Loan with Payment Remark in Sweden

Posted by Picasoth on December 15th, 2020

Can I borrow money with a payment remark? The short answer is yes! You can still qualify for personal loans and loans to collect your previous loans despite payment remarks. We currently work with 44 banks and lenders and each of the processes and provides answers to your application for the loan individually.

So why is it harder to get a loan if you have many payment remarks? Well, before lenders have to lend money, they need to be sure that you will be able to repay it. A payment remark signals the exact opposite because you receive payment remarks when you have not repaid a loan, an invoice, or an invoice on time. This then makes it harder for lenders to believe you when you want to borrow money from them and automatically lowers even what is called your credit rating. Therefore, it is important to try to take advantage of the remaining factors that can help you get a larger loan amount for the loan even with the payment remark (lån med betalningsanmärkningar och skulder).

Creditworthiness is affected by several different factors such as, among other things, your current loans and credits, your income, and general life situation. If you have just turned 18, can also be important. Payment remarks also affect creditworthiness, as I said, and for some lenders, even a payment remark may mean that they will not want to grant you the loan. However, there are also many lenders who accept up to a maximum of 10 payment remarks, including several of our partners.

In addition to this, you of course need to meet the basic requirements to be able to apply for a loan through us. Most lenders have the same basic requirements, but sometimes the amount of income can vary.