{"id":71022,"date":"2023-09-11T11:05:33","date_gmt":"2023-09-11T09:05:33","guid":{"rendered":"https:\/\/financer.se\/?page_id=71022"},"modified":"2024-09-16T14:13:21","modified_gmt":"2024-09-16T12:13:21","slug":"enkla-lan","status":"publish","type":"page","link":"https:\/\/financer.se\/lana-pengar\/enkla-lan\/","title":{"rendered":"Enkla l\u00e5n"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Vad_r_ett_enkelt_ln\">Vad \u00e4r ett enkelt l\u00e5n?<\/h2>\n\n\n\n<p>Enkla l\u00e5n, som ibland ocks\u00e5 kallas f\u00f6r l\u00e4tta l\u00e5n, \u00e4r l\u00e5n med l\u00e5ga krav p\u00e5 dig som ans\u00f6ker. Det anses vara l\u00e4ttare att f\u00e5 ett s\u00e5dant l\u00e5n beviljat j\u00e4mf\u00f6rt med andra \u201cvanliga\u201d l\u00e5n.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Enkla_ln_r_hgkostnadskrediter\">Enkla l\u00e5n \u00e4r h\u00f6gkostnadskrediter<\/h3>Enkla l\u00e5n \u00e4r ofta h\u00f6gkostnadskrediter vilket inneb\u00e4r att de \u00e4r mycket dyra. L\u00e5t dig d\u00e4rf\u00f6r inte lockas av att l\u00e5nef\u00f6retag s\u00e4ger att deras l\u00e5n \u00e4r l\u00e4tta att f\u00e5.\u00a0\nL\u00e4s mer om h\u00f6gkostnadskrediter och riskerna med dessa p\u00e5 <a href=\"https:\/\/www.hallakonsument.se\/\" target=\"_blank\" rel=\"noopener\">hall\u00e5konsument.se<\/a><\/div>\n\n\n<p>L\u00e5net tas fr\u00e4mst av de som har sv\u00e5rt att f\u00e5 sina l\u00e5neans\u00f6kningar beviljade hos andra l\u00e5nef\u00f6retag.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Knnetecken_hos_enkla_ln\">K\u00e4nnetecken hos l\u00e5n som \u00e4r l\u00e4tta att f\u00e5<\/h3><!-- wp:paragraph -->\n<ul>\n<li>De \u00e4r l\u00e5n <a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/\">utan UC<\/a><\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Sm\u00e5 l\u00e5nesummor och kort \u00e5terbetalningstid<\/li>\n<li>L\u00e5ngivaren<a style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\" href=\"https:\/\/financer.se\/lana-pengar\/betalningsanmarkning\/\"> accepterar ofta betalningsanm\u00e4rkningar<\/a><\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>L\u00e5ga krav p\u00e5 inkomst<\/li>\n<!-- \/wp:list-item --> <!-- wp:list-item -->\n<li>Inga krav p\u00e5 fast anst\u00e4llning<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list --><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Steg_fr_steg_s_ansker_du_om_ett_enkelt_ln\">Steg-f\u00f6r-steg: s\u00e5 ans\u00f6ker du om ett enkelt l\u00e5n<\/h2>\n\n\n\n<p>F\u00f6lj stegen nedan f\u00f6r att hitta ett l\u00e5n som \u00e4r enkelt att f\u00e5.<\/p>\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-langivare\">J\u00e4mf\u00f6r l\u00e5ngivare<\/h3>H\u00f6gst upp p\u00e5 sidan finns l\u00e5n som \u00e4r enkla att f\u00e5 beviljade enligt v\u00e5ra bes\u00f6kare. J\u00e4mf\u00f6r de olika alternativen.<\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Steg 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Varfor-behover-du-lana\">Varf\u00f6r beh\u00f6ver du l\u00e5na?<\/h3>Hur mycket beh\u00f6ver du l\u00e5na och varf\u00f6r? Att ett l\u00e5n \u00e4r enkelt att ta betyder inte att du b\u00f6r l\u00e5na &#8221;bara f\u00f6r att&#8221;. L\u00e5na inte heller mer \u00e4n du beh\u00f6ver.<\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Steg 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Recension-om-alla-laneforetag\">Recension om alla l\u00e5nef\u00f6retag<\/h3>F\u00f6r att l\u00e4sa mer om l\u00e5nef\u00f6retaget, klicka d\u00e5 p\u00e5 f\u00f6retagets logga. D\u00e5 kommer du till en komplett recension av respektive f\u00f6retag d\u00e4r du ocks\u00e5 kan ta del av omd\u00f6men fr\u00e5n kunder.