Gather your small high-interest loans and credits and solve them with one loan. Apply for an unsecured personal loan and see if we can give you a lower interest rate.
Incl. amortization and interest, excl. admin fee
1. Apply for a loan
2. Receive your offer
3. Sign with BankID
4. Receive the money within 1-3 days
If you have multiple loans from different lenders, it can be both easier and cheaper to gather all loans in one place. By applying for a loan with P.F.C., you can quickly recieve an answer regarding whether you can get a lower interest rate for your consolidated loan, and thereby save money
We want you to make smart financial decisions. When you apply for a loan it's important for us that you know what you sign up for, what it will cost you, and for how long you will repay your loan. We have no hidden fees and you can always view your credit agreement in the app.
You can apply for a personal loan on our website or in the P.F.C. app. After you apply, you will be able to see an overview of your loan in the P.F.C. app and chat with customer service. Download the app from AppStore or Google Play and log in with BankID.
You can apply for a loan for up to 400 000 SEK. You apply on our website or in the P.F.C. app and get an instant response. We perform a credit check, which is visible to other lenders, during the application process.
If your application is approved, your loan gets paid out within three banking days after you’ve signed the credit agreement.
The interest on your loan varies between 6,49–25,95%. Your interest is individual and based on your credit score.
The individual interest rate is set based on a risk assessment of your ability to repay the loan and based on, among other things, your income, form of employment and loan history. The better these factors are, the lower the interest rate will be. The interest rate you receive is variable, and can change during your repayment period.
If you get granted a loan, we will pay out the money within three banking days after you sign the credit agreement, as long as we don´t need to contact you for more information.
When you apply, you can choose a repayment period that best suits you between 1-15 years. You can change the repayment time during the repayment period if needed. Contact us in the chat when logged in to the app, and we'll help you.
Yes, you can repay all or part of the loan early. If you want to pay a large amount, contact us, and we will create an invoice and send it to you. There are no extra charges, and you won't have to pay interest for the remaining months in your original repayment plan.
In order to apply for a personal loan with P.F.C. you need to be 20 years old and registered in Sweden. If you have activated any of our other credit functions, we also look at how you managed your repayments for these.
Every month we send an invoice to your email with all the information you need, such as when and how much you have to pay totally for amortization and interest. You pay by making a payment from your bank to our Bankgiro account. It is currently not possible to make the payment from your P.F.C. account.
Every month, you repay your loan (amortize) and pay interest. The only costs added are a setup fee of 395 SEK, which you are paying on the first invoice, and an administration fee of 25 SEK, which is added onto your invoices monthly.
Other costs that may occur are a reminder fee of 60 SEK, and late payment interest if you miss your monthly payment and we need to send you a reminder notice. If the case proceeds to debt collection, there may be additional fees.
Yes, you need to state the reason for the loan in connection with your application.
Unfortunately, it is not possible to pay by direct debit right now. However, you can set a monthly standing transfer to our bankgiro account. Just remember to check with your bank to make sure they don't charge extra for the service.
If you do not pay on time, we will send a reminder invoice to you with a reminder fee of 60 SEK and late payment interest. Therefore, it's important that you contact us if you cannot pay. Contact us directly via the chat by logging into the P.F.C. app, and we will try to help you in the best way possible.
Unfortunately, it is not possible to pause the amortization yourself. If you feel that you cannot pay or if something unexpected happens, you need to contact us via the chat in the P.F.C. app while logged in.
We offer private loans between 20 000–400 000 SEK. How much you can borrow depends on a number of different factors, such as income, type of employment and your loan history.
“I found out what I actually spent
my money on. I even started a savings goal”