{"id":4432,"date":"2015-04-12T12:19:36","date_gmt":"2015-04-12T10:19:36","guid":{"rendered":"https:\/\/financer.se\/?page_id=4432"},"modified":"2024-09-17T09:48:16","modified_gmt":"2024-09-17T07:48:16","slug":"studentlan","status":"publish","type":"page","link":"https:\/\/financer.se\/lana-pengar\/studentlan\/","title":{"rendered":"Studentl\u00e5n"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Jmfr_bsta_studentln_p_Financercom\">J\u00e4mf\u00f6r b\u00e4sta studentl\u00e5n p\u00e5 Financer.com<\/h2>\n\n\n\n<p>\u00c4r du student och beh\u00f6ver l\u00e5na pengar? R\u00e4cker inte pengarna fr\u00e5n CSN till? H\u00e4r j\u00e4mf\u00f6r vi de b\u00e4sta studentl\u00e5nen 2024.<\/p>\n\n\n\n<ul>\n<li>Studentl\u00e5n med l\u00e4gst r\u00e4nta och h\u00f6gst beviljandegrad<\/li>\n\n\n\n<li>Risker med att l\u00e5na pengar som student<\/li>\n\n\n\n<li>T\u00e4nk p\u00e5 detta om du \u00e4r student och beh\u00f6ver <a href=\"https:\/\/financer.se\/lana-pengar\/\" data-type=\"page\" data-id=\"5080\">l\u00e5na pengar<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Studentln_i_jmfrelsen\">Studentl\u00e5n i j\u00e4mf\u00f6relsen<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Information<\/th><th>Beskrivning<\/th><\/tr><\/thead><tbody><tr><td>Antal l\u00e5nef\u00f6retag i j\u00e4mf\u00f6relsen<\/td><td>5 st<\/td><\/tr><tr><td>Antal snabbl\u00e5n<\/td><td>1 st<\/td><\/tr><tr><td>Antal privatl\u00e5n<\/td><td>4 st<\/td><\/tr><tr><td>L\u00f6ptid<\/td><td>4 m\u00e5n \u2013 20 \u00e5r<\/td><\/tr><tr><td>Nominell r\u00e4nta<\/td><td>6,40% \u2013 43,99%<\/td><\/tr><tr><td>Effektiv r\u00e4nta<\/td><td>3,01% \u2013 54,05%<\/td><\/tr><tr><td>L\u00e5nebelopp<\/td><td>4000 kr &#8211; 600 000 kr<\/td><\/tr><tr><td><a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/\">Utan UC<\/a><\/td><td>1 st<\/td><\/tr><tr><td>Godk\u00e4nner betalningsanm\u00e4rkningar<\/td><td>Ja (individuell bed\u00f6mning)<\/td><\/tr><tr><td><a href=\"https:\/\/financer.se\/blogg\/gar-det-att-lana-pengar-med-skuld-hos-kronofogden\/\">Accepterar skulder hos Kronofogden<\/a><\/td><td>Nej<\/td><\/tr><tr><td>H\u00f6gkostnadskrediter<\/td><td>1 st<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_self\"  >J\u00e4mf\u00f6relse av 5 studentl\u00e5n<\/a><\/div>\n\n\n\t\t<div id=\"genericloan_1_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>J\u00e4mf\u00f6r l\u00e5n fr\u00e5n 77 l\u00e5nef\u00f6retag<\/h3><p>Hitta b\u00e4sta l\u00e5n med l\u00e4gst r\u00e4nta. Med bara ett klick.<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.se\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=2&\" data-slider-url=\"https:\/\/financer.se\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=2&\" data-required=\"resultat?query=1non_affiliate=true&param_amount=10000&param_period=2&\" class=\"get_results compare button is-primary is-medium is-rounded\">J\u00e4mf\u00f6r nu<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Vanliga_frgor_om_ln_till_studenter\">Vanliga fr\u00e5gor om l\u00e5n till studenter<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Kan jag l\u00e5na pengar utan inkomst som student?<\/h4><div class=\"faq_inner\"><p>Nej, studiemedel fr\u00e5n CSN r\u00e4knas normalt inte som en inkomst och alla l\u00e5ngivare beh\u00f6ver n\u00e5gon form av deklarerad inkomst f\u00f6r att kunna l\u00e5na ut pengar till dig.<\/p>\n<p>D\u00e4remot finns det l\u00e5ngivare som accepterar l\u00e5ntagare med en v\u00e4ldigt l\u00e5g m\u00e5nadsinkomst. L\u00e5ngivaren g\u00f6r alltid en individuell bed\u00f6mning.<\/p><\/div><h4>Vilket l\u00e5n ska jag v\u00e4lja som student?