Zmarta review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Zmarta is a Swedish broker that sends an application to partner banks, so the rate you are offered comes from the lender rather than one published table. It suits borrowers with a clean credit record looking for a personal loan or a mortgage, with an effective rate of 7.22% on the representative example.
Key facts
- Best for
- Personal loans and mortgages placed with partner banks in Sweden.
- APR
- 7.22%↗
- Loan amount
- SEK 800,000↗
- Term
- 60 months↗
- Arrangement fee
- 0 SEK↗
- Credit check
- Hard↗
- Funding time
- 1-4 days after signing the loan agreement↗
- Representative example
- Loan of 225 000 SEK, nominal interest 6.99%, 5 year term, effective rate 7.22%↗
- Rate type
- Variable↗
- Lender type
- Broker↗
- Free early repayment
- Yes↗
- Eligibility
- Over 18 years old, annual income of at least 100 000 SEK, no unpaid debts with the Swedish Enforcement Authority (applications with records of non-payment accepted by some partner banks)↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation↗
- Use cases
- Home-improvement↗
- Legal entity
- Zmarta AB↗
- Headquarters
- Sweden↗
- Founded
- 1999↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- zmarta.se
Mortgages
- Initial rate
- 2.58%↗
- Fixed period
- 0.25 years↗
- Maximum loan to value
- 90%↗
- Product fee
- SEK 0↗
- Purpose
- Purchase, Remortgage↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
- TrustpilotLinkedIn
Pros and cons
Pros
- Free early repayment on the personal loan and the mortgage.
- An effective rate of 7.22% on the representative example, with a term of 60 months.
- Mortgages of SEK 800,000 at an initial rate of 2.58%, for purchase and for remortgage.
- Help on phone, email and help centre.
Cons
- Applications run a hard credit check, so the search is recorded on your file.
- The mortgage fixed period is 0.25, so the rate is repriced often.
Who it suits
- Adults in Sweden with a steady income and no unpaid debts, applying for a personal loan or debt consolidation.
- Homebuyers and remortgagers who want a broker to place the application for them.
- Borrowers who can wait, since funding lands 1-4 days after signing the loan agreement.
Who should look elsewhere
- Borrowers who want a rate before they apply, who would start instead with Cashspace at PHP 12 to PHP 36.
- Anyone outside Sweden, who would be comparing Creduma ES from from €12,000 or Sofkredit at 10.74% to 18.06%.
Safety of your money
Zmarta works as a broker, matching applicants to partner banks rather than lending from its own balance sheet, and it is regulated in Sweden by Finansinspektionen. The representative example on the site shows an effective rate of 7.22%, which is the figure to compare against other personal loans rather than the nominal rate.
Where it sits among rivals
On loan amount, Zmarta ranks 36 of 665 brands in the comparison. Its effective rate of 7.22% puts it 103 of 338 on APR, and the term of 60 months sits at 55 of 226. That is a middle position on all three measures, so what a partner bank offers carries more weight than anything listed here.
How Zmarta compares
9.2 vs 9.0
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9.2 vs 8.7Sofkredit quotes 10.74% to 18.06%, a useful outside comparison if you are not borrowing in Sweden.
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Where Zmarta is available
- Available
- Sweden
- Licence in Sweden
- Finansinspektionen, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Zmarta personal loan cost?+
Costs come down to a few lines. The representative example shows an effective rate of 7.22% over a term of 60 months, and the personal loan carries an arrangement fee of 0 SEK. Early repayment is free, so the total cost depends on how long you keep the loan open.
Is Zmarta regulated and who holds the contract?+
Zmarta is a broker, so an application goes to a lending bank rather than Zmarta itself, and it is regulated in Sweden by Finansinspektionen. The contract you sign is with the bank that approves you, and the contracting entity on the site terms is Zmarta AB.
How long does a Zmarta loan take to arrive?+
Funding lands 1-4 days after signing the loan agreement, so the money only moves once you have signed the loan agreement. A hard credit check runs before an offer, so the calendar runs in days rather than hours.
What credit check does Zmarta run?+
The credit check is hard, so the search is recorded rather than a soft pre-check. That makes it worth having your income and existing debts in order before you apply, since a recorded search is harder to undo than a soft one.
Who can apply for a Zmarta loan?+
Eligibility asks for an adult applicant with an annual income above a stated minimum and no unpaid debts registered with the Swedish Enforcement Authority. Some partner banks do accept applications from people with records of non-payment, so the answer can differ by bank rather than by the Zmarta brand alone.
Does Zmarta offer mortgages as well as personal loans?+
The mortgage side runs to SEK 800,000 with an initial rate of 2.58% and a maximum loan to value of 90%, for purchase and for remortgage. The listed fixed period is 0.25, which is short, and the product fee is SEK 0.
How does a Zmarta loan compare with other lenders?+
On cost, the effective rate of 7.22% sits below the site median 15.5%, and the term of 60 months matches the site upper quartile 60. Ranked on APR, Zmarta places 103 of 338, so a partner bank may still price you differently.
Sources
- zmarta.se/avtal/bolan checked September 26, 2026
Backs: Product fee
- zmarta.se/avtal/privatlan checked September 26, 2026
Backs: Legal entity, Arrangement fee, Origination fee (%), Support channels, Licences
- zmarta.se/bolan checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Purpose
“Snittrantor september 2026. 3 man”
- zmarta.se/en checked September 26, 2026
Backs: Credit check
“Only one credit report from UC”
- zmarta.se/en/loans/personal checked September 26, 2026
Backs: Eligibility, Funding time, Loan types, Use cases
“You are over 18 years old. You have an annual income of at least 100 000 SEK ... You do not have any unpaid debts with the Swedish Enforcement Authority.”
- zmarta.se checked September 26, 2026
Backs: Loan amount, APR, Founded, Free early repayment, Headquarters, Lender type, Pricing model, Rate type, Representative example, Term
“Zmarta AB, Norra Stationsgatan 69, 113 64 Stockholm”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.