{"id":821,"date":"2015-12-09T07:33:33","date_gmt":"2015-12-09T06:33:33","guid":{"rendered":"https:\/\/financer.dk\/?page_id=821"},"modified":"2024-07-12T08:05:29","modified_gmt":"2024-07-12T06:05:29","slug":"kviklaan","status":"publish","type":"page","link":"https:\/\/financer.dk\/laan-penge\/kviklaan\/","title":{"rendered":"Kvikl\u00e5n"},"content":{"rendered":"<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Oversigt over kvikl\u00e5n i denne artikel<\/h3><p style=\"text-align: left;\"><strong>L\u00e5neudbydere:<\/strong>\u00a0+20<\/p>\n<p style=\"text-align: left;\"><strong>Maksimal \u00c5OP: <\/strong>25,37%<\/p>\n<p style=\"text-align: left;\"><strong>L\u00e5nebel\u00f8b: <\/strong>1.000 kr. &#8211; 500.000 kr.<\/p>\n<p style=\"text-align: left;\"><strong>Kvikl\u00e5n med straks udbetaling:<\/strong>\u00a0<a href=\"https:\/\/financer.dk\/laan-penge\/udbetaling-med-det-samme\/\">5 l\u00e5neudbydere<\/a><\/p><p class=\"has-text-left\">\n\t    <a href=\"#alle\"   class=\"button is-normal is-primary is-rounded is-large\">Alle kvikl\u00e5n <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kvikln___find_nye_kvikln_i_Danmark_hos_Financerdk\">Kvikl\u00e5n &#8211; find nye kvikl\u00e5n i Danmark hos Financer.dk<\/h2>\n\n\n\n<p><strong>Kvikl\u00e5n<\/strong> tilbydes af online l\u00e5ngivere og markedsf\u00f8res ofte som en m\u00e5de at d\u00e6kke n\u00f8dudgifter samt kompensere for et kortsigtet kontantunderskud. <\/p>\n\n\n\n<p>De kan bruges til en lang r\u00e6kke form\u00e5l, lige fra at betale uventede regninger, bilreparationer og til at d\u00e6kke rejseudgifter eller andre personlige behov.<\/p>\n\n\n\n<p>Kvikl\u00e5n kommer dog med h\u00f8jere renter end andre l\u00e5n, og selvom Finanstilsynet i 2020 indf\u00f8rte en r\u00e6kke regler, <strong>herunder en maksimal \u00c5OP p\u00e5 35%<\/strong>, kan der stadig v\u00e6re andre gebyrer og omkostninger du skal v\u00e6re opm\u00e6rksom p\u00e5.<\/p>\n\n\n\n<p>Kvikl\u00e5n kaldes ogs\u00e5 for <a href=\"https:\/\/financer.dk\/laan-penge\/sms-laan\/\" data-type=\"page\" data-id=\"3479\">SMS l\u00e5n<\/a>, quickl\u00e5n, <a href=\"https:\/\/financer.dk\/laan-penge\/minilaan\/\" data-type=\"page\" data-id=\"8264\">minil\u00e5n<\/a> og kvik l\u00e5n.<\/p>\n\n\n\n<p><em>L\u00e6s mere i vores artikel: <a href=\"https:\/\/financer.dk\/wiki\/hvad-er-et-kviklaan\/\" data-type=\"wiki\" data-id=\"21419\">Hvad er kvikl\u00e5n?<\/a><\/em><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Top 5 kvikl\u00e5n\/SMS l\u00e5n i 2024<\/h3><ul>\n<li><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">Nordcredit<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 25.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 20.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 25.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\">Ferratum<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 50.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\">PayMark Finans<\/a> &#8211; L\u00e5nebel\u00f8b op til 150.000 kr.\u00a0<\/li>\n<\/ul><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.dk\/laan-penge\/\"   class=\"button is-normal is-primary is-rounded is-large\">Se alle l\u00e5n <\/a>\n\t<\/p><\/div>\n\n\n<p>Det er relativ let at f\u00e5 et kvikl\u00e5n, og de fleste kvikl\u00e5n er <a href=\"https:\/\/financer.dk\/laan-penge\/udbetaling-med-det-samme\/\">l\u00e5n med hurtig udbetaling<\/a>, <a href=\"https:\/\/financer.dk\/laan-penge\/hoej-godkendelse\/\">l\u00e5n med h\u00f8j godkendelse<\/a> og <a href=\"https:\/\/financer.dk\/laan-penge\/udbetaling-i-weekenden\/\">l\u00e5n med udbetaling i weekenden<\/a>.  <\/p>\n\n\n\n<p>Men du b\u00f8r n\u00f8je overveje form\u00e5let, inden du l\u00e5ner penge. Lav et budget og s\u00f8rg for at du har styr p\u00e5 alle l\u00e5nebegreber samt at du har en solid plan for at betale l\u00e5net tilbage til tiden.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"https:\/\/financer.dk\/laan-penge\/lanebegreber\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  >Se alle l\u00e5nebegreber<\/a><\/div>\n\n\n<p>I denne artikel vil vi gennemg\u00e5 det grundl\u00e6ggende ved kvikl\u00e5n, hvordan de fungerer, og hvad man skal kigge efter for at finde de bedste kvikl\u00e5n. <\/p>\n\n\n\n<p>Denne guide giver dig de oplysninger, du har brug for, s\u00e5 du kan tr\u00e6ffe en informeret beslutning, f\u00f8r du tager et kvikl\u00e5n med straksudbetaling i 2024.<\/p>\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.dk\/selskab\/ferratum\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>9.497<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kredit, kvikl\u00e5n<\/li><li >Ferratum har en h\u00f8j score p\u00e5 Trustpilot p\u00e5 4,4\/5 stjerner<\/li><li >Ferratum tilbyder l\u00e5n uden sikkerhed<\/li><li >Tilbyder straksudbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">22<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"216\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\">28<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >F\u00f8lgende priseksempel er baseret p\u00e5 antagelsen om, at man som ny kreditkunde udtr\u00e6kker bel\u00f8bet straks og tilbagebetaler over 12 m\u00e5neder.   L\u00e5nebel\u00f8b: 50.000 kr.\u00a0  Debitorrente: 22,52% &#8211; \u00c5OP: 24,99%  Samlede kreditomkostninger: 6.098 kr.\u00a0  Samlet tilbagebetaling: 56.098 kr.\u00a0  Minimumsbetaling hver m\u00e5ned: 4.674,86 kr.\u00a0     * Minimum m\u00e5nedlig betaling: 3.18% af den udst\u00e5ende kredit eller min. 150 kroner afh\u00e6ngigt af, hvad der er st\u00f8rst. Minimum tilbagebetaling: 9 m\u00e5neder. Maksimum tilbagebetaling: 199 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kvikln_oversigt_i_Danmark_fn_date_formatY\">Kvikl\u00e5n oversigt i Danmark 2024<\/h2>\n\n\n\n<p>Dyk ned i vores kvikl\u00e5n oversigt, som viser alle kvikl\u00e5n i Danmark og kan hj\u00e6lpe dig med at d\u00e6kke dine specifikke behov og omst\u00e6ndigheder.<\/p>\n\n\n\n<p id=\"alle\">Uanset om du har brug for et kvikl\u00e5n med hurtig udbetaling, leder efter et kvikl\u00e5n uden kreditgodkendelse, sm\u00e5 kvikl\u00e5n eller noget helt andet, s\u00e5 vil vores kvikl\u00e5n oversigt give dig de oplysninger, du har brug for.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>L\u00e5neudbyder<\/th><th>L\u00e5nebel\u00f8b<\/th><th>Rente<\/th><th>\u00c5OP<\/th><th>L\u00f8betid<\/th><th>Alderskrav<\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a><\/strong><\/td><td>4.000 &#8211; 25.000 DKK<\/td><td>0%&nbsp;<\/td><td>24,87%<\/td><td>1-24 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/bank-norwegian\/\">Bank Norwegian<\/a><\/strong><\/td><td>5.000 &#8211; 400.000 DKK<\/td><td>8,83% &#8211; 23,13%<\/td><td>8,83% &#8211; 23,13%<\/td><td>12-180 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/lendo\/\">Lendo<\/a><\/strong><\/td><td>10.000 &#8211; 400.000 DKK<\/td><td>0,00 &#8211; 24,24%<\/td><td>7,43%<\/td><td>12-144 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/lendme\/\">LendMe<\/a><\/strong><\/td><td>10.000 &#8211; 400.000 DKK<\/td><td>3,60 &#8211; 20,95%<\/td><td>4,11 &#8211; 21,77%<\/td><td>12-180 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\">Ferratum<\/a><\/strong><\/td><td>2.500 &#8211; 50.000 DKK<\/td><td>22,52%<\/td><td>24,99%<\/td><td>9-199 mdr.<\/td><td>21 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/der\/\">D:E:R Privat Finans<\/a><\/strong><\/td><td>10.000 &#8211; 150.000 DKK<\/td><td><strong>FAST <\/strong>16,90%<\/td><td>19,65 &#8211; 23,49%<\/td><td>36-102 mdr.<\/td><td>20 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/leasy-kontantlaan\/\">L\u2019EASY<\/a><\/strong><\/td><td>10.000 &#8211; 150.000 DKK<\/td><td><strong>FAST <\/strong>16,90%<\/td><td>19,65 &#8211; 23,49%<\/td><td>36-102 mdr.<\/td><td>20 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/leasy-minilaan\/\">L\u2019EASY minil\u00e5n<\/a><\/strong><\/td><td>10.000 &#8211; 150.000 DKK<\/td><td><strong>FAST <\/strong>16,90%<\/td><td>16,65% &#8211; 23,50%<\/td><td>36-102 mdr.<\/td><td>20 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\">Paymark Finans<\/a><\/strong><\/td><td>10.000 &#8211; 150.000 DKK<\/td><td><strong>FAST <\/strong>16,90%<\/td><td>23,49%<\/td><td>36-102 mdr.<\/td><td>20 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/digifinans\/\">Digifinans<\/a><\/strong><\/td><td>5.000 &#8211; 400.000 DKK<\/td><td>7%<\/td><td>7,56% &#8211; 25,37%<\/td><td>1-15 \u00e5r<\/td><td>20 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a><\/strong><\/td><td>3.000 &#8211; 20.000 DKK<\/td><td><strong>FAST <\/strong>21,96%<\/td><td>24,31%&nbsp;<\/td><td>6 mdr.<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">NordCredit<\/a><\/strong><\/td><td>1.000 &#8211; 25.000 DKK<\/td><td><strong>FAST <\/strong>24,97%<\/td><td>24,97%<\/td><td>12 mdr.<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/foeniks-laan\/\">F\u00f8niks Privatl\u00e5n<\/a><\/strong><\/td><td>10.000 &#8211; 150.000 DKK<\/td><td><strong>FAST <\/strong>18,58%<\/td><td>21,43% &#8211; 23,80%<\/td><td>48-102<\/td><td>20 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/facit-bank\/\">Facit Bank<\/a><\/strong><\/td><td>10.000 &#8211; 300.000 DKK<\/td><td>8,21% &#8211; 16,08%<\/td><td>9,39% &#8211; 24,43%<\/td><td>36-120 mdr.<\/td><td>21 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/laanio\/\">L\u00e5nio<\/a><\/strong><\/td><td>10.000 &#8211; 300.000 DKK<\/td><td>3,49% &#8211; 29,95%<\/td><td>7,75% (eksempel)<\/td><td>1-12 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/sambla\/\">Sambla<\/a><\/strong><\/td><td>5.000 &#8211; 400.000 DKK<\/td><td>7%<\/td><td>7,56% &#8211; 25,37%<\/td><td>1-15 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/arcadia-finans\/\">ArcadiaFinans<\/a><\/strong><\/td><td>25.000 &#8211; 400.000 DKK<\/td><td>9,95% &#8211; 18,95%<\/td><td>Fra 11,85%<\/td><td>1-15 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/amyfinans\/\">Amyfinans<\/a><\/strong><\/td><td>25.000 &#8211; 500.000 DKK<\/td><td>7%<\/td><td>7,56% &#8211; 12,36%<\/td><td>1-15 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/letfinans\/\">Letfinans<\/a><\/strong><\/td><td>10.000 &#8211; 500.000 DKK<\/td><td>3,49% &#8211; 18,20%<\/td><td>3,69% &#8211; 24,99%<\/td><td>1-12 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/bankly\/\">Bankly<\/a><\/strong><\/td><td>10.000 &#8211; 500.000 DKK<\/td><td>7%<\/td><td>3,34% &#8211; 24,99%<\/td><td>1-12 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/ekspert-laan\/\">Ekspertl\u00e5n<\/a><\/strong><\/td><td>10.000 &#8211; 500.000 DKK<\/td><td>3,60% &#8211; 20,95%<\/td><td>7,97% (eksempel)<\/td><td>1-15 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/santander-consumer-bank\/laan\/\">Santander<\/a><\/strong><\/td><td>20.000 &#8211; 350.000 DKK<\/td><td>7,95% &#8211; 13,95%<\/td><td>8,60% &#8211; 21,6%<\/td><td>2-15 \u00e5r<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/autolaanet\/\">Autol\u00e5net<\/a><\/strong><\/td><td>30.000 &#8211; 400.000 DKK<\/td><td>3,60% &#8211; 20,95%<\/td><td>3,69% &#8211; 24,99%<\/td><td>12-180 mdr.