<\/h4><div class=\"faq_inner\"><p>I f\u00f6rsta hand ska du v\u00e4lja CSN:s studiel\u00e5n d\u00e5 det \u00e4r mycket f\u00f6rdelaktigt. Har du ett extrajobb och \u00e4r n\u00e5gorlunda kreditv\u00e4rdig (inga \u00f6vriga l\u00e5n eller kreditkort) kan du ans\u00f6ka om <a href=\"https:\/\/financer.se\/lana-pengar\/privatlan\/\">privatl\u00e5n<\/a>.<\/p>\n<p><a href=\"https:\/\/financer.se\/lana-pengar\/smslan\/\">Smsl\u00e5n<\/a> \u00e4r n\u00e5got du helst b\u00f6r undvika d\u00e5 det \u00e4r en l\u00e5neform som har mycket h\u00f6g r\u00e4nta och kort \u00e5terbetalningstid.<\/p><\/div><h4>Kan man ta bol\u00e5n som student?<\/h4><div class=\"faq_inner\"><p>F\u00f6r att ta ett bol\u00e5n som student beh\u00f6ver du en meds\u00f6kande, oftast en f\u00f6r\u00e4lder, som st\u00e5r med p\u00e5 l\u00e5net.\u00a0<\/p>\n<p>Banken kommer inte bevilja bol\u00e5n till personer som bara har CSN som inkomst.\u00a0<\/p><\/div><h4>G\u00e5r det att ta ett bill\u00e5n om jag \u00e4r student?<\/h4><div class=\"faq_inner\"><p>Bill\u00e5n utan s\u00e4kerhet fungerar precis som privatl\u00e5n. Allts\u00e5 tittar l\u00e5ngivaren p\u00e5 dina inkomster och utgifter och g\u00f6r en bed\u00f6mning d\u00e4refter.<\/p>\n<p>Har du bara CSN som inkomst, och ingen meds\u00f6kande, kommer det d\u00e4rf\u00f6r blir sv\u00e5rt att f\u00e5 ett l\u00e5n till bil beviljat.\u00a0<\/p><\/div><h4>Vilken r\u00e4nta f\u00e5r jag p\u00e5 studentl\u00e5n?<\/h4><div class=\"faq_inner\"><p>R\u00e4ntan s\u00e4tts alltid individuellt, men r\u00e4kna med en h\u00f6gre r\u00e4nta eftersom du som student inte har en s\u00e5 h\u00f6g inkomst.<\/p>\n<p>F\u00f6rs\u00f6k ha med en meds\u00f6kande p\u00e5 l\u00e5net, d\u00e5 f\u00e5r du antagligen b\u00e4ttre villkor.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i8_steg_fr_anska_om_ett_ln_som_student\">8 steg f\u00f6r ans\u00f6ka om ett l\u00e5n som student<\/h2>\n\n\n<div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Steg 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Jamfor-studentlan-i-listan\">J\u00e4mf\u00f6r studentl\u00e5n i listan<\/h3><p><a href=\"#top\">H\u00f6gst upp p\u00e5 den h\u00e4r sidan<\/a> hittar du en lista med 5 studentl\u00e5n. Dessa \u00e4r de b\u00e4sta studentl\u00e5nen enligt oss p\u00e5 Financer.com. J\u00e4mf\u00f6r l\u00e5nen utifr\u00e5n r\u00e4nta, villkor, avgifter och omd\u00f6me fr\u00e5n kunder.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Steg 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Recension-av-laneforetag\">Recension av l\u00e5nef\u00f6retag<\/h3><p>Vill du l\u00e4sa mer om ett specifikt l\u00e5nef\u00f6retag? D\u00e5 kan du s\u00f6ka p\u00e5 f\u00f6retagsnamnet h\u00f6gst upp till h\u00f6ger p\u00e5 sidan genom att klicka p\u00e5 f\u00f6rstoringsglaset.<\/p>\n<p>Vi har recenserat alla l\u00e5ngivare vi har med i j\u00e4mf\u00f6relsen. I recensionen f\u00e5r du mer djupg\u00e5ende information om l\u00e5nerbjudandet och v\u00e5r \u00e4rliga bed\u00f6mning om f\u00f6retaget.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Steg 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Besok-laneforetagets-hemsida\">Bes\u00f6k l\u00e5nef\u00f6retagets hemsida<\/h3><p>Har du hittat en l\u00e5ngivare som verkar matcha dina behov? D\u00e5 klickar du p\u00e5 den bl\u00e5 knappen &#8221;Se erbjudande&#8221; till h\u00f6ger. D\u00e5 kommer du till l\u00e5nef\u00f6retagets hemsida d\u00e4r du genomf\u00f6r en ans\u00f6kan.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Steg 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Fyll-i-laneansokan\">Fyll i l\u00e5neans\u00f6kan<\/h3><p>Exakt hur l\u00e5neans\u00f6kan g\u00e5r till skiljer sig n\u00e5got \u00e5t mellan olika l\u00e5nef\u00f6retag. Men generellt sett anger du l\u00e5nebelopp, \u00f6nskad \u00e5terbetalningstid och klickar sedan p\u00e5 &#8221;vidare&#8221;.