<\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Steg 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Besok-langivarens-hemsida\">Bes\u00f6k l\u00e5ngivarens hemsida<\/h3>N\u00e4r du hittat en intressant l\u00e5ngivare klickar du p\u00e5 knappen &#8221;Se erbjudande&#8221;. Du kommer d\u00e5 till ett ans\u00f6kningsformul\u00e4r.<\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Steg 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ange-lanebelopp-och-aterbetalningstid\">Ange l\u00e5nebelopp och \u00e5terbetalningstid<\/h3>V\u00e4l p\u00e5 l\u00e5nef\u00f6retagets hemsida \u00e4r det dags att g\u00f6ra en ans\u00f6kan. Ange l\u00e5nebelopp och \u00e5terbetalningstid och se vad kostnaden f\u00f6r l\u00e5net kommer att bli.<\/div><div class=\"single-article__steps-counter\" id=\"step_6\">Steg 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ange-personliga-uppgifter\">Ange personliga uppgifter<\/h3>Ange de uppgifter som l\u00e5ngivaren efterfr\u00e5gar. Dessa brukar vara e-postadress, telefonnummer, adress, info om syssels\u00e4ttning och inkomst.\nSignera ans\u00f6kan med BankID.<\/div><div class=\"single-article__steps-counter\" id=\"step_7\">Steg 7<\/div><div class=\"single-article__steps-content\"><h3 id=\"Vanta-pa-svar\">V\u00e4nta p\u00e5 svar<\/h3>N\u00e4r du v\u00e4l skickat in ans\u00f6kan kommer du antingen f\u00e5 besked direkt p\u00e5 sk\u00e4rmen eller bli kontaktad av f\u00f6retaget (oftast inom 24 timmar).<\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\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-large is-arrow\" target=\"_self\"  >Alla l\u00e5ngivare som erbjuder enkla l\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 74 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=360\" data-slider-url=\"https:\/\/financer.se\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=360\" data-required=\"resultat?query=1non_affiliate=true&param_amount=10000&param_period=360&\" 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=\"Tre_lttaste_smsln_att_f_enligt_vra_beskare\">Tre l\u00e4ttaste smsl\u00e5n att f\u00e5 enligt v\u00e5ra bes\u00f6kare<\/h2>\n\n\n\n<p>Nedan \u00e4r tre <a href=\"https:\/\/financer.se\/lana-pengar\/smslan\/\" data-type=\"page\" data-id=\"3348\">smsl\u00e5n<\/a> (ocks\u00e5 kallat snabbl\u00e5n) listade som \u00e4r l\u00e4ttast att f\u00e5 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\/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>20&nbsp;552<\/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\">45000<\/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\/lumify\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"2002\" height=\"740\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/lumify-lacc8an-logo-2019.png\" class=\"attachment-full size-full\" alt=\"Lumify Logo 2019\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/lumify-lacc8an-logo-2019.png 2002w, https:\/\/financer.global\/app\/uploads\/sites\/2\/lumify-lacc8an-logo-2019-300x111.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/2\/lumify-lacc8an-logo-2019-1024x379.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/2\/lumify-lacc8an-logo-2019-768x284.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/2\/lumify-lacc8an-logo-2019-1536x568.png 1536w\" sizes=\"(max-width: 2002px) 100vw, 2002px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>3&nbsp;645<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Snabbl\u00e5n som inte anv\u00e4nder UC<\/li><li >Snabb utbetalning till storbankerna<\/li><li >Har ofta kampanjer med r\u00e4ntefria l\u00e5n<\/li><li >Ans\u00f6kan och besked direkt p\u00e5 sk\u00e4rmen<\/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\">20000<\/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\">39.50<\/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\">39.50<\/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\">1 \u00c5r<\/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<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/lumify\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"26229\" 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\/lumify\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/lumify\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_orange\" data-rating-value=\"2\">2.