{"id":75791,"date":"2024-02-08T09:22:06","date_gmt":"2024-02-08T08:22:06","guid":{"rendered":""},"modified":"2024-09-17T09:35:44","modified_gmt":"2024-09-17T07:35:44","slug":"lana-pengar-utan-avslag","status":"publish","type":"page","link":"https:\/\/financer.se\/lana-pengar\/lana-pengar-utan-avslag\/","title":{"rendered":"L\u00e5na pengar utan avslag"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"i7_bsta_ln_fr_dig_som_ofta_fr_avslag\">7 b\u00e4sta l\u00e5n f\u00f6r dig som ofta f\u00e5r avslag<\/h2>\n\n\n\n<p>Beh\u00f6ver du &#8221;l\u00e5na pengar utan avslag&#8221;? Allts\u00e5 att du vill hitta en l\u00e5ngivare som inte ger dig avslag p\u00e5 ans\u00f6kan?<\/p>\n\n\n\n<p>H\u00e4r ber\u00e4ttar vi mer om hur du \u00f6kar chansen att f\u00e5 l\u00e5net beviljat och j\u00e4mf\u00f6r olika l\u00e5ngivare.<\/p>\n\n\n\n<ul>\n<li>7 l\u00e5n som s\u00e4llan ger avslag<\/li>\n\n\n\n<li>Tips och tricks f\u00f6r att \u00f6ka dina chanser att f\u00e5 l\u00e5net beviljat<\/li>\n\n\n\n<li>Svar p\u00e5 vanliga fr\u00e5gor om hur man f\u00e5r sin l\u00e5neans\u00f6kan beviljad<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"versikt_ver_ln_i_jmfrelsen\">\u00d6versikt \u00f6ver l\u00e5n i j\u00e4mf\u00f6relsen<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td>Antal l\u00e5nef\u00f6retag i j\u00e4mf\u00f6relsen<\/td><td>7 st<\/td><\/tr><tr><td>Antal snabbl\u00e5n<\/td><td>7 st<\/td><\/tr><tr><td>L\u00f6ptid<\/td><td>1 m\u00e5n \u2013 4 \u00e5r<\/td><\/tr><tr><td>Effektiv r\u00e4nta<\/td><td>9,22% \u2013 236,65%<\/td><\/tr><tr><td><a href=\"https:\/\/financer.se\/lana-pengar\/utan-uc\/\">Utan UC<\/a><\/td><td>Alla<\/td><\/tr><tr><td>Godk\u00e4nner betalningsanm\u00e4rkningar<\/td><td>Vissa ( en individuell bed\u00f6mning g\u00f6rs)<\/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>5 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-inverted is-outlined is-large is-arrow\" target=\"_self\"  >J\u00e4mf\u00f6r l\u00e5n utan avslag<\/a><\/div>\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Smsln_r_hgkostnadskrediter\">Smsl\u00e5n \u00e4r h\u00f6gkostnadskrediter<\/h3><p><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\" \/>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><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Ln_utan_avslag___snabba_frgor_och_svar\">L\u00e5n utan avslag &#8211; snabba fr\u00e5gor och svar<\/h3><h4>Vad kan man g\u00f6ra om man ofta f\u00e5r nej p\u00e5 sin l\u00e5neans\u00f6kan?<\/h4><div class=\"faq_inner\"><p>G\u00e5 igenom dina ekonomiska f\u00f6rh\u00e5llanden och f\u00f6rb\u00e4ttra dem d\u00e4r det g\u00e5r. Betala av dina skulder och se \u00f6ver din inkomst.<\/p><\/div><h4>Var kan man v\u00e4nda sig f\u00f6r att l\u00e5na pengar om bankerna s\u00e4ger nej?<\/h4><div class=\"faq_inner\"><p>Utforska alternativa l\u00e5ngivare som mikrol\u00e5n eller online-kreditbolag som har l\u00e4gre krav.<\/p><\/div><h4>P\u00e5verkar d\u00e5lig kreditv\u00e4rdighet mina chanser att f\u00e5 l\u00e5n, och vad kan jag g\u00f6ra \u00e5t det?<\/h4><div class=\"faq_inner\"><p>Ja, det p\u00e5verkar. F\u00f6rs\u00f6k f\u00f6rb\u00e4ttra din kreditv\u00e4rdighet genom att betala r\u00e4kningar i tid och minska p\u00e5 dina skulder.<\/p><\/div><h4>Hj\u00e4lper det att ha mindre skulder n\u00e4r man ans\u00f6ker om l\u00e5n?