<\/p>\n<p>I n\u00e4sta steg beh\u00f6ver du ange dina personuppgifter, telefonnummer, e-postadress, inkomst, syssels\u00e4ttning och om det eventuellt finns en meds\u00f6kande.<\/p>\n<p>H\u00e4r \u00e4r det viktigt att vara \u00e4rlig och ange att du har CSN som enda inkomst (om s\u00e5 \u00e4r fallet). Om du har extrajobb ska du sj\u00e4lvklart ange inkomsterna fr\u00e5n detta ocks\u00e5.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Steg 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Signera-ansokan\">Signera ans\u00f6kan<\/h3><p>Signera din ans\u00f6kan med BankID och skicka in.<\/p>\n<p>Om du har ans\u00f6kt hos en l\u00e5nef\u00f6rmedlare kommer nu l\u00e5nef\u00f6rmedlaren att h\u00f6ra av sig till alla sina samarbetspartner f\u00f6r att se om de accepterar din ans\u00f6kan och vilken r\u00e4nta de kan erbjuda.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_6\">Steg 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Las-igenom-avtalet-noga\">L\u00e4s igenom avtalet noga<\/h3><p>N\u00e4r du f\u00e5tt svar fr\u00e5n l\u00e5nef\u00f6rmedlaren eller l\u00e5nef\u00f6retaget \u00e4r det v\u00e4ldigt viktigt att l\u00e4sa igenom avtalet noga (om du blir beviljat l\u00e5net).<\/p>\n<p>Kontrollera r\u00e4ntor, avgifter och r\u00e4kna p\u00e5 att du klarar av \u00e5terbetalningen.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_7\">Steg 7<\/div><div class=\"single-article__steps-content\"><h3 id=\"Valj-ratt-aterbetalningstid\">V\u00e4lj r\u00e4tt \u00e5terbetalningstid<\/h3><p>Det \u00e4r v\u00e4ldigt viktigt att v\u00e4lja en \u00e5terbetalningstid som passar din ekonomiska situation. En kortare \u00e5terbetalningstid \u00e4r alltid billigare men inneb\u00e4r en h\u00f6gre m\u00e5nadskostnad.<\/p>\n<p>Se till att v\u00e4lja en \u00e5terbetalning som passar din ekonomiska situation.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_8\">Steg 8<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pengarna-betalas-ut\">Pengarna betalas ut<\/h3><p>N\u00e4r allt \u00e4r klart \u00e4r det dags att signera l\u00e5neavtalet vilket oftast g\u00f6rs med BankID. Pengarna kommer d\u00e5 att betalas ut till ditt konto inom de n\u00e4rmaste dagarna.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i3_bsta_studentln_fn_date_formatY_med_lgst_rnta\">3 b\u00e4sta studentl\u00e5n 2024 med l\u00e4gst r\u00e4nta<\/h2>\n\n\n\n<p>Vilka \u00e4r de b\u00e4sta l\u00e5nen f\u00f6r studenter 2024 med l\u00e4gst r\u00e4nta? H\u00e4r \u00e4r de tre mest popul\u00e4ra alternativen enligt v\u00e5ra bes\u00f6kare.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/lendo\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-8.png\" class=\"attachment-full size-full\" alt=\"Lendo Logo\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>11&nbsp;103<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >En av Sveriges mest k\u00e4nda l\u00e5nef\u00f6rmedlare<\/li><li >J\u00e4mf\u00f6r l\u00e5neerbjudanden fr\u00e5n 40 banker<\/li><li >Ans\u00f6kan med BankID online<\/li><li >En kreditupplysning hos UC<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">10000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">600000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">4.70<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">33.75<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 \u00c5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/lendo\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4199\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/lendo\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/lendo\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.4\">4.4<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/lendo\/#read-reviews\">37<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: Annuitetsl\u00e5n 12 \u00e5r. Effektiv \u00e5rsr\u00e4nta 6.98%. Ett l\u00e5n p\u00e5 200 000 kr kostar d\u00e5 2032 kr\/m\u00e5nad (144 avbetalningar), dvs totalt 292 653 kr. Ingen start-\/aviavgift. 