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/lumify\/#read-reviews\">7<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: En kredit p\u00e5 9 500 kr till 43,50 % r\u00e4nta med en \u00e5terbetalningstid p\u00e5 tio m\u00e5nader (med tio \u00e5terbetalningar om 1 876 kr, 1 543 kr, 1 507 kr, 1 470 kr, 1 433 kr, 1 397 kr, 1 360 kr, 1 324 kr, 1 287 kr samt 1 250 kr) och 1 205 kr i uppl\u00e4ggningsavgift, 1 155 kr i L\u00e4gst att betala-belopp samt 600 kr i aviavgifter ger en effektiv r\u00e4nta p\u00e5 totalt 186.81 %. Det totala beloppet att \u00e5terbetala \u00e4r 14 447 kr. Kreditens l\u00f6ptid och d\u00e4r tillh\u00f6rande kostnader kan komma att f\u00f6r\u00e4ndras vid ut\u00f6kning av krediten.<\/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=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/loanstep\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/loanstep-1.jpg\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>4&nbsp;273<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Erbjuder snabbl\u00e5n utan s\u00e4kerhet<\/li><li >Utbetalning sker oftast samma dag<\/li><li >Ans\u00f6k om l\u00e5n fr\u00e5n Loanstep direkt p\u00e5 sk\u00e4rmen<\/li><li >Smsl\u00e5n utan UC<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/loanstep\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"2903\" 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\/loanstep\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/loanstep\/#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\/loanstep\/#read-reviews\">18<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: Ett l\u00e5n taget 2024-01-01 med kreditbelopp p\u00e5 27 500 kr till 22,59 % r\u00f6rlig \u00e5rlig kreditr\u00e4nta med en \u00e5terbetalningstid p\u00e5 36 m\u00e5nader som \u00e5terbetalas genom 36 avbetalningar om ca 1 059 kr, ger en effektiv r\u00e4nta p\u00e5 totalt 33,99 %. Totalt att betala \u00e4r 40 611 kr, av vilket 2 500 kr utg\u00f6rs av kreditf\u00f6rmedlingsavgift f\u00f6r den kreditf\u00f6rmedlingstj\u00e4nst SBL Finans AB tillhandah\u00e5ller.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Tre_enkla_kontokrediter_lttaste_lnet_att_f_enligt_vra_beskare\">Tre enkla kontokrediter: l\u00e4ttaste l\u00e5net att f\u00e5 enligt v\u00e5ra bes\u00f6kare<\/h2>\n\n\n\n<p>Nedan \u00e4r tre <a href=\"https:\/\/financer.se\/lana-pengar\/kontokredit\/\" data-type=\"page\" data-id=\"8740\">kontokrediter<\/a> listade som v\u00e5ra bes\u00f6kare anser vara l\u00e4tta att f\u00e5 beviljade.<\/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\/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>1&nbsp;952<\/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 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\/brixo\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/Brixo.