P.F.C. is an app and a Mastercard® linked together, and both are free to use. You can easily deposit money on the card via Swish and we do not charge a fee for either deposits or withdrawals made via the app.The app contains various functions that help you keep track of your money. For example, you can set up a budget and savings goals directly in the app. Your purchases are automatically categorized and you can see how you have spent your money back in time. In this way, it is easy to get an overview of your expenses.

The P.F.C. card is not a credit card but a debit card. This means that you deposit money on the card yourself using Swish. However, you can choose to apply for our credit buffer Flex. Then you get access to a credit of up to 10,000 SEK that you can use when the balance on the account is low. Read more about costs for Flex here

P.F.C. is not a bank, but a payment institution according to the Payment Services Act (2010:751). We are under the supervision of the Financial Supervisory Authority and provide a digital service for your everyday finances. We have no physical offices, instead everything is managed in our mobile app.

No, the P.F.C. card is a debit card where you first deposit money which you can then spend with the card. If you use Part payment or Flex, you will find the invoice for them in the app by clicking on the respective function on your home screen. For Personal loans, a monthly invoice is sent to your email which you pay by making a payment from your bank to our bankgiro account.

In the app, you can apply for a personal loan of up to 400,000 SEK. The application is made via the app and you will receive an answer to your application directly in the app. In connection with your application, we collect a credit report that is visible to other creditors.

Yes, you need to download the P.F.C. app in the App Store or Google Play and register as a customer with BankID. In the app, you can then apply for a loan by clicking on the "Loan" widget.

The individual interest rate is set based on a risk assessment of your ability to repay the loan and is for example based on your income, form of employment and loan history. The interest you receive is variable, which means it can change during the repayment period.

Every month you repay (amortize) your loan and pay interest. The only fees that are added are a set-up fee of 395 SEK which we add on the first invoice, as well as an administration fee of 25 SEK per month. Read more about our prices here

Flex is a credit that is linked to your P.F.C. card and makes it possible to have a negative balance. If you apply and are approved to use Flex, you get access to a credit that you can use when you don't have enough balance on the card. Flex only costs when you choose to use it. Note that if you applied for and activated both Flex and Part payments, you have a common credit space. The granted credit is therefore valid for both services together.

With Flex activated on your P.F.C. card, you can be sure that every purchase will go through, up to 10,000 SEK. Flex is a credit buffer that is available on your card when you need it and costs only when you use it.

Flex only costs when you choose to use your granted credit. You pay a fixed interest for the days you have a negative balance. In addition to the current interest charge there is a minimum amount that you need to repay each month of the used credit. If you deposit and restore your balance before midnight on the same day you go into the red, we don't charge you any fees or interest. Read more about costs for the service here

When you have purchased something with your P.F.C. card, you can at any time within 90 days choose to get the money back for the purchase and instead split the payment over 3, 6 or 12 months. (Valid for purchases between 300–10 000 SEK). When you convert a purchase into an installment, the money for the purchase is directly deposited into your P.F.C. account. In addition to your debt, you pay a fixed monthly fee which is determined by the size of the original purchase amount. You can choose to pay the fee at any time and avoid the remaining months' fees. Note that if you applied for and activated both Flex and Part payments, you have a common credit space. The granted credit is therefore valid for both services together.

Absolutely! You apply to get access to Part payments in the app. When your application is approved, you can find the transaction in the app that you want to pay in installments and click on "part pay".

You can get a refund for a purchase you made with your P.F.C. card within 90 days of the purchase and instead choose to pay back the purchase in different installments in 3, 6 or 12 months. Read more about Part Payments here

The cost for part payments depends on how large the amount is and how many months you choose to split the repayment over. Read more about costs for the service here

Yes, we will request a credit check on you that is visible to other lenders when you apply for any of P.F.C.s credit products.