Compare Car Finance in Sweden

Compare the total amount repayable across the full term, not just the monthly payment — PCP balloon payments and optional final payments can make headline costs misleading.

20 live car finance offers tracked across 20 Swedish providers, with APRs from 3.90%. Data current as of 1 November 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 20 providers, from 3.90% APR. Updated daily.

Toyota Financial Services SE Toyota Financial Services SE

3.90% APR

  • Representative APR: From 3.9% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 1.5M
  • Key Feature: PCP guaranteed value

Renault Finance SE Renault Finance Sverige

4.20% APR

  • Representative APR: From 4.2% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 1.2M
  • Key Feature: PCP Renault

Lendo Billån SE Lendo Sverige

4.50% APR

  • Representative APR: From 4.5% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 500k
  • Key Feature: Compare lenders

Mercedes-Benz Finans SE Mercedes-Benz Financial Services SE

4.50% APR

  • Representative APR: From 4.5% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 2M
  • Key Feature: Agility finance

Sambla Billån SE Sambla Sverige

4.80% APR

  • Representative APR: From 4.8% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 500k
  • Key Feature: Free comparison

BMW Financial Services SE BMW Financial Services SE

4.90% APR

  • Representative APR: From 4.9% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 1.5M
  • Key Feature: PCP + HP options

Ford Credit Sverige Ford Credit Sverige

4.90% APR

  • Representative APR: From 4.9% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 1M
  • Key Feature: Personal contract

Moank Billån SE Moank

4.90% APR

  • Representative APR: From 4.9% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 500k
  • Key Feature: No fee

Marginalen Billån SE Marginalen Bank

5.20% APR

  • Representative APR: From 5.2% APR
  • Loan Term: 60 months
  • Max Loan Amount: SEK 400k
  • Key Feature: Quick decision

Collector Billån SE Collector Bank SE

5.50% APR

  • Representative APR: From 5.5% APR
  • Loan Term: 72 months
  • Max Loan Amount: SEK 500k
  • Key Feature: Extended term

Volkswagen Finansiering Billån SE Volkswagen Finansiering SE

5.90% APR

  • Representative APR: 5.9% effektiv ränta
  • Loan Term: 24–72 months
  • Max Loan Amount: SEK 1,000,000
  • Key Feature: VW Group captive (VW/Audi/Skoda/SEAT/Cupra); balloon option; dealer network

Volvo Financial Services Billån SE Volvo Financial Services SE

6.40% APR

  • Representative APR: 6.4% effektiv ränta
  • Loan Term: 24–60 months
  • Max Loan Amount: SEK 1,500,000
  • Key Feature: Volvo captive finance; new Volvo cars; Care Key and subscription options also available

Revolut Billån SE Revolut Sverige

6.50% APR

  • Representative APR: From 6.5% APR
  • Loan Term: 48 months
  • Max Loan Amount: SEK 300k
  • Key Feature: Digital-first

Resurs Autofinans Billån SE Resurs Bank

7.90% APR

  • Representative APR: 7.9% effektiv ränta
  • Loan Term: 12–84 months
  • Max Loan Amount: SEK 700,000
  • Key Feature: Resurs Bank; specialist auto lender; new and used; dealer and direct channel

Swedbank Billån SE Swedbank

8.40% APR

  • Representative APR: 8.4% effektiv ränta
  • Loan Term: 12–84 months
  • Max Loan Amount: SEK 1,000,000
  • Key Feature: Swedbank; major Swedish bank; branch network; online application; savings clubs benefit

Nordea Billån SE Nordea

8.90% APR

  • Representative APR: 8.9% effektiv ränta
  • Loan Term: 12–84 months
  • Max Loan Amount: SEK 1,000,000
  • Key Feature: Nordea; Nordic major bank; online and branch; flexible repayment terms

Handelsbanken Billån Handelsbanken

Price on request

Car loans from Handelsbanken with competitive rates. New and used cars.

  • Min Rate: 4.9% p.a.
  • Max Term: 7 years
  • Max Financing: Up to 80%

Länsförsäkringar Billån Länsförsäkringar

Price on request

Car loan from Länsförsäkringar Bank with bonus rates for insurance customers.

  • Min Rate: 4.75% p.a.
  • Max Term: 7 years
  • Max Financing: Up to 85%

Ikano Billån Ikano Bank

Price on request

Car loan from Ikano Bank (owned by IKEA Group) with no arrangement fees.

  • Min Rate: 5.5% p.a.
  • Max Term: 5 years
  • Max Financing: Up to 75%

SEB Billån SEB

Price on request

Car finance from SEB with fast approval and flexible repayment.

  • Min Rate: 5.1% p.a.
  • Max Term: 6 years
  • Max Financing: Up to 80%

What is car finance in Sweden?

Car finance (bilfinansiering) lets you spread the cost of a vehicle over monthly payments instead of paying the full price upfront. In Sweden the two main routes are a secured car loan (billån), where the vehicle acts as security, and an unsecured personal loan (blancolån) used to buy a car. Many buyers also use dealer finance arranged at the point of sale, often through a manufacturer's own finance arm.