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>941<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Kontokredit med flexibla uttag<\/li><li >Brixo accepterar betalningsanm\u00e4rkningar<\/li><li >Utan UC (anv\u00e4nder Bisnode)<\/li><li >Inloggningsfunktion f\u00f6r befintliga kunder p\u00e5 brixo.se<\/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\">3000<\/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\">28.95<\/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\">28.95<\/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\">1 \u00c5r<\/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<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/brixo\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8056\" 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\/brixo\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/brixo\/#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=\"4.1\">4.1<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/brixo\/#read-reviews\">2<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: &#8221;Krediten har inga avgifter. Nominell bunden \u00e5rsr\u00e4nta \u00e4r 28,95 % och den effektiva r\u00e4ntan \u00e4r 33,1 %. En exempelkredit p\u00e5 10 000 kr som \u00e5terbetalas med 970 kr per m\u00e5nad under 12 m\u00e5nader har en total kostnad om 1 640 kr.&#8221;<\/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\/credifi\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-23.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>269<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Smsl\u00e5n med ans\u00f6kan online och besked direkt<\/li><li >Gratis att l\u00f6sa l\u00e5n i f\u00f6rtid<\/li><li >\u00c4gs av Luma Finans som ocks\u00e5 \u00e4ger Lumify<\/li><li >R\u00e4ntefri f\u00f6rsta m\u00e5nad<\/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\">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\">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\">1 \u00c5r<\/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\/credifi\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"69909\" 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\/credifi\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/credifi\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/credifi\/#read-reviews\">0<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" >Representativt exempel: En kredit p\u00e5 9 500 kr till 43,50 % r\u00e4nta med en \u00e5terbetalningstid p\u00e5 tio m\u00e5nader (med tio \u00e5terbetalningar om 1 876 kr, 1 543 kr, 1 507 kr, 1 470 kr, 1 433 kr, 1 397 kr, 1 360 kr, 1 324 kr, 1 287 kr samt 1 250 kr) och 1 205 kr i uppl\u00e4ggningsavgift, 1 155 kr i L\u00e4gst att betala-belopp samt 600 kr i aviavgifter ger en effektiv r\u00e4nta p\u00e5 totalt 186.81 %. Det totala beloppet att \u00e5terbetala \u00e4r 14 447 kr. Kreditens l\u00f6ptid och d\u00e4r tillh\u00f6rande kostnader kan komma att f\u00f6r\u00e4ndras vid ut\u00f6kning av krediten.<\/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. <\/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><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"S_mycket_kostar_det_att_anska_om_ett_enkelt_ln\">S\u00e5 mycket kostar det att ans\u00f6ka om ett enkelt l\u00e5n<\/h2>\n\n\n\n<p>Kostnaderna f\u00f6r ett enkelt l\u00e5n \u00e4r oftast h\u00f6gre \u00e4n f\u00f6r andra l\u00e5n som \u00e4r sv\u00e5rare att f\u00e5 beviljade. Detta av den enkla anledningen att de n\u00e4stan alltid \u00e4r snabbl\u00e5n.<\/p>\n\n\n\n<p><strong>Huvudsakliga kostnader som tillkommer:\u00a0<\/strong><\/p>\n\n\n\n<ul>\n<li>Eventuell startkostnad<\/li>\n\n\n\n<li>M\u00e5natlig r\u00e4nta<\/li>\n\n\n\n<li>Eventuell fast m\u00e5nadskostnad<\/li>\n\n\n\n<li>Straffavgifter och p\u00e5minnelseavgifter om du \u00e5terbetalar l\u00e5net f\u00f6r sent<\/li>\n<\/ul>\n\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_f_ett_enkelt_ln_om_jag_har_en_betalningsanmrkning\">G\u00e5r det att f\u00e5 ett enkelt l\u00e5n om jag har en betalningsanm\u00e4rkning?