--- title: "Lower your interest with Anyfin – learn how it works here!" description: "Better terms and more flexibility is what we do at Anyfin. Find out more about how we can lower interest rates here." canonical: "https://anyfin.com/en_SE/services/refinance" locale: "en_SE" --- ![The Anyfin app on three phone screens: an overview, the balance left to pay and direct debit switched on](https://cdn.anyfin.com/cms/Hero_App5_698fcab38c.png) The app for\ your loans ========== See if we can offer you a new interest rate on your loans, credit cards or part payments. Get an overview and choose your repayment pace. [Download the app](https://anyfin.onelink.me/mza5/main) 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). ## Why does Anyfin exist? Many loans, part payments and credit cards cost more than they should. On top of that, high interest rates, fees and messy arrangements make it unnecessarily hard to stay in control. But it doesn't have to be that way. Anyfin can give you new terms on your existing loans, lower your interest rate and collect everything in one app. Where you have an overview of and control over your repayment. Without unnecessary fees. - ![](https://cdn.anyfin.com/master/web/illustrations/coin.svg) ### One payment Move all your loans to us and get a clear overview in the app. One monthly payment for all loans. - ![](https://cdn.anyfin.com/master/web/illustrations/gauge.svg) ### More control Change your monthly payment, pay extra or apply to pause for a month. - ![](https://cdn.anyfin.com/master/web/illustrations/cogs.svg) ### Automatic payments Put your payments on autopilot, so you don't have to think about it. - ![](https://cdn.anyfin.com/master/web/illustrations/magnifying-glass.svg) ### Clear terms See your current interest rate, future payments and when you are expected to have paid everything off. 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) ## See if we can lower your interest rate Do you have loans, credit cards or part payments? Apply and see what we can offer you. [Apply now](/en_SE/apply/refinance) ## Frequently asked questions ### Is my application with Anyfin binding? An application with Anyfin is free of charge and non-binding. When you receive an offer from us, you have 7 days to decide whether you want to accept it. ### How can Anyfin lower my costs? Many lenders give the same high interest rate to all their customers. We, on the other hand, carry out an individual credit check and offer you an interest rate that suits your financial situation. We also have fully automated processes that keep costs low. The main reason, however, is that many lenders charge unnecessarily high interest rates. ### Is there a maximum amount? Yes, you can apply with loans and credits up to 300 000 SEK as a sole borrower, and up to 500 000 SEK with a co-borrower. ### Do you perform a credit check? Yes, we perform a credit check. It forms the basis of our credit assessment. Regardless of how many invoices you submit, we only perform one credit check with Upplysningscentralen (UC), which is valid with us for 30 days. If you are or become our customer, the validity period is extended to 60 days. [More FAQs](/en_SE/faq/about-anyfin)