Flexible account credit – Open credit account

At E-Money you will find a modern credit account, where replies come quickly and where monthly costs are low with flexible repayment.

This is a high cost credit If you cannot repay the entire debt, you risk a payment note. For support, turn to the budget and debt counseling in your municipality.

Credit limit: USD 5,000 – 30,000. The minimum monthly cost is 6% of the amount withdrawn or USD 350, which is the highest. Monthly rate 3.28%, Nominal annual interest 39.3%, Planning fee USD 320, Withdrawal fee USD 49, Aviation fee USD 35. The effective interest rate for withdrawals of USD 15,000, which is repaid in 12 months, is 56.73%, total cost USD 20,996.

A flexible loan account


No security

You do not have to pledge or provide any guarantees

Application without hassle

You apply directly on the website without complicated forms

Clear pricing

The loan is free of annual fees or other hidden fees.

You decide the refund

You can pay off for a long time, which results in low monthly costs.

Secure application and login

Log in securely with your bank ID or via your bank.

No more clumsy and time-consuming processes

Here’s how to apply


Select the desired outlet

You can apply for withdrawals from USD 1,000 to USD 30,000.

Log in securely with bank id or bank login

The application does not take more than a few minutes to complete and can be done on any device.

Money in your account

In most cases, you get the money in your account right after a positive loan decision.

E-Money’s loan is an account credit (like a credit card, though online) with no pledge or any form of collateral. We offer a credit facility of up to USD 30,000 where you can freely withdraw money within your granted credit limit. You only pay interest on the amount you have used.

Credit up to USD 30,000

Pay only for the amount used

Flexible withdrawals and refunds

Pay from 350 USD / month

Like a credit card online

What is required to borrow?


As a responsible lender, we analyze your ability to pay to ensure that you can repay the amounts you withdraw from your account credit. We do not blindly rely on historical data but also look to your future ability to pay. Below you will find our basic requirements for being granted a credit. We always make an individual assessment for each credit application.

At least 18 years

To be granted a credit with us, you must be at least 18 years and a maximum of 72 years.

Registered in Sweden

You must have been registered in Sweden for the past five years. You must also have a personal Swedish bank account.

Fixed monthly income

Even though the monthly payments for our credit account are low, we require that you have a fixed recurring monthly income.

No cases at the Crown Guardian

You may not have any debts with the Crown Magistrate or any payment remarks.

You can be granted an account credit of up to USD 30,000, which you choose how quickly or slowly you want to repay.

Our credit account is a versatile credit that meets many different financing needs. You can apply for a credit range from USD 1,000 to USD 30,000. We are not charged for extra costs such as application fees, limit raising fees or annual fees. You only pay for the space you have used.

Get 1,000 to 30,000 in credit

You can apply for credit with a space of up to USD 30,000 and use the amount needed for the moment. We have a long repayment which keeps your costs low so it does not overload your finances.

No deposit or security is required

When you apply for an account credit with E-Money, you do not need to provide any security or collateral. We secure your ability to repay, for example by checking your credit information through modern methods of analysis.

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