<\/td><td>21 \u00e5r<\/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=\"https:\/\/financer.dk\/laan-penge\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Alle l\u00e5n hos Financer<\/a><\/div>\n\n\n\t\t<div id=\"genericloan_1_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Sammenlign l\u00e5n fra 44 l\u00e5ngivere\n<\/h3><p>Find det billigste l\u00e5n med et enkelt klik\n<\/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.dk\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=360&\" data-slider-url=\"https:\/\/financer.dk\/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\">Sammenlign l\u00e5n<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Sdan_vurderer_Financer_de_bedste_kvikln\">S\u00e5dan vurderer Financer de bedste kvikl\u00e5n<\/h2>\n\n\n\n<p>P\u00e5 Financer.dk har vi foretaget en grundig evaluering og analyse af alle udbydere af kvikl\u00e5n i Danmark.<\/p>\n\n\n\n<p>Vores vurdering er altid designet til at anbefale de bedste l\u00f8sninger til vores brugere.<\/p>\n\n\n\n<p>Den er baseret p\u00e5 information tilg\u00e6ngelig p\u00e5 l\u00e5ngivernes hjemmeside samt relevante tredjepartskilder som Trustpilot.<\/p>\n\n\n\n<p>Vores anbefalinger og brugen af ordet &#8220;bedste&#8221; om et l\u00e5n er baseret p\u00e5 f\u00f8lgende kriterier:<\/p>\n\n\n\n<ul>\n<li><strong>L\u00e5nevilk\u00e5r: <\/strong>Hvilke omkostninger er der ved l\u00e5net?<\/li>\n\n\n\n<li><strong>Popularitet: <\/strong>Hvilke l\u00e5n v\u00e6lger brugerne og har tillid til?<\/li>\n\n\n\n<li><strong>Fleksibilitet: <\/strong>Kan brugeren f\u00e5 det \u00f8nskede l\u00e5n?<\/li>\n\n\n\n<li><strong>Kundeoplevelse: <\/strong>Har tidligere kunder gode oplevelser med l\u00e5ngiveren?<\/li>\n<\/ul>\n\n\n\n<p>Vi \u00f8nsker p\u00e5 baggrund af vores anbefalinger, at du kan bruge det som et v\u00e6rkt\u00f8j i din proces med at finde den rigtige l\u00f8sning, men vi opfordrer altid alle vores brugere til at foretage deres egen vurdering.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_hjt_vurderet_kvikln_hos_Financerdk\">5 h\u00f8jt vurderet kvikl\u00e5n hos Financer.dk<\/h3>\n\n\n\n<p>P\u00e5 baggrund af vores evaluering og analyse af kvikl\u00e5nsudbydere i Danmark har vi samlet en liste over 5 h\u00f8jt vurderede kvikl\u00e5n hos Financer.dk.<\/p>\n\n\n\n<p>Denne liste er designet ud fra de oplevelser, som andre har haft med de p\u00e5g\u00e6ldende l\u00e5neudbydere.<\/p>\n\n\n\n<p>Den er baseret p\u00e5 information fra l\u00e5ngivernes egne hjemmesider samt relevante tredjepartskilder som brugere og Trustpilot.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>L\u00e5neudbyder<\/th><th>L\u00e5nebel\u00f8b<\/th><th>Rente<\/th><th>L\u00f8betid<\/th><th>Alderskrav<\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a><\/strong><\/td><td>4.000 &#8211; 25.000 DKK<\/td><td>0%&nbsp;<\/td><td>1-24 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a><\/strong><\/td><td>3.000 &#8211; 20.000 DKK<\/td><td><strong>Fast <\/strong>21,96%<\/td><td>6 mdr.<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\">Paymark Finans<\/a><\/strong><\/td><td>10.000 &#8211; 150.000 DKK<\/td><td><strong>Fast <\/strong>16,90%<\/td><td>36-102 mdr.<\/td><td>21 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">NordCredit<\/a><\/strong><\/td><td>1.000 &#8211; 25.000 DKK<\/td><td><strong>FAST <\/strong>24,97%<\/td><td>12 mdr.<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\">Ferratum<\/a><\/strong><\/td><td>2.500 &#8211; 50.000 DKK<\/td><td>22,52%<\/td><td>9-199 mdr.<\/td><td>21 \u00e5r<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Bedste_kvikln_i_fn_date_formatY\">Bedste kvikl\u00e5n i 2024<\/h2>\n\n\n\n<p>I dette afsnit vil vi se n\u00e6rmere p\u00e5 nogle af de billigste kvikl\u00e5n i 2024, baseret p\u00e5 faktorer som renter, \u00c5OP, gebyrer, l\u00e5nebel\u00f8b og tilbagebetalingsbetingelser.<\/p>\n\n\n\n<p>Det er vigtigt at huske p\u00e5, at de billigste kvikl\u00e5n med de bedste l\u00e5nevilk\u00e5r ofte ogs\u00e5 er de sv\u00e6reste at blive godkendt til.<\/p>\n\n\n\n<p>Det billigste kvikl\u00e5n er s\u00e5ledes ikke altid til meget hj\u00e6lp, hvis du ikke bliver godkendt til det.<\/p>\n\n\n\n<p><strong>Lige nu er Lendo, LendMe og L\u00e5nio.dk alle tre s\u00e5kaldte l\u00e5nebrokers, hvor du f\u00e5r det bedste kvikl\u00e5n.<\/strong><\/p>\n\n\n\n<p>En l\u00e5nebroker indhenter l\u00e5netilbud fra flere banker og vil derfor naturligvis v\u00e6re der, hvor den bedste muligheden for det billigste kvikl\u00e5n findes.<\/p>\n\n\n\n<p>Her er en liste over nogle af de billigste kvikl\u00e5n p\u00e5 markedet i \u00f8jeblikket:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Lendo__laveste_OP_740___lnebelb_fra_10000_DKK\"><strong>Lendo \u2013 laveste \u00c5OP 7,40% &#8211; l\u00e5nebel\u00f8b fra 10.000 DKK<\/strong><\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/09\/lendo-logo.png\" alt=\"Lendo anmeldelse\" class=\"wp-image-29387\"><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/financer.dk\/selskab\/lendo\/\">Lendo<\/a> er en l\u00e5neformidler, som hj\u00e6lper dig med at indhente l\u00e5netilbud fra flere banker og l\u00e5ngivere.<\/p>\n\n\n\n<p>Du kan ans\u00f8ge om l\u00e5n til privat forbrug, samle dine allerede eksisterende l\u00e5n eller ans\u00f8ge om et Lendo bill\u00e5n.<\/p>\n\n\n\n<p>Du kan sammenligne de endelige l\u00e5netilbud, og p\u00e5 den m\u00e5de f\u00e5 et billigere l\u00e5n.<\/p>\n\n\n\n<p>Lendo blev grundlagt i 2007 i Sverige og formidler i dag l\u00e5n i hele Skandinavien, Finland, \u00d8strig og Spanien.<\/p>\n\n\n\n<p>De har i skrivende stund hjulpet mere end en million kunder.<\/p>\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.dk\/selskab\/lendo\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/09\/lendo-logo.png\" class=\"attachment-full size-full\" alt=\"Lendo anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>5.124<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Bredt Udvalg: Sammenlign l\u00e5n fra op til 21 forskellige l\u00e5ngivere<\/li><li >Udbetaling Hurtigt: Pengene udbetales inden for 1-2 hverdage<\/li><li >Personlig R\u00e5dgivning: F\u00e5 hj\u00e6lp p\u00e5 hverdage frem til kl. 16:00<\/li><li >Hurtig Respons: Modtag l\u00e5netilbud inden for f\u00e5 minutter<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">400000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">24.24<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/lendo\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"10591\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/lendo\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/lendo\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/lendo\/#read-reviews\">6<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >*Beregningseksempel: Samlet kreditbel\u00f8b 200.000 kr. L\u00f8betid 11 \u00e5r. \u00c5OP 7,45 %. Variabel debitorrente 7,00 %. Etablering 2.000 kr. Samlet tilbagebetaling 290.268 kr.<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"KreditNU__laveste_OP_2487__lnebelb_fra_4000_DKK\">KreditNU \u2013 laveste \u00c5OP 24,87 \u2013 l\u00e5nebel\u00f8b fra 4.000 DKK<\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/10\/kreditnu-logo.png\" alt=\"KreditNU anmeldelse\" class=\"wp-image-29517\"><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\" data-type=\"company_single\" data-id=\"13469\">KreditNU<\/a> er en del af Blue Finance Group, et dansk selskab ejet af Blue Finance Denmark ApS.<\/p>\n\n\n\n<p>Selskabet opererer i Finland, Danmark, Polen og Spanien og fokuserer p\u00e5 socialt ansvar og teknologisk udvikling inden for kreditbranchen.<\/p>\n\n\n\n<p>KreditNU skiller sig ud fra andre i branchen ved at have en grundig kreditvurdering, hvor du bl.a. skal v\u00e6re fyldt 23 for at kunne ans\u00f8ge om et l\u00e5n.<\/p>\n\n\n\n<p>Dette begrundes med, at KreditNU derved bedre sikrer, at alle deres kunder har den n\u00f8dvendige modenhed til at forst\u00e5 konsekvenserne ved at optage et l\u00e5n.<\/p>\n\n\n\n<p>KreditNU har en Trustpilot-score p\u00e5 4,7 ud af 5 stjerner.<\/p>\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.dk\/selskab\/kreditnu\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/10\/kreditnu-logo.png\" class=\"attachment-full size-full\" alt=\"KreditNU anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.595<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Gratis ans\u00f8gning<\/li><li >L\u00e5netype: Kortsigtet kreditaftale<\/li><li >L\u00e5nebel\u00f8b: 4.000-25.000 kr.<\/li><li >Du skal v\u00e6re fyldt 23 \u00e5r for at kunne ans\u00f8ge<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">25000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">23<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"13469\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: 10.000 kr. over 24 mdr. \u00c5rlig debitorente: 0%. \u00c5OP: 24,87%. Mdl. ydelse: 520,83 kr. Samlet tilbagebetaling: 12.500 kr. Samlede kreditomk.: 2.500 kr. Ans\u00f8ger skal v\u00e6re mellem 23-70 \u00e5r samt opfylde kriterierne for samlet kreditv\u00e6rdighedsvurdering og m\u00e5 ikke v\u00e6re registreret i RKI eller Debitor Registret.<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Letfinans__laveste_OP_369___lnebelb_fra_10000_DKK\"><strong>Letfinans \u2013 laveste \u00c5OP 3,69% &#8211; l\u00e5nebel\u00f8b fra 10.000 DKK<\/strong><\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-1.png\" alt=\"LetFinans anmeldelse\" class=\"wp-image-29384\"><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/financer.dk\/selskab\/letfinans\/\" data-type=\"company_single\" data-id=\"8604\">Letfinans<\/a> er en del af Leadwise A\/S koncernen og er en af de mest erfarne l\u00e5neformidlere i den finansielle sektor i hele Norden.<\/p>\n\n\n\n<p>Deres mission er at g\u00f8re det lettere for dig som l\u00e5ntager at indhente l\u00e5netilbud og samtidig spare penge p\u00e5 dit l\u00e5n.<\/p>\n\n\n\n<p>Letfinans har en Trustpilot-score p\u00e5 4,5 ud af 5. Det er en trov\u00e6rdig virksomhed, der er under opsyn af Finanstilsynet.<\/p>\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.dk\/selskab\/letfinans\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-2.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-2-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.029<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5n op til 500.000 kr.<\/li><li >Indhent tilbud fra flere banker med \u00e9n ans\u00f8gning<\/li><li >Min. alder: 21 \u00e5r<\/li><li >Rente fra 3,49%<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">15000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">400000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">3.55<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">8.83<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/letfinans\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8604\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/letfinans\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/letfinans\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/letfinans\/#read-reviews\">5<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Ved samlet kreditbel\u00f8b p\u00e5 125.000 kr. over 10 \u00e5r, tilbagebetales via Betalingsservice. Mdl. ydelse: 1.300 &#8211; 2.552 kr. Variabel Debitorrente: 3,55 &#8211; 19,80 %. \u00c5OP: 4,28 &#8211; 24,34 %. Saml. kreditomk.: 31.008 &#8211; 181.252 kr. Saml. tilbagebet.: 156.008 &#8211; 306.252 kr. Stiftelsesomk.: 2.125 \u2013 7.488 kr. Mdl. gebyr: 33-40 kr. Fortrydelsesret: 14 dage. L\u00f8betid 12-144 mdr.