Låna upp till
400 000 kr

Borrow up to
400 000 SEK

Apply for a personal loan and get your offer directly in the P.F.C. app.

Incl. amortization and interest, excl. admin fee


Loan amount
100 000 SEK
Repayment term
4 Years
Setup fee
395 SEK
Admin fee per month
25 SEK
Interest (APR*)
7,9% (8,99%*)
Monthly repayment
2 462 SEK
Number of repayments
Total to pay back
118 552 SEK

*The interest is variable and may change during the repayment term.

View Terms for Personal loans and SECCI for Personal loans.

Straightforward repayment plan
Interest from 6,49%
Repay more if you want

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1. Download the P.F.C. app

2. Apply for a loan

3. Sign your loan offer with BankID

4. Receive the money within 1-2 days

Frequently asked questions

Do I need to be a P.F.C. customer to apply for a loan?

Yes, before applying for a loan, you need to download the app from AppStore or Google Play and register with BankID. Click on the “Loans” widget and apply for your loan.

How does Personal Loan work?

You can apply for a loan for up to 400 000 SEK. You apply 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.

How fast do I get my money?

If your application is approved, your loan gets paid out within three banking days after you’ve signed the credit agreement.

How is my personal interest rate set?

The interest on your loan varies between 6,49–25,95%. Your interest is individual and based on your credit score.

What interest rate do I get?

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.

When is the loan disbursed?

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.

How long is the repayment period?

When you apply, you can choose a repayment period that best suits you between 1-10 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.

Can I repay the loan earlier?

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.

Who can apply for a personal loan with P.F.C.?

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 in the app, we also look at how you managed your repayments for these.

How do I pay back?

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.

What costs are added in addition to interest?

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.

Do I have to tell you how I will use the loan?

Yes, you need to state the reason for the loan in connection with your application.

Can I pay by direct debit?

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.

What happens if I can't pay for a month?

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 app, and we will try to help you in the best way possible.

Can I pause the amortization?

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 app while logged in.

How much can I borrow?

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”

Hanna, 22

Contact us

Contact us with questions about personal loans. If you need help with a personal enquiry we'll help you in the chat within the app. Log in with BankID.

Contact us

Contact us with questions about personal loans. If you need help with a personal enquiry we'll help you in the chat within the app. Log in with BankID.

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