6.77% nominell r\u00e4nta (r\u00f6rlig r\u00e4nta, s\u00e4tts individuellt baserat p\u00e5 dina f\u00f6ruts\u00e4ttningar). Ans\u00f6kan kommer att skickas till de kreditgivare som b\u00e4st matchar din profil, uppdaterat 2023-10-06.  \u00c5terbetalningstid 1-15 \u00e5r. Maximala r\u00e4ntan \u00e4r 33,75%. R\u00e4ntespann mellan: 4,70%-33,75%.<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/zmarta\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-20.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>8&nbsp;049<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >L\u00e5nef\u00f6rmedlare med 35+ partners<\/li><li >Kan acceptera betalningsanm\u00e4rkningar<\/li><li >Gratis att ans\u00f6ka online<\/li><li >J\u00e4mf\u00f6r ocks\u00e5 f\u00f6rs\u00e4kringar, kreditkort, elavtal etc.<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">600000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">4.95<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">29.40<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 \u00c5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/zmarta\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"3556\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/zmarta\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/zmarta\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/zmarta\/#read-reviews\">14<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: R\u00e4ntan \u00e4r r\u00f6rlig och s\u00e4tts individuellt. F\u00f6r ett annuitetsl\u00e5n p\u00e5 180 000 kr med 10 \u00e5r l\u00f6ptid, nominell r\u00e4nta 7,95 % med 0 kr i startavgift\/aviavgift blir den effektiva r\u00e4ntan 8,25 %. Totalt belopp att betala 261 497 kr f\u00f6rdelat p\u00e5 120 avbetalningar ger en m\u00e5nadskostnad p\u00e5 2 179 kr. Uppdaterat 2023-11-01.  \u00c5terbetalningstid 1-20 \u00e5r. Maximala r\u00e4ntan \u00e4r 29,4 %. R\u00e4ntespann 4,95-29,4 %  Din ans\u00f6kan skickas till de kreditgivare som b\u00e4st matchar din profil<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/compari\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"110\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/compari-logo.jpg\" class=\"attachment-full size-full\" alt=\"Compari Logotyp\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/compari-logo.jpg 360w, https:\/\/financer.global\/app\/uploads\/sites\/2\/compari-logo-300x92.jpg 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>986<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >L\u00e5nef\u00f6rmedlare som samarbetar med Sambla, Enklare och Klara L\u00e5n.<\/li><li >Upp till 40 l\u00e5neerbjudanden med en ans\u00f6kan<\/li><li >Endast en slagning mot UC<\/li><li >Ans\u00f6kan med BankID online<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">600000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">2.95<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">22.59<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 \u00c5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/compari\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"27855\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/compari\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/compari\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/compari\/#read-reviews\">2<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >R\u00e4nteexempel: F\u00f6r ett annuitetsl\u00e5n p\u00e5 310000 kr med 12 \u00e5rs l\u00f6ptid, nominell r\u00e4nta 6.94 % och 0 kr i uppl\u00e4ggnings-\/aviavgift blir den effektiva r\u00e4ntan 7.17 %. Totalt belopp att betala: 457643 kr.