<\/h4><div class=\"faq_inner\"><p>Ja, l\u00e5ngivare ser positivt p\u00e5 l\u00e5ntagare med l\u00e5g skuldkvot eftersom det \u00f6kar chansen att du kan betala tillbaka l\u00e5net.<\/p><\/div><h4>Vilka bevis p\u00e5 att jag kan betala tillbaka hj\u00e4lper n\u00e4r jag ans\u00f6ker om l\u00e5n?<\/h4><div class=\"faq_inner\"><p>Inkomstuppgifter, anst\u00e4llningsbevis och en stabil ekonomisk historik \u00e4r bra bevis f\u00f6r att du kan betala tillbaka l\u00e5net.<\/p><\/div><h4>\u00c4r privatl\u00e5n eller snabbl\u00e5n b\u00e4ttre om jag inte vill f\u00e5 avslag p\u00e5 min ans\u00f6kan?<\/h4><div class=\"faq_inner\"><p><a href=\"https:\/\/financer.se\/lana-pengar\/privatlan\/\">Privatl\u00e5n<\/a> \u00e4r egentligen alltid ett b\u00e4ttre alternativ \u00e4n <a href=\"https:\/\/financer.se\/lana-pengar\/smslan\/\">smsl\u00e5n<\/a> eftersom de har l\u00e4gre r\u00e4nta och det \u00e4r mindre risk att hamna i skuldf\u00e4llan.<\/p>\n<p>Men om du f\u00e5tt avslag m\u00e5nga g\u00e5nger tidigare \u00e4r det troligare att du f\u00e5r ett snabbl\u00e5n beviljat eftersom snabbl\u00e5nef\u00f6retag har l\u00e4gre krav p\u00e5 dig som ans\u00f6ker.<\/p><\/div><\/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=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=\"i3_lnefretag_fr_dig_som_har_svrt_att_lna_pengar\">3 l\u00e5nef\u00f6retag f\u00f6r dig som har sv\u00e5rt att l\u00e5na pengar<\/h2>\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\/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;190<\/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\/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;150<\/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\/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;281<\/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=\"Steg_fr_steg_S_jmfr_du_ln_som_inte_ger_avslag\">Steg f\u00f6r steg: S\u00e5 j\u00e4mf\u00f6r du l\u00e5n som inte ger avslag<\/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-langivare\">J\u00e4mf\u00f6r l\u00e5ngivare<\/h3>B\u00f6rja med att anv\u00e4nda en j\u00e4mf\u00f6relsetj\u00e4nst online f\u00f6r att se vilka l\u00e5ngivare som har h\u00f6g beviljandegrad. J\u00e4mf\u00f6r villkor, r\u00e4ntor och avgifter.<\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Steg 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Se-over-langivarens-krav\">Se \u00f6ver l\u00e5ngivarens krav<\/h3><p>Kontrollera l\u00e5ngivarens krav och se till att du uppfyller dem. Detta kan inkludera inkomstkrav, \u00e5ldersgr\u00e4ns och kreditv\u00e4rdighet.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Steg 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Las-omdomen\">L\u00e4s omd\u00f6men<\/h3>L\u00e4s omd\u00f6men och recensioner om l\u00e5ngivaren f\u00f6r att f\u00f6rst\u00e5 andras erfarenheter och l\u00e5ngivarens servicekvalitet.<\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Steg 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Besok-langivarens-webbplats\">Bes\u00f6k l\u00e5ngivarens webbplats<\/h3><p>N\u00e4r du valt en l\u00e5ngivare, bes\u00f6k f\u00f6retagets hemsida f\u00f6r mer information eller f\u00f6r att g\u00f6ra en l\u00e5neans\u00f6kan.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Steg 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Ansok-om-lanet\">Ans\u00f6k om l\u00e5net<\/h3><p>Fyll i l\u00e5neans\u00f6kan noga. Ange korrekta uppgifter om din ekonomi och \u00f6nskat l\u00e5nebelopp. Signera med BankID.