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 The minimum monthly cost is 6% of the amount withdrawn or USD 350, which is the highest.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.
You do not have to pledge or provide any guarantees
You apply directly on the website without complicated forms
The loan is free of annual fees or other hidden fees.
You can pay off for a long time, which results in low monthly costs.
Log in securely with your bank ID or via your bank.
You can apply for withdrawals from USD 1,000 to USD 30,000.
The application does not take more than a few minutes to complete and can be done on any device.
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.
Pay only for the amount used
Flexible withdrawals and refunds
Pay from 350 USD / month
Like a credit card online
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.
To be granted a credit with us, you must be at least 18 years and a maximum of 72 years.
You must have been registered in Sweden for the past five years. You must also have a personal Swedish bank account.
Even though the monthly payments for our credit account are low, we require that you have a fixed recurring monthly income.
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.
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.
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.