The choice affects your interest rate, your deposit and who owns the car during the agreement, so it is worth understanding each structure before signing.

How the Swedish market works

Lenders must be authorised and are supervised by Finansinspektionen (FI), and all consumer car credit falls under Konsumentkreditlagen. Applications involve a kreditupplysning via UC and identity confirmation through BankID. With a billån the lender typically retains a security interest in the car (ägarförbehåll or an ownership reservation) until the loan is fully repaid, which usually means a lower rate than an unsecured loan. Dealer finance, such as through Volkswagen Finansiering SE, is arranged directly at the showroom and may include manufacturer campaign rates.

Benefits

Spread the cost — Pay for the car over a set term rather than in one lump sum.

Lower rates on secured loans — A billån secured on the vehicle usually carries a lower effektiv ränta than an unsecured blancolån.

Flexible structures — A kontantinsats (deposit) and optional restvärde (balloon/residual value) can lower monthly payments.

Convenient dealer finance — Manufacturer finance can be arranged on the spot, sometimes with promotional rates.

How to choose

Compare the effektiv ränta across offers, not just the monthly payment, because term length and a balloon payment can make a low monthly cost more expensive overall. Decide how large a kontantinsats you can put down; a bigger deposit lowers the amount borrowed and often the rate. Consider whether a restvärde (balloon) suits you, keeping in mind you must settle or refinance it at the end. Weigh a secured billån (lower rate, lender's ownership reservation until final payment) against an unsecured blancolån (you own the car outright but usually pay a higher rate).

Leading providers in Sweden

Handelsbanken, Nordea, SEB and Swedbank offer car loans through their branch and digital channels. Länsförsäkringar provides vehicle finance alongside insurance. Specialist consumer-credit lenders such as Resurs Bank and Ikano Bank are active in car and dealer finance. Volkswagen Finansiering SE is a manufacturer finance provider offering finance on its brands directly through dealers. Comparing a bank loan against dealer and manufacturer finance often reveals meaningful differences in rate and flexibility.

What it costs

Advertised APRs in the Swedish market currently range from around 3.9% to 8.9% effektiv ränta, with secured billån at the lower end and unsecured or higher-risk borrowing toward the top. Your actual rate depends on your credit assessment, the loan amount, the term and the size of your kontantinsats. Watch for arrangement fees (uppläggningsavgift), monthly administration fees (aviavgift) and the cost implication of any restvärde, all of which the effektiv ränta is designed to capture.

Protections and regulation

Car finance providers are supervised by Finansinspektionen and must assess affordability and lend responsibly under Konsumentkreditlagen. You are entitled to clear pre-contract information, the effektiv ränta and a 14-day right of withdrawal on new credit agreements. Konsumentverket and Hallå Konsument provide independent guidance on car buying and finance disputes. With a secured billån, remember the lender's ownership reservation means you cannot sell the car freely until the loan is settled.

Common questions

Billån or blancolån? — A billån is secured on the car and usually cheaper; a blancolån is unsecured, giving you outright ownership but typically a higher rate.

Do I own the car during the agreement? — With most secured car loans the lender holds an ownership reservation until the final payment; with a personal loan you own it from the start.

What is a restvärde? — A larger final balloon payment that lowers your monthly cost but must be paid or refinanced at the end of the term.

Car Finance in Sweden — FAQ

What is the best car finance rate in Sweden right now?

Giraffy tracks 20 car finance products across 20 lenders in Sweden. Compare by APR to find the most cost-effective way to finance your vehicle.

What types of vehicle finance are available?

Common vehicle finance types include hire purchase (you own the car at the end), personal loans (borrow the cash outright), dealer finance, and leasing (no ownership). Compare total cost of credit — not just monthly payments — to find the most affordable option.

What credit score do I need for car finance?

Most mainstream lenders require a fair to good credit score. Specialist lenders offer car finance to those with poor or limited credit history, but typically at higher APRs. Check your eligibility using a soft-search tool before applying to avoid unnecessary hard searches on your credit file.

Can I get car finance with bad credit?

Yes — specialist lenders offer car finance to borrowers with a poor credit history, but at higher interest rates. A larger deposit reduces risk for the lender and may secure you a better rate. Improving your credit score before applying is the most cost-effective long-term approach.

What fees should I watch for on a car finance deal?

Watch for origination fees, documentation fees, prepayment penalties, and GAP insurance charges. These can add significantly to the total cost of a car finance deal. Always compare total cost of credit — not just the monthly payment or headline APR.

Is it cheaper to get car finance through a dealer or directly with a lender?

Dealer car finance is convenient but not always the cheapest — dealers often earn commission on the finance package. Comparing independent lenders via Giraffy before visiting a showroom gives you a benchmark rate. Arriving with pre-approved car finance puts you in a stronger negotiating position.

What happens if I want to settle a car finance deal early?

Early settlement typically involves paying the outstanding capital plus a settlement fee (usually 1–2 months' interest). Check the specific early repayment terms in your agreement before settling early.