<\/div><\/div><\/div><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>S\u00e5 sparar du <span class=\"compare-amount\">1&nbsp;940,00 kr <\/span> p\u00e5 ditt l\u00e5n<\/h3>\n\t\t\t\t<p>Prisskillnaden f\u00f6r ett 10&nbsp;000,00 kr l\u00e5n under 90 dagar \u00e4r 1&nbsp;940,00 kr.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.se\/resultat\/?query=1&filter_non_affiliate=1&param_amount=10000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Se hur du kan spara p\u00e5 ditt l\u00e5n<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Gr_det_att_ta_ett_smsln_som_student\">G\u00e5r det att ta ett smsl\u00e5n som student?<\/h2>\n\n\n\n<p>Snabbl\u00e5n eller smsl\u00e5n \u00e4r den typ av l\u00e5n som \u00e4r enklast att f\u00e5 beviljat om du \u00e4r student. Smsl\u00e5ngivare st\u00e4ller l\u00e4gre krav p\u00e5 inkomst och kan \u00e4ven acceptera dig som har betalningsanm\u00e4rkningar. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"En_inkomst_krvs_alltid\">En inkomst kr\u00e4vs alltid<\/h3><p>Dock kommer det alltid att kr\u00e4vas att du har n\u00e5gon form av inkomst som inte \u00e4r CSN. Inkomsten kan tex. komma fr\u00e5n ett extrajobb.<\/p><\/div>\n\n\n<p>T\u00e4nk p\u00e5 att <a href=\"https:\/\/financer.se\/lana-pengar\/smslan\/\" data-type=\"page\" data-id=\"3348\">snabbl\u00e5n<\/a> alltid en d\u00e5lig id\u00e9. Dessa l\u00e5n har mycket h\u00f6g r\u00e4nta och kort \u00e5terbetalningstid och g\u00f6r att risken \u00f6kar f\u00f6r att du hamnar i den s\u00e5 kallade skuldf\u00e4llan. Om du hamnar i skuldf\u00e4llan betyder det att du beh\u00f6ver ta nya l\u00e5n f\u00f6r att \u00e5terbetala det gamla. <\/p>\n\n\n\n<p>Som student b\u00f6r du allts\u00e5 vara mycket f\u00f6rsiktig med dessa typer av snabbl\u00e5n. Det \u00e4r mycket b\u00e4ttre att anv\u00e4nda <a href=\"https:\/\/financer.se\/spara\/\" data-type=\"page\" data-id=\"18702\">sparade pengar<\/a> eller att undvika on\u00f6diga ink\u00f6p som beh\u00f6ver finansieras med ett snabbl\u00e5n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_mest_populra_snabbln_fr_studenter\">3 mest popul\u00e4ra snabbl\u00e5n f\u00f6r studenter<\/h3>\n\n\n\n<p>Om du trots det vill ta ett smsl\u00e5n som student har vi h\u00e4r listat 3 bra alternativ.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/ferratum\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"386\" height=\"300\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-ferratum.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-ferratum.png 386w, https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-ferratum-300x233.png 300w\" sizes=\"(max-width: 386px) 100vw, 386px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>21&nbsp;159<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Smsl\u00e5n med h\u00f6g beviljandegrad<\/li><li >Direkt utbetalning av l\u00e5net<\/li><li >Gratis att \u00e5terbetala l\u00e5net i f\u00f6rtid<\/li><li >Inga \u00f6vriga avgifter<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">2000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">40000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">43.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">43.99<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">3 m\u00e5nader<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">4 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">21 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/ferratum\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1138\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/ferratum\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/ferratum\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/ferratum\/#read-reviews\">64<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: Utnyttjad kredit om 25 000 kr i 12 m\u00e5nader, totalt belopp att \u00e5terbetala 30 755,29 kr (snitt 2 563 kr per m\u00e5nad). Effektiv \u00e5rsr\u00e4nta: 51,84 %. Kontokredit med variabel nominell \u00e5rsr\u00e4nta p\u00e5 42.4999795 %. \u00d6vriga avgifter: Uppl\u00e4ggningsavgift 0 kr.