--- title: "Refinance your part payments | Anyfin" description: "Consolidate your part payments with Anyfin for a lower interest rate and better terms. Free to apply, right in the app, in just a few minutes." canonical: "https://anyfin.com/en_SE/services/partpayments" locale: "en_SE" --- ![Dolphin in a yellow vest and sun hat carrying a sofa on one fin and a beach bag on the other](https://cdn.anyfin.com/cms/Hero_Delfi_Part_Payments_4ffe76e03b.jpg) All part payments\ in one place ============ See if we can lower your interest rate. Move multiple part payments to the app and pay them off at your own pace. Apply now [Apply now](/en_SE/apply/refinance) - ## One payment Move all your loans to us and get a clear overview in the app. One monthly payment for all loans. - ## Choose your payment plan Pay off faster, or with a lower monthly cost. - ## New interest rate, no monthly fee When less money goes to interest, more can go towards paying off the debt. 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). ## Everything in one place, the app. “Buy now pay later” can be a convenient way to shop. But it easily turns into scattered small payments with different amounts, on different days, to different lenders. With Anyfin, you can gather everything in one place. - Several part payments, one bill - Choose your payment plan - Quick and easy in the app ![The Anyfin app shown on a phone lying on a wooden deck](https://cdn.anyfin.com/cms/App_Mockup_Deck_a76d1b0d3a.jpg) 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 of charge and non-binding. You decide at your own pace whether you want 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 loans, part payments or credit card invoices. 2. ### 2. We check We see if we can offer you new terms. 3. ### 3. You check Look through the terms at your own pace. Sign, and we take care of the transfer. [Apply now](/en_SE/apply/refinance) ![](https://cdn.anyfin.com/cms/Apply_Phone_f355eb34b3.png) ![](/assets/closing-cta-coin.svg) ## Combine your part payments See if we can lower the interest rate on your part payments. [Apply](/en_SE/apply/refinance) ## Frequently asked questions ### What types of loans can I refinance? Currently, we can help with credits such as installments, credit cards, personal loans or other similar credits. We are unfortunately unable to help you with your mortgage. ### How can you lower my interest rate? By offering individual interest rates based on an overall assessment rather than offering everyone the same conditions we can give interest rates that are likely lower than what your current lender offers. We also have fully automated processes that keep the costs down. But the most important reason is that your current lender is probably charging more than they should. ### Does it cost anything to apply? No, it is always free to apply for a reduced interest rate from Anyfin. ### Are there any hidden fees? We have no hidden fees. You as a customer only pay amortization and interest. You can also always pay off your credit early at no extra cost. Our goal is that you will never need to question whether you have fair conditions - it should always be a given. ### How much can I apply for? We can refinance credits up to SEK 300,000. ### Can I pay off my credit with you early? Of course, you can always pay more or choose to pay off your credit entirely at any time at no extra cost. You will find your current debt on my pages or in the app. ### What happens after an application is submitted? We will process your application immediately after you submit it and in connection with us handling it, we take one credit report (UC) in order to be able to determine if we are able to help you. Regardless if we can give you an offer or not, we will always let you know via email or SMS.