<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"LendMe__laveste_OP_402___lnebelb_fra_10000_DKK\"><strong>LendMe \u2013 laveste \u00c5OP 4,02% &#8211; l\u00e5nebel\u00f8b fra 10.000 DKK<\/strong><\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2017\/10\/lendme-logo-4.png\" alt=\"LendMe anmeldelse\" class=\"wp-image-29584\"><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/financer.dk\/selskab\/lendme\/\" data-type=\"company_single\" data-id=\"4943\">LendMe<\/a> er en l\u00e5neformidler, der indhenter l\u00e5netilbud fra i alt 17 banker i hele Danmark.<\/p>\n\n\n\n<p>Denne fremgangsm\u00e5de vil derfor naturligt v\u00e6re med til at bidrage til, at du altid kan forvente at blive tilbudt nogle af de billigste l\u00e5n, der findes.<\/p>\n\n\n\n<p>LendMe har en Trustpilot-score p\u00e5 4,8 ud af 5 stjerner. Det er en trov\u00e6rdig virksomhed med mange tilfredse kunder.<\/p>\n\n\n\n<p>LendMe har en informativ hjemmeside med en god beskrivelse af deres service og hvordan de kan hj\u00e6lpe dig med at finde det rigtige l\u00e5n.<\/p>\n\n\n\n<p>Deres hjemmeside er nem at navigere rundt p\u00e5 og giver dig mulighed for at sammenligne forskellige l\u00e5nemuligheder.<\/p>\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.dk\/selskab\/lendme\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/10\/lendme-logo-4.png\" class=\"attachment-full size-full\" alt=\"LendMe anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>5.189<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Omfattende l\u00e5nesammenligning: Sammenligner tilbud fra op til 18 banker og l\u00e5ngivere<\/li><li >Fin l\u00e5neberegner: Find hurtigt det bedste l\u00e5n eller samlel\u00e5n via l\u00e5neberegneren p\u00e5 forsiden<\/li><li >Skr\u00e6ddersyede tilbud: Modtag skr\u00e6ddersyede l\u00e5netilbud baseret p\u00e5 dine oplysninger<\/li><li >Medans\u00f8ger mulighed: Ans\u00f8g med en medans\u00f8ger for potentielt bedre l\u00e5netilbud<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">400000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">3.60<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">20.95<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">12 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/lendme\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4943\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/lendme\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/lendme\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/lendme\/#read-reviews\">18<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Priseks.: Samlet kreditbel\u00f8b 130.000 kr. Var. deb. rente 3,60 &#8211; 20,95%. \u00c5OP 4,11 &#8211; 21,77%. Etb. omk. 3.900 kr. Samlet tilbagebetalingsbel\u00f8b 167.258 &#8211; 260.000 kr. L\u00f8betid 1-15 \u00e5r.<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Bankly__laveste_OP_722___lnebelb_fra_10000_DKK\"><strong>Bankly \u2013 laveste \u00c5OP 7,22% &#8211; l\u00e5nebel\u00f8b fra 10.000 DKK<\/strong><\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/06\/bankly-ok-min.png\" alt=\"\" class=\"wp-image-29222\"><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/financer.dk\/selskab\/bankly\/\" data-type=\"company_single\" data-id=\"28097\">Bankly<\/a> giver dig overblik og gennemsigtighed i et l\u00e5nemarked, som kan virke uoverskueligt.<\/p>\n\n\n\n<p>De har gjort hele l\u00e5neprocessen simpel og med hurtig udbetaling, s\u00e5 du som forbruger kan undg\u00e5 lange ventetider og slippe for at s\u00f8ge tilbud hos hver enkel bank.<\/p>\n\n\n\n<p>Bankly sparer i gennemsnit deres brugere for 7.500 kr., n\u00e5r de v\u00e6lger et l\u00e5n fra deres l\u00e5neudbydere.<\/p>\n\n\n\n<p>Der er tale om l\u00e5n uden sikkerhed, s\u00e5 du kan bruge pengene pr\u00e6cis, som du har lyst til.<\/p>\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.dk\/selskab\/bankly\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2022\/06\/bankly-ok-min.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>54<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Produkter: Forbrugsl\u00e5n, samlel\u00e5n og bill\u00e5n<\/li><li >Samarbejder med 10 forskellige l\u00e5neudbydere<\/li><li >Ans\u00f8g gratis p\u00e5 under 2 minutter<\/li><li >brugervenlige l\u00e5neberegner, hvor du har mulighed for at skrue op og ned for l\u00e5nebel\u00f8b og l\u00f8betid<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">500000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">7.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">7.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">12 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/bankly\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"28097\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/bankly\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/bankly\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/bankly\/#read-reviews\">0<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >M\u00e5nedlig ydelse: 3.127 kr. &#8211; l\u00e5nebel\u00f8b: 250.000 kr. &#8211; L\u00f8betid: 9 \u00e5r. &#8211; *Priseksempel: Samlet kreditbel\u00f8b 250.000 kr. &#8211; L\u00f8betid 108 mdr. &#8211; Variabel debitorrente 7% &#8211; \u00c5OP 7.24% &#8211; Etb. omk. 2.500 kr. &#8211; Samlet tilbagebetaling: 339.591 kr. &#8211; Samlede kreditomkostninger: 89.591 kr. &#8211; 14 dages fortrydelsesret<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Lniodk__laveste_OP_747___lnebelb_fra_10000_DKK\"><strong>L\u00e5nio.dk \u2013 laveste \u00c5OP 7,47% &#8211; l\u00e5nebel\u00f8b fra 10.000 DKK<\/strong><\/h3>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignright size-full\"><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2020\/06\/lanio-logo.png\" alt=\"L\u00e5nio anmeldelse\" class=\"wp-image-29531\"><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/financer.dk\/selskab\/laanio\/\" data-type=\"company_single\" data-id=\"19567\">L\u00e5nio<\/a> er en l\u00e5neformidler, som hj\u00e6lper dig med at f\u00e5 flere l\u00e5netilbud med kun \u00e9n ans\u00f8gning. Det g\u00f8r det nemt at finde det bedste l\u00e5netilbud uden s\u00e6rlig meget arbejde.<\/p>\n\n\n\n<p><strong>L\u00e5nio er alts\u00e5 ikke en traditionel l\u00e5ngiver.<\/strong><\/p>\n\n\n\n<p>De videreformidler blot din ans\u00f8gning til deres samarbejdspartnere, som derefter k\u00e6mper om at f\u00e5 dig som kunde.<\/p>\n\n\n\n<p>N\u00e5r du har modtaget l\u00e5netilbuddene, kan du nemt v\u00e6lge det bedste tilbud med hurtig udbetaling.<\/p>\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.dk\/selskab\/laanio\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2020\/06\/lanio-logo.png\" class=\"attachment-full size-full\" alt=\"L\u00e5nio anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>742<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Forbrugsl\u00e5n og samlel\u00e5n<\/li><li >L\u00e5nebel\u00f8b: 10.000-300.000 kr. (500.000 kr. ved samlel\u00e5n)<\/li><li >L\u00f8betid: 1-12 \u00e5r<\/li><li >Rente fra 3,49-29,95%<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">400000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">7.30<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">7.30<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/laanio\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"19567\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/laanio\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/laanio\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/laanio\/#read-reviews\">0<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: L\u00e5n p\u00e5 250.000 kr. i 12 \u00e5r Mdl. ydelse 2.606 kr. med var. deb. rente p\u00e5 7.3% og stiftelsesomk. p\u00e5 2.500 kr. \u00c5OP f\u00f8r skat p\u00e5 7.51% Samlede omk. 125.211 kr. Tilbagebetaling i alt 375.211 kr. 14 dages fortrydelsesret<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"kvikln_uden_rente\">kvikl\u00e5n uden rente?<\/h2>\n\n\n\n<p>Med det store udbud af l\u00e5neudbydere er det vigtigt, at du er opm\u00e6rksom p\u00e5 renten hos de forskellige l\u00e5neudbydere. <br><br>Findes der kvikl\u00e5n uden rente, og hvis ikke, skal du s\u00e5 <a href=\"https:\/\/financer.dk\/privatoekonomi\/artikel\/variabel-eller-fast-rente\/\"> v\u00e6lge variabel eller fast rente<\/a> p\u00e5 dit kvikl\u00e5n i 2024?<\/p>\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.dk\/selskab\/kreditnu\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/10\/kreditnu-logo.png\" class=\"attachment-full size-full\" alt=\"KreditNU anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.595<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Gratis ans\u00f8gning<\/li><li >L\u00e5netype: Kortsigtet kreditaftale<\/li><li >L\u00e5nebel\u00f8b: 4.000-25.000 kr.<\/li><li >Du skal v\u00e6re fyldt 23 \u00e5r for at kunne ans\u00f8ge<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">25000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">23<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"13469\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: 10.000 kr. over 24 mdr. \u00c5rlig debitorente: 0%. \u00c5OP: 24,87%. Mdl. ydelse: 520,83 kr. Samlet tilbagebetaling: 12.500 kr. Samlede kreditomk.: 2.500 kr. Ans\u00f8ger skal v\u00e6re mellem 23-70 \u00e5r samt opfylde kriterierne for samlet kreditv\u00e6rdighedsvurdering og m\u00e5 ikke v\u00e6re registreret i RKI eller Debitor Registret.<\/div><\/div><\/div><\/div>\n\n\n<p>I \u00f8jeblikket er vi hos Financer.dk kun bekendt med 1 l\u00e5neudbyder, der tilbyder kvikl\u00e5n uden rente. <strong>KreditNU er en l\u00e5neudbyder, hvor du ikke betaler rente p\u00e5 dit l\u00e5n, i stedet beregnes et etableringsgebyr p\u00e5 25% af l\u00e5nebel\u00f8bet.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Kvikln_med_variabel_eller_fast_rente\">Kvikl\u00e5n med variabel eller fast rente?<\/h3>\n\n\n\n<p>Du skal du faktisk lede l\u00e6nge for at finde nogle, der \u00f8nsker at tilbyde dig en fast rente p\u00e5 dit kvikl\u00e5n, og endnu l\u00e6ngere, hvis du \u00f8nsker et kvikl\u00e5n uden rente.<\/p>\n\n\n\n<p>De findes dog nogle, og herunder har vi samlet en liste med alle muligehder i 2024<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Selskab<\/th><th>Rente<\/th><th>L\u00e5nebel\u00f8b<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a><\/td><td>0%<\/td><td>4.000 kr. &#8211; 25.000 kr.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a><\/td><td>21,96%<\/td><td>3.000 kr. &#8211; 20.000 kr.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\">Paymark Finans<\/a><\/td><td>16,90%<\/td><td>10.000 kr. &#8211; 150.000 kr. <\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">NordCredit<\/a><\/td><td>24,97%<\/td><td>1.000 kr. &#8211; 20.000 kr.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/foeniks-laan\/\">F\u00f8niks Privatl\u00e5n<\/a><\/td><td>16,90%<\/td><td>10.000 kr. &#8211; 150.000 kr. <\/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=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\n\n\n<p>Det er dog vigtigt at huske p\u00e5, at kvikl\u00e5n generelt har noget h\u00f8jere renter end andre l\u00e5netyper.<\/p>\n\n\n\n<p>Derfor er det ogs\u00e5 vigtigt, at du ikke ser dig blind p\u00e5 renten, og det er vigtigt, at du unders\u00f8ger dine muligheder og sammenligner forskellige l\u00e5neudbydere for at finde det bedste tilbud til dig.