<\/h2>\n\n\n\n<p>Ja, ofta g\u00e5r det att f\u00e5 ett enkelt l\u00e5n beviljat \u00e4ven om du har betalningsanm\u00e4rkningar.\u00a0<\/p>\n\n\n\n<p><strong>Faktum \u00e4r att m\u00e5nga som letar efter l\u00e5n som \u00e4r l\u00e4tta att f\u00e5 har just betalningsanm\u00e4rkningar och har sv\u00e5rt att f\u00e5 sin l\u00e5neans\u00f6kan beviljad hos traditionella l\u00e5ngivare.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Mnga_snabblnefretag_accepterar_anmrkningar\">M\u00e5nga snabbl\u00e5nef\u00f6retag accepterar anm\u00e4rkningar<\/h3>\n\n\n\n<p>Fler och fler l\u00e5ngivare accepterar betalningsanm\u00e4rkningar och ser till din framtida betalningshistorik ist\u00e4llet f\u00f6r din ekonomiska historia. <\/p>\n\n\n\n<p>Om l\u00e5nef\u00f6retaget inte anv\u00e4nder UC \u00e4r det \u00e4nnu troligare att du kan f\u00e5 din l\u00e5neans\u00f6kan beviljad, \u00e4ven om du har en eller flera anm\u00e4rkningar.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Riskabelt_att_lna_om_du_har_anmrkningar\">Riskabelt att l\u00e5na om du har anm\u00e4rkningar<\/h3>Med det sagt b\u00f6r man inte ta ett l\u00e5n \u00f6verhuvudtaget om man har flera aktiva betalningsanm\u00e4rkningar. Anm\u00e4rkningar \u00e4r ett tecken p\u00e5 att du har sv\u00e5rt att \u00e5terbetala dina l\u00e5n.\nL\u00e5na bara om du m\u00e5ste och anv\u00e4nd hellre sparpengar.\u00a0<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Risker_med_ltta_ln\">Risker med l\u00e4tta l\u00e5n<\/h2>\n\n\n\n<p>Det finns m\u00e5nga risker med enkla l\u00e5n. Riskerna \u00e4r liknande som de risker som g\u00e4ller f\u00f6r snabbl\u00e5n vilka i huvudsak \u00e4r:<\/p>\n\n\n\n<ul>\n<li>L\u00e4tta l\u00e5n \u00e4r dyra eftersom r\u00e4ntan \u00e4r h\u00f6g<\/li>\n\n\n\n<li>\u00c5terbetalningstiden p\u00e5 l\u00e4tta l\u00e5n \u00e4r kort<\/li>\n\n\n\n<li>Om du inte \u00e5terbetalar l\u00e5net i tid tillkommer h\u00f6ga straffavgifter\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Huvudsakliga_krav_fr_enkla_ln\">Huvudsakliga krav f\u00f6r enkla l\u00e5n<\/h2>\n\n\n\n<ul>\n<li>Du beh\u00f6ver vara myndig (minst 18 \u00e5r)<\/li>\n\n\n\n<li>Du f\u00e5r inte har n\u00e5gra aktiva skulder hos Kronofogden<\/li>\n\n\n\n<li>Vissa l\u00e5ngivare st\u00e4ller krav p\u00e5 inkomst<\/li>\n\n\n\n<li>Ha ett aktivt BankID<\/li>\n\n\n\n<li>Konto hos svensk bank<\/li>\n\n\n\n<li>Folkbokf\u00f6rd i Sverige<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Frdelar_och_nackdelar_med_enkla_ln\">F\u00f6rdelar och nackdelar med enkla l\u00e5n<\/h2>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li>Enkla l\u00e5n har ofta utbetalning direkt 24 timmar om dygnet<\/li>\n\n\n\n<li>G\u00e5r att f\u00e5 trots betalningsanm\u00e4rkningar<\/li>\n\n\n\n<li>L\u00e4gre krav p\u00e5 inkomst<\/li>\n\n\n\n<li>Anv\u00e4nder oftast inte UC<\/li>\n<\/ul>\n\n\n\n<ul class=\"is-style-cons-list\">\n<li>R\u00e4ntan \u00e4r h\u00f6g<\/li>\n\n\n\n<li>Uppl\u00e4ggningsavgift kan tillkomma<\/li>\n\n\n\n<li>H\u00f6ga straffavgifter om du missk\u00f6ter \u00e5terbetalningarna<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"r_ln_som_r_enkla_att_f_utan_UC\">\u00c4r l\u00e5n som \u00e4r enkla att f\u00e5 utan UC?<\/h2>\n\n\n\n<p>Ja, s\u00e5 \u00e4r n\u00e4stan alltid fallet. L\u00e5ngivare som erbjuder enkla l\u00e5n anv\u00e4nder inte UC f\u00f6r att g\u00f6ra sin kreditupplysning utan anv\u00e4nder andra kreditupplysningsf\u00f6retag som till exempel <a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/bisnode\/\" data-type=\"page\" data-id=\"30314\">Bisnode<\/a> eller <a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/creditsafe\/\" data-type=\"page\" data-id=\"27672\">Creditsafe<\/a>.