When the fast so-called small loans were launched, it was only possible to borrow a little less money by means of these loans, which was of great help to anyone who needed a little “quick cash” temporarily. Larger sums, however, were long difficult to borrow as quickly, but this is not the case anymore, because today there are many loan companies that offer so-called small loans even on larger amounts.
However, how much can one still borrow as a small loan, since small loans are meant to be just small, but medium-sized amounts, such as SEK 15000? Therefore, if you need to borrow SEK 15,000 quickly, this is possible now, thanks to this.
Good to know if you would need to borrow SEK 15,000 quickly, however, is that all SMEs do not lend so much. One must, therefore, turn specifically to the lenders who do so and do not waste time looking at lenders who only lend smaller amounts. Fortunately, it is, however, easy to check out how much you can borrow from each lender, as the lenders tend to be good at printing out which loan sums they can offer on their websites. Our advice to those who need to borrow this sum is, therefore, to go into some different SMB providers’ websites, to check out which loan sums are offered.
Another option for finding lenders offering loans on this sum may also be to look for this in search engines like Google. There are a lot of loan guides online, which list different possible loan options, and of course, some of the lenders who offer these loan amounts will automatically appear among the search results if you search for this.
What is the difference between taking a small loan of SEK 15,000 and another loan?
What distinguishes the small loans from the more traditional, “ordinary” loans, is that it is much easier to apply for a microloan, as the application procedure is usually simplified for small loans.
In addition, small loans are characterized by the fact that it is possible to get them quickly if one is granted a loan. This speed is not at all as common for other types of loans, so if you want the whole thing to go fast, it is a small loan and nothing else to take.
Worth mentioning about the small loans is also that you do not pay interest on these loans in the same way as for other loans, eg. bank loan. Instead, you usually pay (for most small loans, there are some exceptions, because there are some lenders in the market who use ordinary interest rates) a fixed fee for the loan. Several different designations can be used for this fee. An administration fee, setup fee, and handling fee are eg. commonly used terms, and you should always find out how large the fee will be before you apply for the loan.
If you are used to looking at borrowing costs only in interest rate form, you can, however, recalculate the fee to interest if you want it. By law, the lender must also state the effective annual interest rate on the loan somewhere, so looking at this can be a good way to find out how advantageous a particular loan is in relation to other loans on the market.
If you want a loan of SEK 15,000, you have many opportunities. You can apply for a private loan with your regular bank, as most of the traditional banks offer private loans, ie unsecured loans, from SEK 15,000 upwards. But, there are also other lenders that provide loans of SEK 15,000, and this particular amount is within the scope of both microloans and ordinary private loans.
You know that there are many different types of loans. Loans that are intended for different situations and therefore have different conditions and different interest rates. If you need a large loan to buy houses, for example, you can get a mortgage that has a longer repayment period and lower interest rate, to be tailored to the large amounts often involved.
If you “only” need a smaller financial supplement, perhaps to be able to buy something, or to pay unforeseen expenses, a private loan is a more appropriate option. Private loans are another name for unsecured loans, that is, a loan that you can get without borrowing anything, or leaving any other form of security. When no security is provided, the lenders take a little greater risk, which they usually compensate for by taking a slightly higher interest rate on these loans. But, that you do not need to provide any security also means that it is quick and easy to get a loan.
Offers private loans
If you want to borrow SEK 15,000, you can then go to your local bank office and apply for a loan, as most banks offer private loans amounting to SEK 15,000 and up to SEK 350,000 – SEK 400,000.
But, you can also apply for loans here, online, where there are a large number of loans to choose from. The most popular loans today are the so-called microloans. These are loans at relatively small amounts, which are often repaid faster than regular loans. Microloans have been used to be used in everyday life, and they are usually between SEK 500 and SEK 10,000-15,000. So there are some micro-loans that extend up to the size of the loan you want. Microloans have become so extremely popular, not least because they are relatively easy to get and that you pay off quickly, and therefore quickly become debt free.
A relatively small loan
But, although it is a relatively small loan, it is, of course, important to consider not applying for a loan if you are not sure that you can pay back without any problems. A missed installment can be an expensive story, and in the worst case, it can also mean that you get a payment note that poses major problems in everyday life. When looking for a loan, it is also important to ensure that you get a loan with good terms and low interest rates, even if it is not such a large loan.
If you are looking for a loan here online, you have great opportunities to find a loan that suits you and your needs because all loans and lenders are gathered in one place. You get a good overview of what loans exist and you can easily compare the different loans to find the best and cheapest. If you do not want to do the job yourself, there are special comparison sites that compare to you and produce the best loans in the category you are interested in. Comparing interest rates is a good way to find the cheapest loan, but remember that it is the effective interest rate you should look for. The effective interest rate includes all costs, such as setup fee, newspaper fees and the like, and this is the interest rate that tells you how much the loan will actually cost.
Find out the exact cost of your loan
Most lenders providing loans over the web offer a tool on their website, which helps you bring out the exact cost of your loan. Usually, there are controls that you can set to the desired amount and the desired loan period and which then shows the monthly cost for the current loan. You can easily move the controls to see how another repayment period, or another loan amount, will affect the cost of the loan. The loans are very flexible because you can decide how much you want to borrow, and how long you need to repay.
When you borrow SEK 15,000, you can usually choose repayment periods of between 3 months and 2 years. It is important to keep in mind that the longer the repayment period you choose, the higher the total cost of the loan. If you take the loan from your regular bank, you may be able to get a different loan period than if you chose a quick loan online.
Quick and easy loans
You can find quick loans here online, and if you need the money quickly, these loans are of course the best option. The loans are quick and easy to search, and you usually get answers right on the screen. When you apply for a loan, you specify the desired loan amount and repayment period. Then fill in the personal information that is requested and send your application away with one click. You will receive an answer directly on the screen. Once you have signed the loan agreement, the money is paid out. Nowadays it is common for you to sign the agreement electronically, which saves a lot of time.
If you can sign the agreement with a bank ID or the like, the money can usually be paid out immediately. This means that you can have the money in the account on the day the loan is granted. If you need to have the money really fast, it may be good to check out which paying bank lender has and choose a loan that is paid out through your bank. Then you get the money in your account with direct payment regardless of the day of the week or time of day. Here you can borrow SEK 15,000 and get them in the account the same day.
If you would rather borrow from your regular bank, there is the possibility of obtaining a loan of SEK 15,000. But because you have to make an appointment at the bank office for the application, and wait for a message, you have to be prepared to wait a few days for your money.