<\/div><div class=\"items-content__card-description\" ><p style=\"font-size: 14px; color: #555; padding: 10px; border: 1px solid #eee; border-radius: 3px;\"><img decoding=\"async\" class=\"alignleft wp-image-26825 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/symbol_250px.png\" alt=\"H\u00f6gkostnadskredit\" width=\"50\" height=\"50\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><b>Det h\u00e4r \u00e4r en h\u00f6gkostnadskredit.<br \/><\/b>Om du inte kan betala tillbaka hela skulden riskerar du en betalningsanm\u00e4rkning. F\u00f6r st\u00f6d, v\u00e4nd dig till budget- och skuldr\u00e5dgivningen i din kommun. Kontaktuppgifter finns p\u00e5 <a href=\"https:\/\/www.hallakonsument.se\/\" target=\"_blank\" rel=\"noopener\">hall\u00e5konsument.se<\/a>.<\/p>\n<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/smspengar\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-3-1.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>11&nbsp;201<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Smsl\u00e5n (kontokredit) med utbetalning direkt<\/li><li >Inloggningsfunktion f\u00f6r existerande kunder<\/li><li >R\u00e4nta bara p\u00e5 pengarna du anv\u00e4nder<\/li><li >Flexibel l\u00f6ptid p\u00e5 l\u00e5n<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">30000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">42.50<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">42.50<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5nad<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">5 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">18 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/smspengar\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1446\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/smspengar\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/smspengar\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.6\">3.6<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/smspengar\/#read-reviews\">20<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: (2024-01-16): Utnyttjad kredit om 15 000 kr i 12 m\u00e5nader, totalt att \u00e5terbetala 19 725 kr (snitt 1 644 kr per m\u00e5nad). Effektiv \u00e5rsr\u00e4nta: 71.04%. Kontokredit med r\u00f6rlig nominell \u00e5rsr\u00e4nta p\u00e5 44.00%. Avgifter: Uppl\u00e4ggningsavgift 280 kr. Uttagsavgift 95 kr. Avi\/M\u00e5nadsavgift: 45 kr. L\u00e5nexemplet f\u00f6ruts\u00e4tter ett uttag med avgift, en uppl\u00e4ggningsavgift samt 12 avi\/m\u00e5nadsavgifter.<\/div><div class=\"items-content__card-description\" ><p style=\"font-size: 14px; color: #555; padding: 10px; border: 1px solid #eee; border-radius: 3px;\"><img decoding=\"async\" class=\"alignleft wp-image-26825 size-full\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/2\/symbol_250px.png\" alt=\"H\u00f6gkostnadskredit\" width=\"50\" height=\"50\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/2\/symbol_250px-75x75.png 75w\" sizes=\"(max-width: 50px) 100vw, 50px\" \/><b>Det h\u00e4r \u00e4r en h\u00f6gkostnadskredit.<br \/><\/b>Om du inte kan betala tillbaka hela skulden riskerar du en betalningsanm\u00e4rkning. F\u00f6r st\u00f6d, v\u00e4nd dig till budget- och skuldr\u00e5dgivningen i din kommun. Kontaktuppgifter finns p\u00e5 <a href=\"https:\/\/www.hallakonsument.se\/\" target=\"_blank\" rel=\"noopener\">hall\u00e5konsument.se<\/a>.