<\/p>\n\n\n\n<p>F\u00f6rdelen med detta \u00e4r att det inte syns hos Upplysningscentralen att du gjort en l\u00e5neans\u00f6kan vilket \u00e4r positivt om du i framtiden skulle beh\u00f6va ans\u00f6ka om till exempel ett <a href=\"https:\/\/financer.se\/lana-pengar\/bolan\/\" data-type=\"page\" data-id=\"3320\">bol\u00e5n<\/a> fr\u00e5n en bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i5_tips_fr_att_hitta_ltta_ln\">5 tips f\u00f6r att hitta l\u00e4tta l\u00e5n<\/h2>\n\n\n\n<p>Har du f\u00f6rs\u00f6kt en l\u00e4ngre tid att f\u00e5 din l\u00e5neans\u00f6kan beviljad hos m\u00e5nga l\u00e5ngivare men inte lyckats? D\u00e5 ger vi dig h\u00e4r fem tips f\u00f6r att hitta ett enkelt l\u00e5n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_1_Ansk_tillsammans_med_en_medskande\">Tips 1: Ans\u00f6k tillsammans med en meds\u00f6kande<\/h3>\n\n\n\n<p>Anv\u00e4nd en <a href=\"https:\/\/financer.se\/wiki\/medsokande-lan\/\" data-type=\"wiki\" data-id=\"14904\">meds\u00f6kande<\/a> som st\u00e5r p\u00e5 l\u00e5neans\u00f6kan tillsammans med dig. Den meds\u00f6kande blir ocks\u00e5 betalningsansvarig om du inte kan \u00e5terbetala l\u00e5net i tid.\u00a0<\/p>\n\n\n\n<p>Detta ser banken eller l\u00e5ngivaren som en stor f\u00f6rdel eftersom de kan k\u00e4nna sig tryggare i att de f\u00e5r pengarna tillbaka.<\/p>\n\n\n\n<p>En meds\u00f6kande kan vara till exempel en familjemedlem eller en partner.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_2_Lna_ett_mindre_belopp\">Tips 2: L\u00e5na ett mindre belopp<\/h3>\n\n\n\n<p>Testa att l\u00e5na ett mindre belopp. Om l\u00e5ngivaren anser att det \u00e4r riskabelt att l\u00e5na ut till dig kommer de k\u00e4nna sig mindre os\u00e4kra ju l\u00e4gre belopp du ans\u00f6ker om.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_3_Samla_ihop_befintliga_ln\">Tips 3: Samla ihop befintliga l\u00e5n<\/h3>\n\n\n\n<p>Om du redan har flera \u00f6ppna l\u00e5n \u00e4r det b\u00e4ttre att samla ihop dem till ett <a href=\"https:\/\/financer.se\/lana-pengar\/samla-lan\/\" data-type=\"page\" data-id=\"3643\">samlingsl\u00e5n<\/a>. D\u00e5 ser l\u00e5ngivaren att du har f\u00f6rs\u00f6kt ta kontroll \u00f6ver din ekonomi och bara har ett l\u00e5n att \u00e5terbetala.<\/p>\n\n\n\n<p>Dessutom blir m\u00e5nadskostnaden l\u00e4gre om du bara har ett l\u00e5n att \u00e5terbetala.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_4_Anvnd_en_lnefrmedlare\">Tips 4: <strong>Anv\u00e4nd en l\u00e5nef\u00f6rmedlare<\/strong><\/h3>\n\n\n\n<p>Om du beh\u00f6ver l\u00e5na ett st\u00f6rre belopp kan det vara en bra id\u00e9 att anv\u00e4nda en <a href=\"https:\/\/financer.se\/lana-pengar\/laneformedlare\/\" data-type=\"page\" data-id=\"4377\">l\u00e5nef\u00f6rmedlare<\/a>. <\/p>\n\n\n\n<p>Med en l\u00e5nef\u00f6rmedlare g\u00f6r du bara en ans\u00f6kan men f\u00e5r svar fr\u00e5n flera l\u00e5nef\u00f6retag samtidigt och kan v\u00e4lja det alternativ som passar dig b\u00e4st.\u00a0Dessutom g\u00f6rs det bara en slagning hos UC.<\/p>\n\n\n\n<p>En l\u00e5nef\u00f6rmedlare \u00e4r ocks\u00e5 alltid gratis och du kan v\u00e4lja att tacka nej till alla erbjudanden som f\u00f6rmedlaren presenterar om inget l\u00e5neerbjudande \u00e4r bra nog.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tips_5_Frbttra_din_kreditvrdighet\">Tips 5: <strong>F\u00f6rb\u00e4ttra din kreditv\u00e4rdighet<\/strong><\/h3>\n\n\n\n<p>Ett sista tips \u00e4r att f\u00f6rb\u00e4ttra din kreditv\u00e4rdighet. F\u00f6rutom att samla ihop befintliga l\u00e5n \u00e4r det bra att avsluta befintliga krediter och <a href=\"https:\/\/financer.se\/kreditkort\/\" data-type=\"URL\" data-id=\"https:\/\/financer.se\/kreditkort\/\">kreditkort<\/a>. Ju f\u00e4rre \u00f6ppna l\u00e5n du har, desto troligare att du f\u00e5r ett l\u00e5net beviljat.