---
title: "Refinance your personal loan | Anyfin"
description: "Gather your personal loans with Anyfin and see if we can offer you 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/personal-loans"
locale: "en_SE"
---

![Delfi the dolphin relaxing in a bubble-filled clawfoot bathtub against a yellow background](https://cdn.anyfin.com/cms/Delfi_Bathtub_3_78c2e26c7f.jpg)

# Apply with your loan

See if we can lower the interest rate on your loan.

[Apply now](/en_SE/apply/refinance)

- ## New interest rate, no monthly fee

  When less money goes to interest, more can go towards paying off the debt.

- ## Clear terms

  See your current interest rate, future payments and when you are expected to have paid everything off.

- ## One payment

  Move all your loans to us and get a clear overview in the app. One monthly payment for all loans.

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).

## You can’t borrow more here

We don’t want to contribute to more borrowing. At Anyfin, you can instead apply to lower the interest rate on a loan you have already taken out elsewhere. You can apply with loans of up to SEK 300,000. In the app, you can then easily keep track of your payments and adjust your pace.

![The Anyfin app showing a loan overview, payment schedule and account balance across three phone screens.](https://cdn.anyfin.com/cms/App_3_Mockup_4d714c402d.png)

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 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)

## See if we can lower your interest rate

Apply with your loan and see if we can offer you new terms.

[Apply now](/en_SE/apply/refinance)

## FAQ

### What do you mean by reduced interest rates on credits?

We lower the interest rate on existing loans in the form of e.g. installments, credit cards and personal loans. In other words, you can refinance your credits or installments up to 300,000 kr.

### 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.

### Do you take a credit report?

Yes, we take a credit report. It is the basis for our credit rating. No matter how many invoices you submit we only take one (1) credit report from Upplysningscentralen (UC) which is valid with us for 30 days. If you already are an Anyfin-customer, the validity period is 60 days. Read more at www\.uc.se

### How much can I apply for?

We can refinance credits up to SEK 300,000.

### Can I pay by direct debit?

We offer payment by direct debit. You can sign up for direct debit payment in our 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.