<\/p>\n<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/northmill\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-1-4.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>2&nbsp;284<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Kontokredit d\u00e4r du endast betalar r\u00e4nta f\u00f6r pengarna du tar ut<\/li><li >Individuell r\u00e4ntes\u00e4ttning<\/li><li >Ingen uppl\u00e4ggningsavgift<\/li><li >Kostnadsfri app ing\u00e5r<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta l\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f6gsta L\u00e5nebelopp<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">7.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">\u00c5rlig r\u00e4nta<\/span><span class=\"items-content__card-datapoint-value\">25.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Kortaste \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5nad<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4ngsta \u00e5terbetalningstid<\/span><span class=\"items-content__card-datapoint-value\">6 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Ja. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e4gsta \u00e5lder<\/span><span class=\"items-content__card-datapoint-value\">20 \u00e5r<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/northmill\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"7457\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/northmill\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/northmill\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/northmill\/#read-reviews\">16<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: Vid kredit om 50 000 kr till 12,9 % \u00e5rsr\u00e4nta (r\u00f6rlig) under ett \u00e5r med 12 \u00e5terbetalningar, en uttagsavgift om 195 kr samt en administrativ m\u00e5nadsavgift om 19 kr blir totalt belopp att \u00e5terbetala 53 999 kr (4 500 kr per m\u00e5nad) och den effektiva r\u00e4ntan 15,4 %.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Varfr_r_CSN_bttre_n_privatln_som_student\">Varf\u00f6r \u00e4r CSN b\u00e4ttre \u00e4n privatl\u00e5n som student?<\/h2>\n\n\n\n<p>Som student b\u00f6r du i f\u00f6rsta hand ans\u00f6ka om ett CSN-l\u00e5n. CSN-l\u00e5n \u00e4r ett l\u00e5n fr\u00e5n staten speciellt f\u00f6r studenter. Dessa l\u00e5n har en mycket l\u00e4gre r\u00e4nta \u00e4n andra <a href=\"https:\/\/financer.se\/lana-pengar\/privatlan\/\" data-type=\"page\" data-id=\"1833\">privatl\u00e5n<\/a>, vilket g\u00f6r det till en f\u00f6rdelaktig l\u00e5neform. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Lg_rnta_p_CSN_ln\">L\u00e5g r\u00e4nta p\u00e5 CSN-l\u00e5n<\/h3><p>\u00c5r 2024 \u00e4r r\u00e4ntan p\u00e5 CSN-l\u00e5n 1,24 %. En s\u00e5 l\u00e5g r\u00e4nta kommer du aldrig hitta hos en privat l\u00e5ngivare eller snabbl\u00e5nef\u00f6retag.<\/p>\n<p>L\u00e4s mer om CSN och vilken r\u00e4nta l\u00e5nen har genom att <a href=\"https:\/\/www.csn.se\/betala-tillbaka\/betala-tillbaka-studielan\/ranta-och-avgifter.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"link\" data-id=\"https:\/\/www.csn.se\/betala-tillbaka\/betala-tillbaka-studielan\/ranta-och-avgifter.html\">klicka h\u00e4r<\/a>.<\/p><\/div>\n\n\n<p>En del av CSN-l\u00e5net best\u00e5r av ett bidrag och den andra delen \u00e4r ett l\u00e5n som beh\u00f6ver \u00e5terbetalas. \u00c5terbetalningstiden f\u00f6r CSN-l\u00e5net \u00e4r mycket l\u00e5ng, vilket g\u00f6r att du kan betala tillbaka det under en l\u00e5ng tid fram\u00f6ver.<\/p>\n\n\n\n<p><strong>S\u00e5 f\u00f6rs\u00f6k att leva p\u00e5 ett s\u00e4tt som g\u00f6r att det r\u00e4cker med ers\u00e4ttningen fr\u00e5n CSN s\u00e5 att du slipper ta ett privatl\u00e5n som student.