Samlino review

Nothing for the comparison itself. The service is Free, non-binding comparison service, the monthly fee is DKK 0 and the origination fee on the loan side is 0 DKK. What you pay is the premium or the borrowing cost of whichever product you go on to take.

Neither. It is a comparison site run by Samlino ApS in Denmark, and on the loan side it acts as a broker. The contract you sign is with the provider Samlino introduces, so read the policy or loan terms with that provider rather than with the site.

Cover types listed are auto, home and renters, and the pricing model is monthly, so premiums are set case by case. For car insurance the listed premium is DKK 2,000 to DKK 8,000, and monthly payments are available on the policy rather than a single annual sum.

Excess runs DKK 1,000 to DKK 10,000, which is the amount you would contribute towards a claim. The car insurance section is aimed at seniors, so read the excess alongside the listed premium of DKK 2,000 to DKK 8,000 before deciding that a cheap premium is worth a high excess.

Loan amounts run DKK 5,000 to DKK 500,000 over terms of 12 to 84, with an APR of 10% to 25%. Types listed include personal, debt consolidation and payday, and home improvement is the stated use. The representative example adds a setup fee and an annual fee to the quoted interest, so APR is the fairer number to compare.

The credit check is hard and the credit needed is good, so lenders look at the file directly rather than at a soft pre-check. Eligibility is limited to Over 18 years old with permanent residence in Denmark, which narrows who can apply at all before the file is reviewed.

Payout runs to Application takes minutes, money paid out within a few days, which is quick for a consumer loan. The application is the short part, but the hard credit check has to clear first, so plan around the clearing time rather than the form filling time.

Support runs on email only, so questions and complaints go by email rather than by phone. The site also sets out Free, non-binding comparison service, meaning a completed comparison carries no obligation to take up any policy, and Samlino ApS is the entity behind it.