<\/p>\n\n\n\n<p><strong>\u00c5OP er fortsat den vigtigste faktor<\/strong>, n\u00e5r du skal finde de reelle omkostninger p\u00e5 dit l\u00e5n, men \u00f8nsker du en fast rente, s\u00e5 er her 3 muligheder, du kan overveje.<\/p>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>S\u00e5dan sparer du <span class=\"compare-amount\">22.323,00 kr. <\/span> p\u00e5 dit l\u00e5n<\/h3>\n\t\t\t\t<p>Prisforskellen for et 10.000,00 kr. l\u00e5n i 90 dage er 22.323,00 kr..<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.dk\/laan-penge\/resultat\/?query=1&filter_non_affiliate=1&param_amount=10000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Find ud af hvordan <\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Kvikln_med_straks_udbetaling\">Kvikl\u00e5n med straks udbetaling<\/h2>\n\n\n\n<p>Hvis du st\u00e5r og skal bruge penge lige med det samme, skal du finde et kvikl\u00e5n med straks udbetaling.<\/p>\n\n\n\n<p>Heldigvis, er et af kendetegnene ved kvikl\u00e5n, at de udbetales hurtigt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Tidslinje_for_kvikln_med_straks_udbetaling\">Tidslinje for kvikl\u00e5n med straks udbetaling<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Ans\u00f8gningstid:<\/strong> Det tager normalt 3-5 minutter at indtaste alle n\u00f8dvendige oplysninger i din l\u00e5neans\u00f8gning.<\/p>\n<\/li><li><p><strong>Svartid:<\/strong> Du kan forvente svar efter 1-5 minutter, alt efter hvor du ans\u00f8ger henne.<\/p>\n<\/li><li><p><strong>Udbetalingstid:<\/strong> Du kan forvente at pengene overf\u00f8res til din konto f\u00e5 minutter efter du er godkendt til l\u00e5net.<\/p>\n<\/li><li><p><strong>Modtagelsestidspunkt:<\/strong> Afh\u00e6ngig af hvilken bank du har, kan det tage alt fra 1-60 minutter f\u00f8r pengene modtages p\u00e5 din konto.<\/p>\n<\/li><li><p><strong>Samlet tid: <\/strong>L\u00e6gger vi disse tidsperioder sammen, kan du forvente at have pengene p\u00e5 din konto 10-15 minutter efter du begynder din l\u00e5neans\u00f8gning. Afh\u00e6ngig af din bank, kan det tage en time ekstra.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Glder_det_ogs_i_weekenden\">G\u00e6lder det ogs\u00e5 i weekenden?<\/h3>\n\n\n\n<p>Mange udbydere af kvikl\u00e5n overf\u00f8rer penge 24 timer i d\u00f8gnet, s\u00e5 det spiller ingen rolle, om du ans\u00f8ger i weekenden eller ej.<\/p>\n\n\n\n<p>Du kan dog ikke altid f\u00e5 fat i kundeservice i weekenden.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.dk\/laan-penge\/udbetaling-i-weekenden\/\" data-type=\"page\" data-id=\"1882\">L\u00e6s mere om l\u00e5n i weekenden.<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>4 l\u00e5n med udbetaling i weekenden<\/h3><ul>\n<li><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">Nordcredit<\/a> &#8211; L\u00e5nebel\u00f8b op til 25.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a> &#8211; L\u00e5nebel\u00f8b op til 20.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a> &#8211; L\u00e5nebel\u00f8b op til 25.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\">Ferratum<\/a> &#8211; L\u00e5nebel\u00f8b op til 50.000 kr.<\/li>\n<\/ul><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.dk\/laan-penge\/\"   class=\"button is-normal is-primary is-rounded is-large\">Se alle l\u00e5n <\/a>\n\t<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Hvordan_kan_det_g_s_hurtigt\">Hvordan kan det g\u00e5 s\u00e5 hurtigt?<\/h3>\n\n\n\n<p>10 minutter fra ans\u00f8gningstidspunktet kan virke som lidt for godt til at v\u00e6re sandt.<\/p>\n\n\n\n<p>Selvom alle l\u00e5neudbyderne foretager en kreditvurdering af deres kunder, er den ofte automatiseret.<\/p>\n\n\n\n<p>Vurderingen er baseret p\u00e5 de oplysninger du indtaster i din l\u00e5neans\u00f8gning, et RKI-tjek og de oplysninger l\u00e5neudbyderen indhenter fra Skat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvad_koster_et_kvikln\">Hvad koster et kvikl\u00e5n?<\/h2>\n\n\n\n<p>Stort set alle kvikl\u00e5n har i dag en \u00c5OP mellem 10 &#8211; 25%, s\u00e5 det er den \u00c5OP, du kan forvente. Hvad den specifikke rente er, spiller ikke lige s\u00e5 stor en rolle som \u00c5OP.<\/p>\n\n\n\n<p>\u00c5OP st\u00e5r for \u00e5rlige omkostninger i procent og tager h\u00f8jde for alle de gebyrer, der er ved et l\u00e5n.<\/p>\n\n\n\n<p>Mange l\u00e5neudbydere skilter med en lav m\u00e5nedlig eller \u00e5rlig rente, men opkr\u00e6ver i stedet et h\u00f8jt stiftelsesgebyr, s\u00e5 det i sidste ende bliver samme pris.<\/p>\n\n\n\n<p>Er du i tvivl om hvad dit kvikl\u00e5n kommer til at koste dig, s\u00e5 kan du altid pr\u00f8ve vores kvikl\u00e5n beregner. <\/p>\n\n\n\n<p>Her kan du helt enkelt beregne dit l\u00e5n og dine l\u00e5neomkostnigner med vores simple l\u00e5neberegner<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"https:\/\/financer.dk\/beregn\/laaneomkostninger\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Pr\u00f8v l\u00e5neberegner<\/a><\/div>\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.dk\/selskab\/ferratum\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>9.497<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kredit, kvikl\u00e5n<\/li><li >Ferratum har en h\u00f8j score p\u00e5 Trustpilot p\u00e5 4,4\/5 stjerner<\/li><li >Ferratum tilbyder l\u00e5n uden sikkerhed<\/li><li >Tilbyder straksudbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">22<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"216\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\">28<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >F\u00f8lgende priseksempel er baseret p\u00e5 antagelsen om, at man som ny kreditkunde udtr\u00e6kker bel\u00f8bet straks og tilbagebetaler over 12 m\u00e5neder.   L\u00e5nebel\u00f8b: 50.000 kr.\u00a0  Debitorrente: 22,52% &#8211; \u00c5OP: 24,99%  Samlede kreditomkostninger: 6.098 kr.\u00a0  Samlet tilbagebetaling: 56.098 kr.\u00a0  Minimumsbetaling hver m\u00e5ned: 4.674,86 kr.\u00a0     * Minimum m\u00e5nedlig betaling: 3.18% af den udst\u00e5ende kredit eller min. 150 kroner afh\u00e6ngigt af, hvad der er st\u00f8rst. Minimum tilbagebetaling: 9 m\u00e5neder. Maksimum tilbagebetaling: 199 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"kvikln_uden_kredivurdering\">kvikl\u00e5n uden kredivurdering<\/h2>\n\n\n\n<p><strong>kvikl\u00e5n uden kreditvurdering eller kvikl\u00e5n trods RKI er ikke en mulighed i Danmark, men det er muligt at finde l\u00e5n med hurtige svar og fleksible betingelser.<\/strong><\/p>\n\n\n\n<p>Kvikl\u00e5n uden kreditvurdering lyder som en attraktiv mulighed for mange, is\u00e6r hvis man tidligere har oplevet udfordringer med at blive godkendt til et l\u00e5n.<\/p>\n\n\n\n<p>I Danmark er det dog en misforst\u00e5else at tro, at man kan f\u00e5 et kvikl\u00e5n uden nogen form for kreditvurdering.<\/p>\n\n\n\n<p>If\u00f8lge den danske lovgivning er l\u00e5ngivere forpligtet til at foretage en grundig vurdering af l\u00e5ntagers \u00f8konomiske situation, f\u00f8r de godkender et l\u00e5n.<\/p>\n\n\n\n<p>Et af de f\u00f8rste steder de kigger er i RKI, st\u00e5r du her kan du v\u00e6re n\u00e6sten 100% sikker p\u00e5 at din ans\u00f8gning bliver afvist. <\/p>\n\n\n\n<p>Derfor kan vi ogs\u00e5 med sikkerhed sige, at kvikl\u00e5n trods RKI ikke er en mulighed i 2024<\/p>\n\n\n\n<p>N\u00e5r en l\u00e5ngiver foretager en vurdering, s\u00e5 sikrer ogs\u00e5, at l\u00e5ntageren har mulighed for at tilbagebetale l\u00e5net og beskytter samtidig l\u00e5ngiveren mod tab.<\/p>\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.dk\/selskab\/cashper\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" class=\"attachment-full size-full\" alt=\"Cashper anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.145<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kortsigtet l\u00e5n med kautionist<\/li><li >Cashper er en del af det maltesiske firma Novum Bank<\/li><li >Du skal kunne dokumentere, at du har en stabil \u00f8konomi<\/li><li >Nem ans\u00f8gningsprocess<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">3000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">20000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5ned<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">6 m\u00e5neder<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8965\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel: Rentesatsen er fast. For et l\u00e5n p\u00e5 3000 kr med en l\u00f8betid p\u00e5 6 m\u00e5neder er den nominelle rente 22.44%. Den samlede omkostninger i procent er 24.90%. Det samlede tilbagebetalingsbel\u00f8b: 3199,38 kr. M\u00e5nedlig betaling: 533,23 kr pr. m\u00e5ned i 6 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n\n<p>N\u00e5r l\u00e5ngivere foretager en kreditvurdering, ser de p\u00e5 flere faktorer som indkomst, eksisterende g\u00e6ld og historik med betalinger.<\/p>\n\n\n\n<p>Selvom nogle udbydere af kvikl\u00e5n reklamerer med hurtige og nemme l\u00e5neprocesser, betyder det ikke, at de springer kreditvurderingen over.<\/p>\n\n\n\n<p>I stedet kan processen v\u00e6re automatiseret og meget hurtig, hvilket g\u00f8r det muligt at f\u00e5 svar p\u00e5 sin l\u00e5neans\u00f8gning inden for f\u00e5 minutter.<\/p>\n\n\n\n<p>Det er vigtigt at v\u00e6re opm\u00e6rksom p\u00e5, at kvikl\u00e5n ofte kommer med h\u00f8jere renter og gebyrer, netop fordi de er let tilg\u00e6ngelige og kr\u00e6ver mindre dokumentation end traditionelle bankl\u00e5n.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Overvej_din_konomiske_situation_fr_du_lner\">Overvej din \u00f8konomiske situation f\u00f8r du l\u00e5ner<\/h3><p>F\u00f8r du ans\u00f8ger om et kvikl\u00e5n b\u00f8r du altid overveje sin \u00f8konomiske situation n\u00f8je, og sikre dig, at du kan overholde tilbagebetalingsbetingelserne. Det kan blive en dyr forn\u00f8jelse, hvis ikke du kan betale tilbage og der er en risiko for, at du ender i RKI.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kvikln__hurtigt_og_nemt_men_pas_p\">Kvikl\u00e5n \u2013 hurtigt og nemt, men pas p\u00e5!<\/h2>\n\n\n\n<p>Et kvikl\u00e5n er nemt og hurtigt at f\u00e5, men pas p\u00e5 \u2013 det kan blive dyrt, hvis du ikke kan overholde dine afdrag.<\/p>\n\n\n\n<p>For at give dig et godt overblik over markedet, har vi samlet en oversigt over forskellige l\u00e5neselskaber. <strong>Her kan du nemt sammenligne rente, gebyrer, \u00c5OP, brugeranmeldelser og l\u00e5netilbud.<\/strong><\/p>\n\n\n\n<p>Brugeranmeldelser kan v\u00e6re nyttige, men husk at tage dem med et gran salt og overvej b\u00e5de antallet og trov\u00e6rdigheden af anmeldelserne.<\/p>\n\n\n\n<p>Brug vores oversigt til at finde de l\u00e5neudbydere, der passer bedst til dine behov, og kontakt dem for at f\u00e5 et tilbud. <\/p>\n\n\n\n<p>Dette vil hj\u00e6lpe dig med at tr\u00e6ffe en informeret beslutning om dit l\u00e5n.