--- title: "Lower the rate on your car loan | Anyfin" description: "Refinance your car loan with Anyfin. Apply and see if we can offer you a lower interest rate and better terms — it only takes a few minutes." canonical: "https://anyfin.com/en_SE/services/car-loans" locale: "en_SE" --- ![Delfi the dolphin wearing aviator goggles pushed up on its forehead and a yellow vest, holding a car key in front of a yellow vintage sports car](https://cdn.anyfin.com/cms/Delfi_Car_2_d5fb300ce6.jpg) # Same car, new interest rate. Upload your existing car loan, and see what we can offer you. [See what you could get](/en_SE/apply/refinance) - ## New interest rate, no monthly fee When less money goes to interest, more can go towards paying off the debt. - ## Choose your payment plan Pay off faster, or with a lower monthly cost. - ## Possibility of interest deduction Secured loans may entitle you to an interest deduction. Borrowing money costs money! If you cannot repay your debt in time, you are in the risk of receiving a record of non-payment. Having a record of non-payment means that you could experience difficulties to rent an accommodation, take out a subscription or being granted new credits. For support, please contact a Budget and Debt Advisor in your municipality. You can find contact details at [konsumentverket.se](https://konsumentverket.se). ## How do Anyfin’s car loans work? Anyfin does not issue car loans for buying a new car; we only refinance existing car loans. And only if we can offer a lower interest rate. - ### Car loans with collateral If your current car loan has the car as security, you may in some cases move the loan and keep it secured. This requires that you own the vehicle, bought it from a car dealer, can show the loan agreement, and that the loan is no more than 80% of the vehicle's value. Secured loans may qualify for an interest deduction. The Swedish Tax Agency (Skatteverket) always makes the final decision on what applies. - ### Car loans without collateral Prefer an unsecured loan instead? That works too, regardless of whether your current loan is secured or not. It can be a good option if you're planning to sell the car. Get in touch with our customer service and they'll guide you through the process. Keep in mind that unsecured loans don't qualify for an interest deduction. Why should I\ apply with Anyfin? ------------------ This could be for you if you: - ![](https://cdn.anyfin.com/master/web/illustrations/percentage.svg)pay a high interest rate - ![](https://cdn.anyfin.com/master/web/illustrations/coin.svg)want one payment per month, instead of several smaller ones - ![](https://cdn.anyfin.com/master/web/illustrations/wallet.svg)want to see if you can lower your monthly cost Applying is free and non-binding. You decide, in your own time, whether to accept the offer. ![A woman standing outdoors in a city, looking up while holding her phone](https://cdn.anyfin.com/cms/Woman_Phone_city_e10931d91c.png)AiThis image is AI generated Your payment plan,\ you decide. ----------- Pay off faster? Or the lowest possible monthly payment? You decide your pace. You can also apply for payment-free months. - Slow 299 SEK / month Debt free in: 40 months - Medium 459 SEK / month Debt free in: 24 months - Fast 749 SEK / month Debt free in: 14 months ## Three steps 1. ### 1. Upload Upload your current loan agreement and fill in a few details. 2. ### 2. Get an offer We review your loan to see if we can come back with an offer. 3. ### 3. Transfer the loan If you accept the offer, we pay off your old loan and you get a lower interest rate. [Apply now](/en_SE/apply/refinance) ![](https://cdn.anyfin.com/cms/Apply_Phone_f355eb34b3.png) ![](/assets/closing-cta-coin.svg) ## See if we can lower the interest rate on your car loan [Apply now](/en_SE/apply/refinance) ## FAQ ### Is my loan secured? Our loans can be either secured or unsecured, which will be shown in your offer. If your current loan has the vehicle as security, it can in some cases also be refinanced as a secured car loan. For that to be possible you need to own the vehicle, have bought it from a car dealer, be able to show the loan agreement, and the loan must be no more than 80% of the vehicle's value. ### Can I make extra payments on my car loan? Yes, you can always make extra payments on your loan to pay down your debt faster. ### Do I get an interest deduction? Anyfin's secured loans are used to refinance your car purchase from a car dealer. The loan has the vehicle as security (a lien). Under Swedish tax rules, interest on loans like this can be tax-deductible, provided the vehicle is registered to you as the borrower and the loan has security in the vehicle. The Swedish Tax Agency (Skatteverket) always makes the final assessment of whether an interest deduction can be granted in each individual case. For that reason, Anyfin can't guarantee the right to a deduction. ### What happens if I have a service agreement for my car? If you refinance the loan early, it may affect your service agreement. Check with your current lender or the service agreement provider to see what applies. ### Can I refinance both private leasing and a car loan? No, private leasing normally can't be refinanced since you don't own the vehicle. Only loans where you own the car can usually be refinanced. ### Can I refinance all types of vehicles? Yes, we can refinance several different vehicle types, for example cars, motorcycles, motorhomes, caravans, snowmobiles and boats. ### Can I transfer my car loan to someone else? No, the car loan is personal and can't be transferred to anyone else. ### Does moving the loan affect my car insurance? How the car is financed normally doesn't affect your car insurance. If you're unsure, contact your insurance company. Keep in mind that the car must be insured for the whole loan period. If you ever make an insurance claim, you'll need to tell your insurance company that Anyfin has security in the car and send them a copy of the credit agreement. ### Can I pay off my loan early? Yes, you can pay off your loan early at any time. Contact us to get a current settlement amount and information on how early repayment works.