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"r_enkla_ln_bra\">\u00c4r enkla l\u00e5n bra?<\/h2>\n\n\n\n<p>Generellt sett \u00e4r det en d\u00e5lig id\u00e9 att leta efter l\u00e4tta l\u00e5n. Detta av anledningen att enkla l\u00e5n \u00e4r dyra och inriktar sig mot folk som har <a href=\"https:\/\/financer.se\/wiki\/svart-att-fa-lan\/\" data-type=\"wiki\" data-id=\"1920\">sv\u00e5rt att f\u00e5 l\u00e5n<\/a> fr\u00e5n andra l\u00e5ngivare. <\/p>\n\n\n\n<p><strong>Eftersom dessa typer av l\u00e5ntagare \u00e4r en risk f\u00f6r l\u00e5ngivaren tar de ut h\u00f6gre avgifter och h\u00f6gre r\u00e4nta.<\/strong><\/p>\n\n\n\n<p>Ett enkelt l\u00e5n \u00e4r endast en n\u00f6dl\u00f6sning om du snabbt \u00e4r i behov av pengar och inte har n\u00e5gra sparpengar att ta av. L\u00e5na bara om du m\u00e5ste.\u00a0<\/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\"  >J\u00e4mf\u00f6r b\u00e4sta enkla l\u00e5n h\u00e4r<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vanliga_frgor_och_svar_om_ltta_ln\">Vanliga fr\u00e5gor och svar om l\u00e4tta l\u00e5n<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>G\u00e5r det att ans\u00f6ka om enkla l\u00e5n som inte anv\u00e4nder UC?<\/h4><div class=\"faq_inner\">Ja. N\u00e4stan alla l\u00e5n som klassas som enkla att f\u00e5 \u00e4r utan UC.<\/div><h4>G\u00e5r det att hitta ett l\u00e4tt l\u00e5n att f\u00e5 om jag har aktiva skulder hos Kronofogden?<\/h4><div class=\"faq_inner\">Nej. I princip ingen l\u00e5ngivare godk\u00e4nner dig som har aktiva skulder hos Kronofogden.<\/div><h4>Hur hittar jag ett enkelt l\u00e5n?<\/h4><div class=\"faq_inner\">Enkla l\u00e5n erbjuds fr\u00e4mst av snabbl\u00e5nef\u00f6retag. Du kan ocks\u00e5 v\u00e4nda dig till en l\u00e5nef\u00f6rmedlare f\u00f6r att f\u00e5 svar fr\u00e5n flera l\u00e5ngivare samtidigt med bara en ans\u00f6kan.<\/div><h4>\u00c4r det en bra id\u00e9 att leta efter enkla sms l\u00e5n?<\/h4><div class=\"faq_inner\">Generellt sett \u00e4r det en d\u00e5lig id\u00e9 eftersom dessa typer av l\u00e5n ofta \u00e4r h\u00f6gkostnadskrediter och d\u00e4rmed mycket dyra.<\/div><h4>Var finns det l\u00e4ttaste l\u00e5net att f\u00e5?<\/h4><div class=\"faq_inner\">Var det \u00e4r l\u00e4ttast att f\u00e5 l\u00e5n \u00e4r sv\u00e5rt att s\u00e4ga. Alla f\u00f6retag g\u00f6r individuella bed\u00f6mningar hos personen som ans\u00f6ker.\nGenerellt sett \u00e4r det enklast att f\u00e5 ett l\u00e5n beviljat hos l\u00e5nef\u00f6retag som erbjuder sk. snabbl\u00e5n med l\u00e5ga krav p\u00e5 s\u00f6kanden.<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Vad \u00e4r ett enkelt l\u00e5n? Enkla l\u00e5n, som ibland ocks\u00e5 kallas f\u00f6r l\u00e4tta l\u00e5n, \u00e4r l\u00e5n med l\u00e5ga krav p\u00e5\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":79545,"parent":5080,"menu_order":0,"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],"_links":{"self":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/71022"}],"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=71022"}],"version-history":[{"count":50,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/71022\/revisions"}],"predecessor-version":[{"id":76018,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/71022\/revisions\/76018"}],"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\/79545"}],"wp:attachment":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media?parent=71022"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/categories?post=71022"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/tags?post=71022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}