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kvikln_5000___sm_belb_til_hverdagsbrug\">Kvikl\u00e5n 5000 &#8211; sm\u00e5 bel\u00f8b til hverdagsbrug<\/h2>\n\n\n\n<p>Et kvikl\u00e5n p\u00e5 5000 kr. er ideelt til hurtigt at d\u00e6kke mindre, uforudsete udgifter i hverdagen. <\/p>\n\n\n\n<p>Dette bel\u00f8b kan hj\u00e6lpe med alt fra reparationer og regninger til indk\u00f8b og mindre projekter. <\/p>\n\n\n\n<p>Kvikl\u00e5n er kendt for deres hurtige godkendelsesproces og nemme ans\u00f8gning, hvilket betyder, at du hurtigt kan f\u00e5 pengene ind p\u00e5 kontoen. <\/p>\n\n\n\n<p><strong>Her er 8 kvikl\u00e5n, hvor du kan l\u00e5ne 5.000 kr. <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Selskab<\/th><th>L\u00e5nebel\u00f8b<\/th><th>Rente<\/th><th>L\u00f8betid<\/th><th>Alderskrav<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a><\/td><td>4.000 kr. &#8211; 25.000 kr. <\/td><td>0%<\/td><td>12 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a><\/td><td>3.000 kr. &#8211; 20.000 kr. <\/td><td>21,96%<\/td><td>1-6 mdr.<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\">Ferratum<\/a><\/td><td>2.500 kr. &#8211; 50.000 kr. <\/td><td>22,52%<\/td><td>1-15 \u00e5r<\/td><td>22 \u00e5r<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">NordCredit<\/a><\/td><td>1.000 kr. &#8211; 25.000 kr. <\/td><td>24,97%<\/td><td>12 mdr. <\/td><td>20 \u00e5r<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/digifinans\/\">Digifinans<\/a><\/td><td>5.000 kr. &#8211; 400.000 kr. <\/td><td>Fra 7%<\/td><td>1-15 \u00e5r<\/td><td>20 \u00e5r<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/bank-norwegian\/\">Bank Norwegian<\/a><\/td><td>5.000 kr. &#8211; 400.000 kr. <\/td><td>8,49% &#8211; 20,99%<\/td><td>1-15 \u00e5r <\/td><td>23 \u00e5r<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/clara-finans\/\">ClaraFinans<\/a><\/td><td>2.000 kr. &#8211; 500.000 kr. <\/td><td>2,95% &#8211; 24,50%<\/td><td>1-15 \u00e5r<\/td><td>18-21 \u00e5r<\/td><\/tr><tr><td><a href=\"https:\/\/financer.dk\/selskab\/sambla\/\">Sambla<\/a><\/td><td>5.000 kr. &#8211; 400.000 kr. <\/td><td>Fra 7%<\/td><td>1-15 \u00e5r<\/td><td>18<\/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-flex-start\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Alle kvikl\u00e5n<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Omkostninger_og_begreber_for_kvikln_i_fn_date_formatY\">Omkostninger og begreber for kvikl\u00e5n i 2024<\/h2>\n\n\n\n<p>Der kan v\u00e6re h\u00f8je omkostninger forbundet med at optage et kvikl\u00e5n, og ofte er omkostningerne og gebyrerne h\u00f8jere, n\u00e5r du v\u00e6lger en anden l\u00e5neudbyder end banken.<\/p>\n\n\n\n<p>Det er dog muligt at finde billige kvikl\u00e5n, men det kr\u00e6ver, at du ved, hvad du skal v\u00e6re opm\u00e6rksom p\u00e5.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>\u00c5OP: <\/strong> <a href=\"https:\/\/financer.dk\/privatoekonomi\/artikel\/aaop\/\">\u00c5OP<\/a> st\u00e5r for \u00e5rlige omkostninger i procent og viser dig, hvad det koster at have et l\u00e5n, inklusive renter og alle omkostninger.<\/p>\n<p>\u00c5OP giver dig dermed mulighed for hurtigt at gennemskue, hvilket l\u00e5n eller kredit der er det billigste, n\u00e5r du sammenligner l\u00e5netilbud fra bankerne eller l\u00e5neudbyderne.<\/p>\n<\/li><li><p><strong>Rente:<\/strong> Rente er den pris, du betaler for at <a href=\"https:\/\/financer.dk\/laan-penge\/\">l\u00e5ne penge<\/a>. Rentesatsen er en procentdel af det bel\u00f8b, du l\u00e5ner, og kan variere afh\u00e6ngigt af l\u00e5neudbyderen og typen af l\u00e5n. <\/p>\n<p>Hvis du optager et l\u00e5n med h\u00f8j rente, vil det betyde, at du skal betale mere tilbage end det bel\u00f8b, du oprindeligt l\u00e5nte.<\/p>\n<p>Det er derfor vigtigt at unders\u00f8ge dine muligheder og sammenligne forskellige l\u00e5neudbydere for at finde det bedste kvikl\u00e5n til dig. <\/p>\n<\/li><li><p><strong>L\u00f8betid:<\/strong> L\u00e5betid er den periode, du har valgt at betale dit l\u00e5n tilbage p\u00e5. <\/p>\n<p>L\u00f8betiden kan variere afh\u00e6ngigt af l\u00e5neudbyderen og typen af l\u00e5n, men de fleste kvikl\u00e5n har en l\u00f8betid p\u00e5 mellem 1-15 \u00e5r. <\/p>\n<p>Det er vigtigt at v\u00e6lge en l\u00f8betid, der passer til din \u00f8konomi og dine behov, og det kan derfor v\u00e6re en god ide at lave et <a href=\"https:\/\/financer.dk\/privatoekonomi\/artikel\/budget\/\">budget<\/a>, inden du l\u00e5ner penge. <\/p>\n<p>Hvis du v\u00e6lger en kort l\u00f8betid, vil det betyde, at du skal betale mere tilbage hver m\u00e5ned, men du vil samtidig blive g\u00e6ldsfri hurtigere.<\/p>\n<p>Hvis du v\u00e6lger en l\u00e6ngere l\u00f8betid, vil det betyde, at du skal betale mindre tilbage hver m\u00e5ned, men du vil samtidig betale mere i renter over tid.<\/p>\n<\/li><li><p><strong>M\u00e5nedlig ydelse:<\/strong> Den m\u00e5nedlig ydelse p\u00e5 et kvikl\u00e5n er det bel\u00f8b, du skal betale hver m\u00e5ned i den givne periode.<\/p>\n<p>Ved det helt korte l\u00e5n, s\u00e5kaldte kvikl\u00e5n, vil ydelsen variere afh\u00e6ngig af hvor lang en l\u00f8betid du har valgt.<\/p>\n<p>Det er vigtigt, at du overholder dine afdrag, alts\u00e5 din m\u00e5nedlige ydelse. G\u00f8r du ikke det, kan der komme flere omkostninger p\u00e5 dit l\u00e5n, og det kan blive en dyr forn\u00f8jelse, selv om du kun har l\u00e5ne et lille bel\u00f8b.<\/p>\n<\/li><li><p><strong>Samlet tilbagebetaling:<\/strong> Den samlede tilbagebetaling p\u00e5 et kvikl\u00e5n er det samlede bel\u00f8b, du skal betale tilbage, hvis du ellers f\u00f8lger afdragene og betaler til tiden.<\/p>\n<p>Det samlede tilbagebetalingsbel\u00f8b vil altid fremg\u00e5, n\u00e5r du ans\u00f8ger om et kvikl\u00e5n, og det viser det samlede bel\u00f8b, du skal betale tilbage, inklusive l\u00e5nebel\u00f8b, renter og gebyrer.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Andre_gebyrer\">Andre gebyrer<\/h3><ul>\n<li><strong>Kvikl\u00e5n renter: <\/strong>Ud over \u00c5OP, s\u00e5 b\u00f8r du ogs\u00e5 holde \u00f8je med renten. Det er altid en god ide at sammenligne l\u00e5n, for at v\u00e6re sikker p\u00e5 at du f\u00e5r de bedste renter p\u00e5 dit kvikl\u00e5n.<\/li>\n<li><strong>Rykkergebyrer: <\/strong>Hvis du modtager en rykker, koster det typisk 100,- kr.<\/li>\n<li><strong>Indfrielse f\u00f8r tid: <\/strong>Nogle l\u00e5neudbydere opkr\u00e6ver et gebyr for ekstraordin\u00e6r <a href=\"https:\/\/financer.dk\/wiki\/indfri-forbrugslaan\/\">indfrielse af l\u00e5n.<\/a><\/li>\n<li><strong>\u00c6ndring af l\u00e5neaftalen: <\/strong>Vil du lave om p\u00e5 l\u00e5neaftalen, opkr\u00e6ves der i f\u00e5 tilf\u00e6lde et gebyr.<\/li>\n<\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Regneeksempel_p_kvikln_\">Regneeksempel p\u00e5 kvikl\u00e5n <\/h3>\n\n\n\n<p>Prisen p\u00e5 et l\u00e5n kan variere en del, og det kommer i sidste ende an p\u00e5, hvor mange penge du \u00f8nsker at l\u00e5ne.<\/p>\n\n\n\n<p>Det kan derfor ogs\u00e5 v\u00e6re sv\u00e6rt at give et endeligt svar p\u00e5, hvad et l\u00e5n vil koste dig. For at give dig et indblik i priserne, har vi herunder opsat et vejledende eksempel.<\/p>\n\n\n\n<p>Beregningen tager udgangspunkt i et l\u00e5n p\u00e5 15.000 kr. med en l\u00f8betid p\u00e5 et \u00e5r. L\u00e5net har en variabel rente p\u00e5 7,22% og en \u00c5OP p\u00e5 10,23%.<\/p>\n\n\n\n<p>Hver m\u00e5ned skal der tilbagebetales 2.205 kr., hvilket ogs\u00e5 kaldes den m\u00e5nedlige ydelse.<\/p>\n\n\n\n<p>Det samlede tilbagebetalingsbel\u00f8b ender med at v\u00e6re p\u00e5 26.468 kr., og kreditomkostningerne udg\u00f8r derfor 1.468 kr.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Information<\/th><th class=\"has-text-align-center\" data-align=\"center\">Beskrivelse<\/th><\/tr><\/thead><tbody><tr><td><strong>L\u00e5nebel\u00f8b<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">25.000 DKK<\/td><\/tr><tr><td><strong>L\u00f8betid<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1 \u00e5r (12 m\u00e5neder)<\/td><\/tr><tr><td><strong>Rente (\u00e5rlig variabel)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">7,22%<\/td><\/tr><tr><td><strong>M\u00e5nedlig ydelse<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">2.205 DKK<\/td><\/tr><tr><td><strong>\u00c5OP<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10,23%<\/td><\/tr><tr><td><strong>Samlede kreditomkostninger<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.468 DKK<\/td><\/tr><tr><td><strong>Samlet tilbagebetaling<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">26.468 DKK<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Repr\u00e6sentativt eksempel p\u00e5 et kvikl\u00e5n p\u00e5 25.000 DKK. &#8211; Tal fra KreditNU<\/figcaption><\/figure>\n\n\n\n<p>Dette er blot et eksempel p\u00e5, hvordan et kvikl\u00e5n kan se ud, og alts\u00e5 hvor meget du skal betale for at l\u00e5ne pengene.<\/p>\n\n\n\n<p>P\u00e5 Financer.dk kan du sammenligne priser og p\u00e5 den m\u00e5de sikre, at du finder det billigste l\u00e5n med den bedste kvikl\u00e5nsrente og hurtig udbetaling i 2024.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvorfor_er_kvikln_dyrere_end_almindelige_ln\">Hvorfor er kvikl\u00e5n dyrere end almindelige l\u00e5n?<\/h2>\n\n\n\n<p>Mange bliver fristet af kvikl\u00e5nets hurtig udbetaling og muligheden for at f\u00e5 kontanter p\u00e5 h\u00e5nden \u00f8jeblikkeligt.<\/p>\n\n\n\n<p>Sandheden er dog, at kvikl\u00e5n ofte er dyrere end almindelige l\u00e5n. Dette beh\u00f8ver dog ikke v\u00e6re en hindring, s\u00e5 l\u00e6nge du har midlerne til at tilbagebetale det.<\/p>\n\n\n\n<p><strong>Men hvorfor er et kvikl\u00e5n egentlig dyrere?<\/strong><\/p>\n\n\n\n<p>Normalt beregnes l\u00e5neomkostninger med \u00c5OP, som st\u00e5r for &#8220;\u00e5rlige omkostninger i procent&#8221;. Det er ikke ualmindeligt at se \u00c5OP-tallene for kvikl\u00e5n p\u00e5 25-35%, som er det maksimale for et kvikl\u00e5n i Danmark.<\/p>\n\n\n\n<p>Dette kan virke dyrt, is\u00e6r n\u00e5r man sammenligner det med l\u00e5n i en traditionel bank. Det er dog vigtigt at bem\u00e6rke, at disse to typer l\u00e5n er vanskelige at sammenligne, da banken ofte allerede kender din \u00f8konomi.<\/p>\n\n\n\n<p>Der er omkostninger forbundet med at oprette et l\u00e5n, og n\u00e5r l\u00e5nebel\u00f8bet er lavt, og l\u00e5net har en kort l\u00f8betid p\u00e5 f.eks. 1 \u00e5r, s\u00e5 vil en \u00c5OP altid v\u00e6re h\u00f8j.<\/p>\n\n\n\n<p><strong>Generelt kan man sige, at jo st\u00f8rre l\u00e5nebel\u00f8bet er, desto billigere bliver det.<\/strong><\/p>\n\n\n\n<p>Ved et kvikl\u00e5n betaler man en smule ekstra for at f\u00e5 pengene hurtigt ind p\u00e5 sin konto, samtidig med at der ikke er nogen, der stiller sp\u00f8rgsm\u00e5l ved, hvad pengene skal bruges til.<\/p>\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.dk\/selskab\/paymark-finans\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/06\/paymarkfinans-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/06\/paymarkfinans-logo.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/06\/paymarkfinans-logo-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>2.064<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5n 10.000-150.000 kr.<\/li><li >\u00c5OP p\u00e5 11,94-24,87%<\/li><li >Min. alder: 21 \u00e5r<\/li><li >Hurtig udbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">150000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">16.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">16.