
Sambla Group AB↗
Headquarters
Sweden↗
Founded
2014↗
Support channels
Email, Phone, Help-centre, Chat↗
Official website
sambla.se

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • 0 SEK - free to apply and compare, lender pays Sambla, with the lender paying Sambla rather than the borrower
  • Loan sizes from SEK 5,000 to SEK 800,000 cover small and large borrowing alike
  • Personal, debt consolidation, car and secured loans are all in scope
  • Support runs through email, phone and help centre

Cons

  • variable rate means the cost of the loan can move over time
  • hard credit check is required, so a decline is recorded on your file
  • Eligibility asks for a registered resident in Sweden for at least a year, a minimum age and a monthly income of at least a set amount
Sambla

Ready to try Sambla?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Swedish residents with a fair credit record and a stable monthly income
  • Borrowers consolidating existing debts into one loan
  • Anyone funding home improvement who wants a fee-free application

Who should look elsewhere

  • Borrowers needing a fixed rate, since the rate offered is variable
  • Anyone who cannot meet the residency and income conditions
  • People with an entry recorded at Kronofogden inside the required waiting period

Safety of your money

Sambla is a broker rather than the lender itself, so the loan you end up with comes from a different company and the terms you sign are that lender's. Its representative example shows the shape of a mid-sized loan over a longer term, with the effective rate, the monthly repayment, the credit cost and the total repaid all set out.

Who runs it

Sambla is operated by Sambla Group AB, based in Sweden and founded in 2014. It is a Swedish group that intermediates loans rather than lending its own money. Help runs through email, phone and help centre, so a question about an application can go to a person by phone, by email or in chat, with a help centre alongside.

How Sambla compares

Where Sambla is available

Available
Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority) - tillstand som kreditmarknadsbolag enligt lagen om bank- och finansieringsrorelse, beviljat 8 juni 2026, checked September 26, 2026

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

Frequently asked questions

What does it cost to apply for a loan through Sambla?+

Applying and comparing is free. Sambla's arrangement fee is 0 SEK - free to apply and compare, lender pays Sambla, which means no money leaves your account to be assessed. The cost sits with the lender if you take a loan through the service, not with you as the applicant.

How much can I borrow and over what term?+

Loan sizes run SEK 5,000 to SEK 800,000, which covers modest sums and a large renovation alike. The rate is variable, so it can move during the life of the loan, and the exact term and rate depend on which lender answers your application.

What will the monthly repayments look like?+

Repayments follow the amount you borrow and the rate you are offered. The published representative example lists the effective rate, the monthly repayment, the credit cost and the total repaid on a mid-sized loan run over a longer term, and the same figures can be worked out for SEK 5,000 to SEK 800,000 at 7.92% to 13.24%.

Who lends the money?+

Sambla is a broker. It puts your details to lenders and the loan comes from whichever one offers, so the contract, rate and terms are the lender's rather than Sambla's. The lender pays Sambla for the introduction.

What credit check and credit score are involved?+

The credit check is hard, which leaves a trace on your credit file, and Sambla lists fair as the level of credit needed. A hard check means a decline is visible to other lenders, so it is worth checking your record first.

Am I eligible to apply?+

Eligibility asks for a minimum age, registration as a resident in Sweden for at least a year, a waiting period free of any entry at Kronofogden, and a monthly income above a stated amount. Those conditions are set by the lenders Sambla works with, not by Sambla alone.

How long does it take to get the money?+

Payout takes Usually 1-3 days from signing to payout once you have signed. The clock starts at signing rather than at the application, so getting your papers in order matters if the money is already spoken for.

How do I get help with an application?+

Support runs through email, phone and help centre. You can reach the team by phone, by email or in chat, and a help centre covers common questions on credit, rates and the application process.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Sambla

Sambla

Free-to-apply loan comparison for Swedish borrowers

9.0/10See alternatives