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i3_risker_med_studentln\">3 risker med studentl\u00e5n<\/h2>\n\n\n\n<p>Nedan har vi listat 3 risker om du funderar p\u00e5 att l\u00e5na pengar om student.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Hgre_rnta\">1. H\u00f6gre r\u00e4nta<\/h3>\n\n\n\n<p>Om du \u00e4r student inneb\u00e4r det ofta att du har en relativt l\u00e5g inkomst. Detta kommer att g\u00f6ra att banker och l\u00e5ngivare erbjuder dig en h\u00f6gre r\u00e4nta p\u00e5 l\u00e5net \u00e4n vad de annars skulle g\u00f6ra. Detta g\u00f6r att ett studentl\u00e5n blir dyrt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Kort_terbetalningstid\">2. Kort \u00e5terbetalningstid<\/h3>\n\n\n\n<p>Om du funderar p\u00e5 att ta ett snabbl\u00e5n m\u00e5ste du vara medveten om att l\u00e5net kan ha en kort \u00e5terbetalningstid (framf\u00f6rallt om det \u00e4r ett snabbl\u00e5n). <\/p>\n\n\n\n<p>Det g\u00f6r att du kan uppleva en tuff ekonomisk press under denna period vilket kan p\u00e5verka dina studier negativt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Pverkar_din_kreditvrdighet\">3. P\u00e5verkar din kreditv\u00e4rdighet<\/h3>\n\n\n\n<p>Att ta ett studentl\u00e5n kommer att p\u00e5verka din kreditv\u00e4rdighet. Detta kan g\u00f6ra det sv\u00e5rare att tex. f\u00e5 ett <a href=\"https:\/\/financer.se\/lana-pengar\/bolan\/\" data-type=\"page\" data-id=\"3320\">bol\u00e5n<\/a> i framtiden beviljat. <\/p>\n\n\n\n<p>S\u00e5 t\u00e4nk p\u00e5 att om du vill ta ett snabbl\u00e5n eller privatl\u00e5n som student, s\u00e5 kan det leda till att det blir sv\u00e5rare att f\u00e5 ett bol\u00e5n i framtiden n\u00e4r du \u00e4r klar med studierna.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jmfr_studentln_hr_p_Financercom\">J\u00e4mf\u00f6r studentl\u00e5n h\u00e4r p\u00e5 Financer.com<\/h2>\n\n\n\n<p>Om du best\u00e4mmer dig f\u00f6r att ta ett studentl\u00e5n b\u00f6r du alltid j\u00e4mf\u00f6ra olika alternativ f\u00f6rst. R\u00e4ntor, avgifter och beviljandegrad kan skilja sig \u00e5t ganska kraftigt mellan olika l\u00e5ngivare. <\/p>\n\n\n\n<p>H\u00e4r p\u00e5 Financer.com har vi j\u00e4mf\u00f6rt alla de b\u00e4sta studentl\u00e5nen 2024 f\u00f6r att du ska kunna ta ett s\u00e5 bra beslut som m\u00f6jligt. <\/p>\n\n\n\n<p><strong>Klicka p\u00e5 knappen nedan f\u00f6r att komma till j\u00e4mf\u00f6relsen h\u00f6gst upp p\u00e5 den h\u00e4r sidan.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_self\"  >5 b\u00e4sta studentl\u00e5n<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>J\u00e4mf\u00f6r b\u00e4sta studentl\u00e5n p\u00e5 Financer.com \u00c4r du student och beh\u00f6ver l\u00e5na pengar? R\u00e4cker inte pengarna fr\u00e5n CSN till? H\u00e4r j\u00e4mf\u00f6r\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":79479,"parent":5080,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1314],"tags":[56,55],"_links":{"self":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/4432"}],"collection":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/users\/7033"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/comments?post=4432"}],"version-history":[{"count":50,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/4432\/revisions"}],"predecessor-version":[{"id":77247,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/4432\/revisions\/77247"}],"up":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/5080"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media\/79479"}],"wp:attachment":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media?parent=4432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/categories?post=4432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/tags?post=4432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}