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">3 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">9 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">20<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"7949\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.1\">4.1<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: 20.000 kr. over 84 mdr. Variabel \u00e5rlig debitorrente: 9,90%-19,56%. \u00c5OP: 12,66-22,92%. Mdl. ydelse: 353-454 kr. Samlet tilbagebetaling: 29.629-38.134 kr. Samlede kreditomk.: 9.629-18.134 kr. Beregning er inkl. oprettelsesgebyr: 1.600 kr. og baseret p\u00e5 betaling via HomeBanking. Ans\u00f8ger skal v\u00e6re min. 21 \u00e5r, opfylde kriterier for samlet kreditvurdering og m\u00e5 ikke v\u00e6re registreret i RKI.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kvikln_i_en_tid_med_inflation\">Kvikl\u00e5n i en tid med inflation<\/h2>\n\n\n\n<p>I en tid med inflation og stigende priser kan det v\u00e6re sv\u00e6rt at f\u00e5 \u00f8konomien til at h\u00e6nge sammen. <\/p>\n\n\n\n<p>Nogle fors\u00f8ger at tjene flere penge, mens andre sk\u00e6rer ned p\u00e5 udgifterne. <\/p>\n\n\n\n<p>De bedste kvikl\u00e5n tilbyder en hurtig l\u00f8sning, der kan give \u00f8konomisk frihed og muligheder, men det er vigtigt at v\u00e6re opm\u00e6rksom p\u00e5 omkostningerne.<\/p>\n\n\n\n<p>Kvikl\u00e5n kan v\u00e6re den hurtige vej til at realisere dr\u00f8mme som en l\u00e6nge ventet ferie, et nyt k\u00f8kken eller m\u00e5ske endda en ny bil, da de ofte har hurtig udbetaling. <\/p>\n\n\n\n<p>Kvikl\u00e5n med straksudbetaling giver dig frihed til at g\u00f8re pr\u00e6cis det, du \u00f8nsker, og kan lette den \u00f8konomiske byrde i en hektisk hverdag.<\/p>\n\n\n\n<p><strong>Det er dog vigtigt at huske, at et kvikl\u00e5n skal betales tilbage, ligesom alle andre l\u00e5n.<\/strong> <\/p>\n\n\n\n<p>Inden du beslutter dig for at tage et kvikl\u00e5n, er det afg\u00f8rende at evaluere din \u00f8konomiske situation grundigt. <\/p>\n\n\n\n<p>P\u00e5 den m\u00e5de kan de billigste kvikl\u00e5n v\u00e6re en nyttig ressource til at opfylde dine dr\u00f8mme og \u00f8nsker uden at blive en \u00f8konomisk byrde.<\/p>\n\n\n\n<p><strong>Her er 3 kvikl\u00e5n med de bedste anmeldelser.<\/strong><\/p>\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.dk\/selskab\/cashper\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" class=\"attachment-full size-full\" alt=\"Cashper anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.145<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kortsigtet l\u00e5n med kautionist<\/li><li >Cashper er en del af det maltesiske firma Novum Bank<\/li><li >Du skal kunne dokumentere, at du har en stabil \u00f8konomi<\/li><li >Nem ans\u00f8gningsprocess<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">3000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">20000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5ned<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">6 m\u00e5neder<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8965\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel: Rentesatsen er fast. For et l\u00e5n p\u00e5 3000 kr med en l\u00f8betid p\u00e5 6 m\u00e5neder er den nominelle rente 22.44%. Den samlede omkostninger i procent er 24.90%. Det samlede tilbagebetalingsbel\u00f8b: 3199,38 kr. M\u00e5nedlig betaling: 533,23 kr pr. m\u00e5ned i 6 m\u00e5neder.<\/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.dk\/selskab\/kreditnu\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/10\/kreditnu-logo.png\" class=\"attachment-full size-full\" alt=\"KreditNU anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.595<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Gratis ans\u00f8gning<\/li><li >L\u00e5netype: Kortsigtet kreditaftale<\/li><li >L\u00e5nebel\u00f8b: 4.000-25.000 kr.<\/li><li >Du skal v\u00e6re fyldt 23 \u00e5r for at kunne ans\u00f8ge<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">25000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">23<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"13469\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: 10.000 kr. over 24 mdr. \u00c5rlig debitorente: 0%. \u00c5OP: 24,87%. Mdl. ydelse: 520,83 kr. Samlet tilbagebetaling: 12.500 kr. Samlede kreditomk.: 2.500 kr. Ans\u00f8ger skal v\u00e6re mellem 23-70 \u00e5r samt opfylde kriterierne for samlet kreditv\u00e6rdighedsvurdering og m\u00e5 ikke v\u00e6re registreret i RKI eller Debitor Registret.<\/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.dk\/selskab\/ferratum\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>9.497<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kredit, kvikl\u00e5n<\/li><li >Ferratum har en h\u00f8j score p\u00e5 Trustpilot p\u00e5 4,4\/5 stjerner<\/li><li >Ferratum tilbyder l\u00e5n uden sikkerhed<\/li><li >Tilbyder straksudbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">22<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"216\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\">28<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >F\u00f8lgende priseksempel er baseret p\u00e5 antagelsen om, at man som ny kreditkunde udtr\u00e6kker bel\u00f8bet straks og tilbagebetaler over 12 m\u00e5neder.   L\u00e5nebel\u00f8b: 50.000 kr.\u00a0  Debitorrente: 22,52% &#8211; \u00c5OP: 24,99%  Samlede kreditomkostninger: 6.098 kr.\u00a0  Samlet tilbagebetaling: 56.098 kr.\u00a0  Minimumsbetaling hver m\u00e5ned: 4.674,86 kr.\u00a0     * Minimum m\u00e5nedlig betaling: 3.18% af den udst\u00e5ende kredit eller min. 150 kroner afh\u00e6ngigt af, hvad der er st\u00f8rst. Minimum tilbagebetaling: 9 m\u00e5neder. Maksimum tilbagebetaling: 199 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Prv_Financerdk_lneberegner\">Pr\u00f8v Financer.dk l\u00e5neberegner<\/h2>\n\n\n\n<p>Hvis du leder efter det perfekte <strong>kvik l\u00e5n<\/strong>, har vi hos Financer.dk en fantastisk l\u00e5neberegner, der kan hj\u00e6lpe dig med at sammenligne forskellige l\u00e5nemuligheder.<\/p>\n\n\n\n<p>Det handler ikke kun om hurtig udbetaling. Med vores l\u00e5neberegner f\u00e5r du en omfattende oversigt over l\u00e5nets totale omkostninger samt en detaljeret tilbagebetalingsplan.<\/p>\n\n\n\n<p>Dette giver dig et solidt grundlag for at v\u00e6lge det mest \u00f8konomisk fordelagtige kvikl\u00e5n p\u00e5 markedet i 2024.<\/p>\n\n\n\n<p><strong>Ved blot at indtaste oplysningerne om det \u00f8nskede l\u00e5n &#8211; l\u00e5nebel\u00f8b, l\u00e5neperiode, rentesats i procent og eventuelle gebyrer og etableringsomkostninger<\/strong> &#8211; vil vores l\u00e5neberegner automatisk beregne l\u00e5nets, samlede tilbagebetaling, m\u00e5nedlig ydelse og en oversigt over m\u00e5nedlige tilbagebetalinger.<\/p>\n\n\n\n<p>Med disse n\u00f8jagtige oplysninger ved h\u00e5nden kan du tr\u00e6ffe en informeret beslutning om, hvilket l\u00e5n der passer bedst til dine behov.<\/p>\n\n\n\n<p>Vores l\u00e5neberegner er din p\u00e5lidelige guide til at finde det billigste kvikl\u00e5n og sikre, at du tager den rigtige finansielle beslutning.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.dk\/beregn\/laaneomkostninger\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Pr\u00f8v Financer.dk l\u00e5neberegner<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Find_nye_kvikln_hos_Financerdk_i_3_trin\">Find nye kvikl\u00e5n hos Financer.dk i 3-trin<\/h2>\n\n\n<div class=\"howto_desc\"><p>Her kigger vi p\u00e5, hvordan du kan finde det bedste kvikl\u00e5n, hvad du skal v\u00e6re opm\u00e6rksom p\u00e5 og hvordan du sender en ans\u00f8gning<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-79823\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2024\/06\/find-nye-kviklan-hurtigt-med-financerdk.png\" alt=\"\" width=\"800\" height=\"1440\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2024\/06\/find-nye-kviklan-hurtigt-med-financerdk.png 800w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2024\/06\/find-nye-kviklan-hurtigt-med-financerdk-167x300.png 167w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2024\/06\/find-nye-kviklan-hurtigt-med-financerdk-569x1024.png 569w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2024\/06\/find-nye-kviklan-hurtigt-med-financerdk-768x1382.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p><\/div><h4>Trin<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Bestem dit l\u00e5nebudget<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Sammenlign kvikl\u00e5n<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Send din ans\u00f8gning<\/a><\/div><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\">Trin 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Bestem-dit-laanebudget\">Bestem dit l\u00e5nebudget<\/h3><p>Hvor meget vil du l\u00e5ne, og hvad er dit m\u00e5nedlige r\u00e5dighedsbel\u00f8b?<\/p>\n<p>F\u00f8r du opretter et kvikl\u00e5n, kan du med fordel g\u00f8re brug af et budgetskema til at finde dit r\u00e5dighedsbel\u00f8b.<\/p>\n<p>P\u00e5 den m\u00e5de ved du, hvor meget du har r\u00e5d til at betale tilbage hver m\u00e5ned.<\/p>\n<p>Det er vigtigt, at du ikke l\u00e5ner s\u00e5 mange penge, at du ikke kan betale l\u00e5net tilbage igen.<\/p>\n<p>N\u00e5r du ved, hvad du kan betale tilbage, er det nemt at v\u00e6lge et l\u00e5n, hvor din \u00f8konomi passer den m\u00e5nedlige ydelse.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Trin 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Sammenlign-kviklaan\">Sammenlign kvikl\u00e5n<\/h3><p>Nu hvor du kender dit l\u00e5nebudget og dit l\u00e5nebehov, er det tid til at finde det bedste kvikl\u00e5n for dig. Brug tabellen \u00f8verst p\u00e5 siden til at finde netop det l\u00e5n.<\/p>\n<p>Nu kan du enten v\u00e6lge at klikke dig videre direkte til l\u00e5ngiveren, eller l\u00e6se vores egen bed\u00f8mmelse af l\u00e5ngiveren, samt andre kunders anmeldelser.<\/p><\/div><div class=\"single-article__steps-item\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" class=\"attachment-full size-full\" alt=\"Cashper anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.145<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kortsigtet l\u00e5n med kautionist<\/li><li >Cashper er en del af det maltesiske firma Novum Bank<\/li><li >Du skal kunne dokumentere, at du har en stabil \u00f8konomi<\/li><li >Nem ans\u00f8gningsprocess<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">3000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">20000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5ned<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">6 m\u00e5neder<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8965\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel: Rentesatsen er fast. For et l\u00e5n p\u00e5 3000 kr med en l\u00f8betid p\u00e5 6 m\u00e5neder er den nominelle rente 22.44%. Den samlede omkostninger i procent er 24.90%. Det samlede tilbagebetalingsbel\u00f8b: 3199,38 kr. M\u00e5nedlig betaling: 533,23 kr pr. m\u00e5ned i 6 m\u00e5neder.<\/div><\/div><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Trin 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Send-din-ansoegning\">Send din ans\u00f8gning<\/h3><p><!-- wp:paragraph --><\/p>\n<p>Det sidste trin er at sende din l\u00e5neans\u00f8gning, hvilket er nemt og ligetil hos de fleste <a href=\"https:\/\/financer.dk\/laan-penge\/banker-laaneudbydere\/\">l\u00e5neudbydere<\/a>.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p><strong>Vi anbefaler, at du sender 2-3 ans\u00f8gninger, da du derefter kan vurdere l\u00e5netilbuddene individuelt.