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_6\">Steg 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Vanta-pa-langivarens-beslut\">V\u00e4nta p\u00e5 l\u00e5ngivarens beslut<\/h3>Efter att ha skickat in din ans\u00f6kan, v\u00e4nta p\u00e5 l\u00e5ngivarens beslut. Detta kan variera fr\u00e5n n\u00e5gra minuter till n\u00e5gra dagar.<\/div><div class=\"single-article__steps-counter\" id=\"step_7\">Steg 7<\/div><div class=\"single-article__steps-content\"><h3 id=\"Granska-och-acceptera-laneavtalet\">Granska och acceptera l\u00e5neavtalet<\/h3>Om ditt l\u00e5n beviljas, granska avtalet noggrant innan du accepterar. Kontrollera \u00e5terbetalningstid, r\u00e4nta och eventuella avgifter.<\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hur_kan_jag_lna_pengar_utan_avslag\">Hur kan jag l\u00e5na pengar utan avslag?<\/h2>\n\n\n\n<p>F\u00f6r att f\u00e5 ett l\u00e5n beviljat och inte f\u00e5 avslag p\u00e5 det m\u00e5ste du helt enkelt m\u00f6ta l\u00e5ngivarens krav. G\u00f6r du inte det kommer du f\u00e5 avslag p\u00e5 din ans\u00f6kan.<\/p>\n\n\n\n<p><strong>Nedan \u00e4r 6 tips f\u00f6r att minska risken att f\u00e5 avslag p\u00e5 din ans\u00f6kan:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Betala_av_tidigare_skulder\">1. Betala av tidigare skulder<\/h3>\n\n\n\n<p>Om du har m\u00f6jlighet s\u00e5 b\u00f6r du betala av dina befintliga l\u00e5n och krediter innan du g\u00f6r en ny l\u00e5neans\u00f6kan. <\/p>\n\n\n\n<p>Du kan ocks\u00e5 \u00f6verv\u00e4ga ett <a href=\"https:\/\/financer.se\/lana-pengar\/samla-lan\/\" data-type=\"page\" data-id=\"3643\">samlingsl\u00e5n<\/a> f\u00f6r att f\u00e5 ner dina kostnader och kunna \u00e5terbetala l\u00e5net snabbare. <\/p>\n\n\n\n<p>N\u00e4r du v\u00e4l \u00e5terbetalat tidigare l\u00e5n b\u00f6r du v\u00e4nta ett tag innan du ans\u00f6ker igen. P\u00e5 s\u00e5 s\u00e4tt kommer din kreditv\u00e4rdighet f\u00f6rb\u00e4ttras.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Ansk_med_en_medskande\">2. Ans\u00f6k med en meds\u00f6kande<\/h3>\n\n\n\n<p>Att ans\u00f6ka tillsammans med en v\u00e4n eller familjemedlem, att anv\u00e4nda en <a href=\"https:\/\/financer.se\/wiki\/medsokande-lan\/\" data-type=\"link\" data-id=\"https:\/\/financer.se\/wiki\/medsokande-lan\/\">meds\u00f6kande<\/a>, \u00f6kar chanserna att f\u00e5 l\u00e5net beviljat. Banken ser det n\u00e4mligen som en trygghet och kan ocks\u00e5 erbjuda en l\u00e4gre r\u00e4nta p\u00e5 det s\u00e4ttet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_ka_din_inkomst\">3. \u00d6ka din inkomst<\/h3>\n\n\n\n<p>F\u00f6rs\u00f6k \u00f6ka din inkomst genom att arbeta mer, ta ett extrajobb eller genom att f\u00f6rhandla upp din befintliga l\u00f6n. En h\u00f6gre inkomst minskar risken f\u00f6r l\u00e5ngivaren och f\u00f6rb\u00e4ttrar dina chanser att f\u00e5 l\u00e5net godk\u00e4nt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Undvik_mnga_UC_frfrgningar\">4. Undvik m\u00e5nga UC-f\u00f6rfr\u00e5gningar<\/h3>\n\n\n\n<p>F\u00f6r m\u00e5nga kreditupplysningar genom UC kan skada din kreditv\u00e4rdighet. V\u00e4lj ist\u00e4llet l\u00e5nealternativ som inte anv\u00e4nder UC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_Rtt_information_och_dokument\">5. R\u00e4tt information och dokument<\/h3>\n\n\n\n<p>F\u00f6rbered och tillhandah\u00e5ll alla n\u00f6dv\u00e4ndiga dokument och information. Var \u00e4rlig och noggrann med dina uppgifter f\u00f6r att undvika risken f\u00f6r avslag p\u00e5 grund av bristf\u00e4lliga eller felaktiga uppgifter.