<\/strong><\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>S\u00e5dan kan du vurdere om de endelige l\u00e5netilbud lever op til dine krav og direkte sammenligne de forskellige kvikl\u00e5n, f\u00f8r du underskriver l\u00e5neaftalen.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>Et alternativ er at bruge en l\u00e5neformidler, som sender din ans\u00f8gning til de udbydere de samarbejder for dig.<\/p>\n<p><!-- \/wp:paragraph --><\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Alle kvikl\u00e5n<\/a><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Husk_det_er_gratis_at_sende_en_lneansgning\">Husk det er gratis at sende en l\u00e5neans\u00f8gning<\/h3><p><em>Det er uforpligtende og gratis at sende en l\u00e5neans\u00f8gning. Du skal f\u00f8rst skrive under p\u00e5 l\u00e5neaftalen efter du er godkendt til l\u00e5net.<\/em><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvad_er_et_kvikln\">Hvad er et kvikl\u00e5n?<\/h2>\n\n\n\n<p>Et kvikl\u00e5n er et lille forbrugsl\u00e5n med hurtig udbetaling, kort l\u00f8betid, og det optages uden sikkerhedsstillelse, typisk med et lavt l\u00e5nebel\u00f8b.<\/p>\n\n\n\n<p>Kvikl\u00e5n er ofte dyrere end traditionelle l\u00e5n, da de er kortfristede og risikable for l\u00e5ngiveren.<\/p>\n\n\n\n<p>Ordet &#8220;kvikl\u00e5n&#8221; er en sammensmeltning af ordene &#8220;kvik,&#8221; alts\u00e5 hurtigt, og &#8220;l\u00e5n.&#8221; Kvikl\u00e5n betyder simpelthen et almindeligt l\u00e5n med hurtig udbetaling.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"https:\/\/financer.dk\/wiki\/hvad-er-et-kviklaan\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  >Hvad er et kvikl\u00e5n?<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Regler_for_kvikln_i_Danmark\">Regler for kvikl\u00e5n i Danmark<\/h3>\n\n\n\n<p>I Danmark er der en r\u00e6kke regler, som l\u00e5neudbyderne skal overholde for at kunne tilbyde kvikl\u00e5n.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Maksimal \u00c5OP p\u00e5 35%:<\/strong> Det er blevet vedtaget, at i Danmark m\u00e5 et kvikl\u00e5n maksimalt have en \u00c5OP (\u00e5rlige omkostninger i procent) p\u00e5 35%.<\/p>\n<\/li><li><p><strong>Maksimalt 100% omkostninger p\u00e5 dit kvikl\u00e5n:<\/strong> For at sikre, at dine omkostninger og gebyrer ikke l\u00f8ber l\u00f8bsk, har Finanstilsynet fastlagt, at du som forbruger maksimalt kan betale 100% oveni dit l\u00e5nebel\u00f8b.<\/p>\n<\/li><li><p><strong>Kvikl\u00e5n og spil skal adskilles:<\/strong> Det er nu ikke tilladt at markedsf\u00f8re kvikl\u00e5n i forbindelse med markedsf\u00f8ring af spiludbydere eller spil p\u00e5 TV.<\/p>\n<\/li><li><p><strong>Ingen markedsf\u00f8ring af kvikl\u00e5n med en \u00c5OP over 25%:<\/strong> Da kvikl\u00e5n f\u00f8rst blev lanceret i Danmark, var det ikke ualmindeligt at se en \u00c5OP p\u00e5 200-500%. I dag er der dog lavet regler, og l\u00e5nevirksomheder m\u00e5 ikke markedsf\u00f8re kvikl\u00e5n med en \u00c5OP over 25%.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Husk_din_fortrydelsesret_p_14_dage_nr_du_optager_et_kvikln\">Husk din fortrydelsesret p\u00e5 14 dage, n\u00e5r du optager et kvikl\u00e5n<\/h3>\n\n\n\n<p>N\u00e5r du optager et kvikl\u00e5n i Danmark, har du 14 dages fortrydelsesret. Aftalen giver dig mulighed for at fortryde dit l\u00e5n og i stedet betale bel\u00f8bet tilbage indenfor 30 dage.<\/p>\n\n\n\n<p>Dette kan v\u00e6re vigtigt at vide, hvis du er blevet fristet af en hurtig udbetaling, men efterf\u00f8lgende fortryder og egentlig gerne vil annullere dit l\u00e5n.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"410_fortryder_at_have_oprettet_et_kvikln\">4\/10 fortryder at have oprettet et kvikl\u00e5n<\/h3>Konkurrence- og Forbrugerstyrelsen har gennemf\u00f8rt <a href=\"https:\/\/www.kfst.dk\/pressemeddelelser\/kfst\/2015\/20150520-kviklaan-skaber-problemer-hos-forbrugerne\/\">denne rundsp\u00f8rge<\/a> blandt 20-59-\u00e5rige, der har taget et kvikl\u00e5n.\n<ul>\n<li>Mere end 40 procent af de adspurgte svarer, at de efterf\u00f8lgende har fortrudt, at de tog l\u00e5net.<\/li>\n<li>N\u00e6sten 40 procent svarer, at l\u00e5net endte med at blive dyrere end forventet, da de optog det.<\/li>\n<li>Mere end 50% overvejede ikke andre alternativer, f\u00f8r de optog et kvikl\u00e5n.<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Krav_til_kvikln_i_fn_date_formatY_\">Krav til kvikl\u00e5n i 2024 <\/h2>\n\n\n\n<p>N\u00e5r du ans\u00f8ger om et kvikl\u00e5n, uanset hvor du v\u00e6lger at henvende dig, vil der v\u00e6re visse krav, som du skal opfylde for at blive godkendt. <\/p>\n\n\n\n<p>Disse krav er typisk standardiserede og g\u00e6lder for de fleste l\u00e5neudbydere. <\/p>\n\n\n\n<p>Her er nogle af de almindelige krav, du kan forvente at st\u00f8de p\u00e5:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Alder_\">Alder <\/h3>\n\n\n\n<p>For at kunne blive godkendt til et kvikl\u00e5n skal du v\u00e6re mindst 18 \u00e5r gammel. <\/p>\n\n\n\n<p>Dette skyldes, at du skal v\u00e6re myndig og have ansvar for dine egne \u00f8konomiske beslutninger.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ingen_registrering_i_RKI_\">Ingen registrering i RKI <\/h3>\n\n\n\n<p>RKI og Debitorregistret er registre, der indeholder informationer om personer med d\u00e5rlig betalingshistorik. <\/p>\n\n\n\n<p>N\u00e5r du er registreret som d\u00e5rlig betaler, kan virksomheder, der overvejer at l\u00e5ne penge til dig, sl\u00e5 dit personnummer op i disse registre. <\/p>\n\n\n\n<p>Dette hj\u00e6lper dem med at vurdere risikoen ved at l\u00e5ne dig penge og chancerne for at f\u00e5 pengene tilbage.<\/p>\n\n\n\n<p>Udbydere af kvikl\u00e5n foretager en kreditvurdering, hvor de unders\u00f8ger din \u00f8konomi og betalingsevne. <\/p>\n\n\n\n<p>Hvis du er registreret som d\u00e5rlig betaler, kan det v\u00e6re vanskeligt at f\u00e5 godkendt et l\u00e5n. Virksomheder kan kun f\u00e5 adgang til dine \u00f8konomiske oplysninger gennem disse registre, s\u00e5 hvis du ikke er registreret, er dine finanser en privatsag for dem.<\/p>\n\n\n\n<p>Typisk vil l\u00e5neudbydere afvise ans\u00f8gninger fra personer registreret i RKI eller Debitorregistret, da de betragter det som for risikabelt at l\u00e5ne penge til dem. <\/p>\n\n\n\n<p>For at blive fjernet fra registret skal du normalt opfylde dine forpligtelser over for de virksomheder, du skylder penge.<\/p>\n\n\n\n<p>L\u00e6s mere om <a href=\"https:\/\/financer.dk\/laan-penge\/laan-trods-rki\/\" data-type=\"page\" data-id=\"2430\">l\u00e5n trods rki<\/a>.<\/p>\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.dk\/selskab\/nordcredit\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/10\/nordcredit-logo-4.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/10\/nordcredit-logo-4.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/10\/nordcredit-logo-4-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>4.182<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kvikl\u00e5n<\/li><li >L\u00e5nebel\u00f8b: 1.000-20.000 kr.<\/li><li >Debitorrente er 22,50%<\/li><li >Du skal v\u00e6re fyldt 21 \u00e5r for at bruge NordCredit<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">25000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">24.97<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">24.97<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">20<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4912\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel ved ligelig betaling over 12 m\u00e5neder ved fuld udnyttelse af en kredit p\u00e5 5000 kr. med en \u00c5OP p\u00e5 24,97 %: Samlede omk. 630 kr. Samlede tilbagebetaling: 5630 kroner. Fast rente 22,5%. L\u00f8betiden er ikke fast.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"NemIDMitID_og_indkomst_\">NemID\/MitID og indkomst <\/h3>\n\n\n\n<p>Ved ans\u00f8gning om et kvikl\u00e5n vil de fleste l\u00e5neudbydere kr\u00e6ve, at du logger ind med dit NemID\/MitID.<br><br><a href=\"https:\/\/financer.dk\/laan-penge\/med-nemid\/\">L\u00e5n med NemID\/MitID<\/a> kr\u00e6ves ved stort set alle l\u00e5n i Danmark, og der findes ingen <a href=\"https:\/\/financer.dk\/laan-penge\/laan-uden-nemid\/\">l\u00e5n uden NemID\/MitID<\/a> med de rette godkendelser p\u00e5 det danske marked, som vi kender til hos Financer.dk.<\/p>\n\n\n\n<p><strong>Dette er for at validere din identitet og sikre, at du har adgang til offentlige sider og tjenester.<\/strong><\/p>\n\n\n\n<p>Hvis du ikke har NemID\/MitID, vil du sandsynligvis blive afvist af de fleste l\u00e5neudbydere. <\/p>\n\n\n\n<p>Derudover vil l\u00e5neudbyderne ogs\u00e5 bede om oplysninger om din m\u00e5nedlige indkomst for at vurdere din evne til at tilbagebetale l\u00e5net. <\/p>\n\n\n\n<p>En stabil m\u00e5nedlig indkomst \u00f8ger dine chancer for godkendelse og hurtig udbetaling, da det viser, at du har en p\u00e5lidelig indkomstkilde til at d\u00e6kke dine tilbagebetalinger. <\/p>\n\n\n\n<p>Hvis du har f\u00e6lles\u00f8konomi og er gift, kan det ogs\u00e5 v\u00e6re en fordel. Det reducerer risikoen, da det \u00f8ger den samlede faste m\u00e5nedlige indkomst.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\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.dk\/selskab\/ferratum\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>9.497<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kredit, kvikl\u00e5n<\/li><li >Ferratum har en h\u00f8j score p\u00e5 Trustpilot p\u00e5 4,4\/5 stjerner<\/li><li >Ferratum tilbyder l\u00e5n uden sikkerhed<\/li><li >Tilbyder straksudbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">22<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"216\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\">28<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >F\u00f8lgende priseksempel er baseret p\u00e5 antagelsen om, at man som ny kreditkunde udtr\u00e6kker bel\u00f8bet straks og tilbagebetaler over 12 m\u00e5neder.   L\u00e5nebel\u00f8b: 50.000 kr.\u00a0  Debitorrente: 22,52% &#8211; \u00c5OP: 24,99%  Samlede kreditomkostninger: 6.098 kr.\u00a0  Samlet tilbagebetaling: 56.098 kr.\u00a0  Minimumsbetaling hver m\u00e5ned: 4.674,86 kr.