<\/p>\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=\"Varfr_har_jag_svrt_att_f_ln\">Varf\u00f6r har jag sv\u00e5rt att f\u00e5 l\u00e5n?<\/h2>\n\n\n\n<p>Det kan finnas flera anledningar till att banken inte godk\u00e4nner dig som l\u00e5ntagare. I det stora hela handlar det om att dina inkomster \u00e4r f\u00f6r l\u00e5ga i f\u00f6rh\u00e5llande till dina utgifter eller att du har gjort flera l\u00e5neans\u00f6kningar den senaste tiden som har blivit nekade.<\/p>\n\n\n\n<p>Banken anser d\u00e4rf\u00f6r att det \u00e4r f\u00f6r riskabelt att l\u00e5na ut pengar till dig och ger dig d\u00e4rf\u00f6r avslag p\u00e5 din l\u00e5neans\u00f6kan.<\/p>\n\n\n\n<ul>\n<li>\u00a0Din inkomst \u00e4r f\u00f6r l\u00e5g<\/li>\n\n\n\n<li>\u00a0Dina utgifter \u00e4r f\u00f6r h\u00f6ga<\/li>\n\n\n\n<li>\u00a0Du har betalningsanm\u00e4rkningar eller <a href=\"https:\/\/financer.se\/lana-pengar\/skuld-hos-kronofogden\/\" data-type=\"page\" data-id=\"46771\">skulder hos Kronofogden<\/a><\/li>\n\n\n\n<li>\u00a0Det har gjorts m\u00e5nga kreditupplysningar p\u00e5 dig\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Avslutande_tips_fr_att_undvika_avslag_p_din_anskan\">Avslutande tips f\u00f6r att undvika avslag p\u00e5 din ans\u00f6kan<\/h2>\n\n\n\n<ul>\n<li><strong>Ans\u00f6k med medl\u00e5ntagare:<\/strong> Att ha n\u00e5gon som meds\u00f6kande (eller borgensman) ger en extra s\u00e4kerhet f\u00f6r l\u00e5ngivaren<\/li>\n\n\n\n<li><strong>Betala av sm\u00e5l\u00e5n:<\/strong> L\u00f6s alla <a href=\"https:\/\/financer.se\/lana-pengar\/mikrolan\/\" data-type=\"page\" data-id=\"4526\">sm\u00e5l\u00e5n<\/a> du har innan du skickar in din ans\u00f6kan<\/li>\n\n\n\n<li><strong>Kontrollera kraven:<\/strong> Kontrollera l\u00e5ngivarens grundkrav och se till att uppfylla dessa f\u00f6rst<\/li>\n\n\n\n<li><strong>Undvik kreditupplysningar:<\/strong> F\u00f6r m\u00e5nga kreditupplysningar g\u00f6r att risken \u00e4r h\u00f6gre att du f\u00e5r avslag p\u00e5 din ans\u00f6kan<\/li>\n<\/ul>\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-large is-arrow is-fullwidth\" target=\"_self\"  >7 b\u00e4sta l\u00e5n utan avslag<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>7 b\u00e4sta l\u00e5n f\u00f6r dig som ofta f\u00e5r avslag Beh\u00f6ver du &#8221;l\u00e5na pengar utan avslag&#8221;? Allts\u00e5 att du vill hitta\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":79467,"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":[],"_links":{"self":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/75791"}],"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=75791"}],"version-history":[{"count":46,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/75791\/revisions"}],"predecessor-version":[{"id":76005,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/75791\/revisions\/76005"}],"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\/79467"}],"wp:attachment":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media?parent=75791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/categories?post=75791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/tags?post=75791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}