\u00a0     * Minimum m\u00e5nedlig betaling: 3.18% af den udst\u00e5ende kredit eller min. 150 kroner afh\u00e6ngigt af, hvad der er st\u00f8rst. Minimum tilbagebetaling: 9 m\u00e5neder. Maksimum tilbagebetaling: 199 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Fordele_og_ulemper_ved_kvikln\">Fordele og ulemper ved kvikl\u00e5n<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Fordele_ved_kvikln\">Fordele ved kvikl\u00e5n<\/h3><li>\n<p>Hurtig og nem adgang til penge<\/p>\n<\/li><li>\n<p>Du skal normalt ikke stille sikkerhed for de fleste kvikl\u00e5n<\/p>\n<\/li><li>\n<p>Fleksibelt l\u00e5nebel\u00f8b<\/p>\n<\/li><li>\n<p>Nem ans\u00f8gningsproces<\/p>\n<\/li><li>\n<p>Du kan bruge pengene p\u00e5 lige det, du vil<\/p>\n<\/li><li>\n<p>Kort svartid<\/p>\n<\/li><li>\n<p>Nemt for personer med d\u00e5rlig kreditv\u00e6rdighed<\/p>\n<\/li><li>\n<p>Hurtig ans\u00f8gning, hvor du undg\u00e5r komplekse ans\u00f8gningsprocesser<\/p>\n<\/li><li>\n<p>\u00d8konomisk fleksibilitet til at im\u00f8dekomme uforudsete udgifter<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Ulemper_ved_kvikln\">Ulemper ved kvikl\u00e5n<\/h3><li>\n<p>H\u00f8jere renter end i banken<\/p>\n<\/li><li>\n<p>Flere gebyrer ved oprettelse af et kvikl\u00e5n<\/p>\n<\/li><li>\n<p>Risiko for g\u00e6ldsproblemer<\/p>\n<\/li><li>\n<p>Risiko for overbelastning, da det kan v\u00e6re stressende at skulle overholde tilbagebetalinger, hvis \u00f8konomien ikke h\u00e6nger sammen<\/p>\n<\/li><li>\n<p>Dyrt, hvis du ikke overholder din tilbagebetaling<\/p>\n<\/li><li>\n<p>Risiko for at falde i en g\u00e6ldsspiral<\/p>\n<\/li><li>\n<p>Kvikl\u00e5n har normalt meget stramme tilbagebetalingsbetingelser<\/p>\n<\/li><li>\n<p>Der findes svindlere inden for kvikl\u00e5n, s\u00e5 v\u00e6r opm\u00e6rksom p\u00e5, hvor du l\u00e5ner penge<\/p>\n<\/li><li>\n<p>H\u00f8je gebyrer og mere at betale af hver m\u00e5ned kan p\u00e5virke din \u00f8konomiske stabilitet<\/p>\n<\/li><\/ul><\/div>\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.dk\/selskab\/cashper\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" class=\"attachment-full size-full\" alt=\"Cashper anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.145<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kortsigtet l\u00e5n med kautionist<\/li><li >Cashper er en del af det maltesiske firma Novum Bank<\/li><li >Du skal kunne dokumentere, at du har en stabil \u00f8konomi<\/li><li >Nem ans\u00f8gningsprocess<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">3000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">20000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5ned<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">6 m\u00e5neder<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8965\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel: Rentesatsen er fast. For et l\u00e5n p\u00e5 3000 kr med en l\u00f8betid p\u00e5 6 m\u00e5neder er den nominelle rente 22.44%. Den samlede omkostninger i procent er 24.90%. Det samlede tilbagebetalingsbel\u00f8b: 3199,38 kr. M\u00e5nedlig betaling: 533,23 kr pr. m\u00e5ned i 6 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kvikln_eller_opsparing_\">Kvikl\u00e5n eller opsparing? <\/h2>\n\n\n\n<p>Overvejelsen mellem at tage et kvikl\u00e5n eller bruge sin opsparing er en almindelig situation, som mange st\u00e5r overfor. <\/p>\n\n\n\n<p>Den rette l\u00f8sning afh\u00e6nger af din nuv\u00e6rende \u00f8konomiske situation.<\/p>\n\n\n\n<p><strong>At spare op er generelt den mest fordelagtige l\u00f8sning, hvis du har tid til det. <\/strong><\/p>\n\n\n\n<p>Et kvikl\u00e5n indeb\u00e6rer nemlig ekstra omkostninger s\u00e5som renter og gebyrer, hvilket g\u00f8r det dyrere p\u00e5 lang sigt. <\/p>\n\n\n\n<p>At have en opsparing giver ogs\u00e5 en s\u00e6rlig tilfredsstillelse ved at kunne realisere l\u00e6nge \u00f8nskede k\u00f8b eller h\u00e5ndtere uforudsete udgifter uden bekymringer.<\/p>\n\n\n\n<p>Hvis det derimod drejer sig om en akut udgift eller noget, der kr\u00e6ver omg\u00e5ende betaling, kan et kvikl\u00e5n v\u00e6re en fornuftig l\u00f8sning, is\u00e6r hvis du har midler til at tilbagebetale l\u00e5net til tiden. <\/p>\n\n\n\n<p>Det er dog essentielt at udarbejde et budget f\u00f8rst og sikre, at du kan h\u00e5ndtere afdragene hver m\u00e5ned. <\/p>\n\n\n\n<p>Overvej n\u00f8je, om du har de n\u00f8dvendige \u00f8konomiske ressourcer til at h\u00e5ndtere l\u00e5net, da det kan blive dyrt, hvis du ikke kan tilbagebetale det rettidigt.<\/p>\n\n\n\n<p><strong>L\u00e5n altid med omhu og gennemt\u00e6nkning, da en opsparing typisk er den mest \u00f8konomiske l\u00f8sning p\u00e5 l\u00e6ngere sigt.<\/strong><\/p>\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.dk\/selskab\/kreditnu\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/10\/kreditnu-logo.png\" class=\"attachment-full size-full\" alt=\"KreditNU anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.595<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Gratis ans\u00f8gning<\/li><li >L\u00e5netype: Kortsigtet kreditaftale<\/li><li >L\u00e5nebel\u00f8b: 4.000-25.000 kr.<\/li><li >Du skal v\u00e6re fyldt 23 \u00e5r for at kunne ans\u00f8ge<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">25000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">23<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"13469\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: 10.000 kr. over 24 mdr. \u00c5rlig debitorente: 0%. \u00c5OP: 24,87%. Mdl. ydelse: 520,83 kr. Samlet tilbagebetaling: 12.500 kr. Samlede kreditomk.: 2.500 kr. Ans\u00f8ger skal v\u00e6re mellem 23-70 \u00e5r samt opfylde kriterierne for samlet kreditv\u00e6rdighedsvurdering og m\u00e5 ikke v\u00e6re registreret i RKI eller Debitor Registret.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvorfor_er_OP_p_kvikln_s_hj_\">Hvorfor er \u00c5OP p\u00e5 kvikl\u00e5n s\u00e5 h\u00f8j? <\/h2>\n\n\n\n<p>Grunden til, at \u00c5OP ofte er s\u00e5 h\u00f8j p\u00e5 kvikl\u00e5n, skyldes blandt andet den m\u00e5de, den udregnes p\u00e5. <\/p>\n\n\n\n<p>\u00c5OP beregnes ud fra en 12 m\u00e5neders periode, og da kvikl\u00e5n typisk tilbagebetales over en kort periode, vil \u00c5OP p\u00e5 kvikl\u00e5n v\u00e6re meget h\u00f8jere end p\u00e5 normale bankl\u00e5n. <\/p>\n\n\n\n<p>Andre grunde til, at \u00c5OP p\u00e5 kvikl\u00e5n er s\u00e5 h\u00f8je, kan v\u00e6re:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>H\u00f8j risiko: <\/strong>Kvikl\u00e5n indeb\u00e6rer normalt en h\u00f8jere risiko for l\u00e5neudbyderne, da de ofte ikke kr\u00e6ver sikkerhedsstillelse eller gennemf\u00f8rer en omfattende kreditvurdering. <\/p>\n\n<p>Dette betyder, at l\u00e5neudbyderne tager en st\u00f8rre risiko ved at give en hurtig udbetaling og l\u00e5ne penge ud til enkeltpersoner, der m\u00e5ske ikke har den bedste kreditv\u00e6rdighed eller \u00f8konomiske stabilitet. <\/p>\n\n<p>For at kompensere for denne risiko opkr\u00e6ver l\u00e5neudbyderne h\u00f8jere renter og gebyrer.<\/p>\n<\/li><li>\n<p><strong>Omkostninger til administrative opgaver for l\u00e5neudbyderen<\/strong>: Kvikl\u00e5n involverer ofte en mere simpel og hurtig ans\u00f8gningsproces sammenlignet med traditionelle l\u00e5n. <\/p>\n\n<p>Dette kr\u00e6ver imidlertid ogs\u00e5 en mere effektiv og automatiseret administrativ infrastruktur, som kan v\u00e6re dyrere at opretholde. <\/p>\n\n<p>Disse administrative omkostninger kan afspejles i den h\u00f8jere \u00c5OP.<\/p>\n<\/li><li>\n<p><strong>Markedsdynamik:<\/strong> Konkurrencen p\u00e5 kvikl\u00e5nsmarkedet kan v\u00e6re intens, hvilket kan f\u00f8re til h\u00f8jere \u00c5OP. <\/p>\n\n<p>L\u00e5neudbydere kan tilbyde mere fleksible l\u00e5n og hurtig udbetaling, men dette kan medf\u00f8re h\u00f8jere omkostninger for l\u00e5ntageren.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kvikln_til_studerende\">Kvikl\u00e5n til studerende<\/h2>\n\n\n\n<p>Der findes ikke specielle kvikl\u00e5n til studerende, men som alle andre kan du ogs\u00e5 ans\u00f8ge om et kvikl\u00e5n, selv om du studerer. <\/p>\n\n\n\n<p>Det er en god id\u00e9 at overveje, om hvorvidt man skal tage et kvikl\u00e5n eller et SU-l\u00e5n.<\/p>\n\n\n\n<p>Ved at tage et <a href=\"https:\/\/financer.dk\/wiki\/su-laan\/\" data-type=\"wiki\" data-id=\"2847\">SU-l\u00e5n<\/a> kan man supplere sin \u00f8konomi uden n\u00f8dvendigvis at skulle tage et studiejob. Det kan give mere frihed, fordi man har mere tid til at fokusere p\u00e5 sit studie og de ting, som er vigtige for en. <\/p>\n\n\n\n<p>Et SU-l\u00e5n er et bel\u00f8b, man kan l\u00e5ne hver m\u00e5ned ved siden af sin SU. <\/p>\n\n\n\n<p>Bel\u00f8bet kan variere, dog er der et maksimumbel\u00f8b p\u00e5 ca. 3.200 kr. om m\u00e5neden.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Sammenlign kvikl\u00e5n <\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Flg_disse_7_trin__nr_du_skal_sammenligne_kvikln\">F\u00f8lg disse 7 trin \u2013 n\u00e5r du skal sammenligne kvikl\u00e5n<\/h2>\n\n\n\n<p>Hvis du overvejer et kvikl\u00e5n, kan det v\u00e6re en god id\u00e9 at f\u00f8lge disse 7 trin for at sammenligne forskellige l\u00e5netilbud og finde det bedste kvikl\u00e5n til dine behov. <\/p>\n\n\n\n<p>Ved at f\u00f8lge disse 7 trin kan du foretage en grundig sammenligning af kvikl\u00e5n og finde det mest passende og \u00f8konomisk fordelagtige l\u00e5n for dig.<\/p>\n\n\n<h4>Trin<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Hvor meget \u00f8nsker du at l\u00e5ne?<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Hvor lang l\u00f8betid \u00f8nsker du p\u00e5 dit kvikl\u00e5n?<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Hvor hurtigt skal du bruge pengene?<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. L\u00e5neudbydernes krav \u2013 hvilke lever du op til?<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. Anmeldelse af kvikl\u00e5n \u2013 betyder andres meninger noget for dig?<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_6\">6. Hvad g\u00e5r du efter? \u2013 kvikl\u00e5n med lav \u00c5OP eller billigst kvikl\u00e5n?<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_7\">7. Indhent flere tilbud \u2013 f\u00e5 det billigste kvikl\u00e5n<\/a><\/div><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\">Trin 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Hvor-meget-oensker-du-at-laane\">Hvor meget \u00f8nsker du at l\u00e5ne?<\/h3>Start med at beslutte, hvor meget penge du har brug for. Det kan v\u00e6re en god id\u00e9 at l\u00e5ne pr\u00e6cis det bel\u00f8b, du har brug for, og undg\u00e5 at l\u00e5ne mere end n\u00f8dvendigt.<\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Trin 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Hvor-lang-loebetid-oensker-du-paa-dit-kviklaan\">Hvor lang l\u00f8betid \u00f8nsker du p\u00e5 dit kvikl\u00e5n?<\/h3>Overvej, hvor lang tid du vil have til at tilbagebetale l\u00e5net. Kortere l\u00f8betid kan betyde h\u00f8jere m\u00e5nedlige afdrag, men mindre samlede omkostninger i form af renter.<\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Trin 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Hvor-hurtigt-skal-du-bruge-pengene\">Hvor hurtigt skal du bruge pengene?<\/h3>Hvis du har brug for pengene hurtigt, kan det v\u00e6re vigtigt at finde en l\u00e5neudbyder, der kan tilbyde hurtig godkendelse og hurtig udbetaling af l\u00e5net.\nVed at bruge vores <a href=\"#top\">&#8220;sammenlign kvikl\u00e5n&#8221;<\/a> side, kan du enkelt finde det kvikl\u00e5n, der bedst passer din situation.<\/div><div class=\"single-article__steps-item\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" class=\"attachment-full size-full\" alt=\"Cashper anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.145<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kortsigtet l\u00e5n med kautionist<\/li><li >Cashper er en del af det maltesiske firma Novum Bank<\/li><li >Du skal kunne dokumentere, at du har en stabil \u00f8konomi<\/li><li >Nem ans\u00f8gningsprocess<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">3000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">20000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5ned<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">6 m\u00e5neder<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8965\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel: Rentesatsen er fast. For et l\u00e5n p\u00e5 3000 kr med en l\u00f8betid p\u00e5 6 m\u00e5neder er den nominelle rente 22.44%. Den samlede omkostninger i procent er 24.90%. Det samlede tilbagebetalingsbel\u00f8b: 3199,38 kr. M\u00e5nedlig betaling: 533,23 kr pr. m\u00e5ned i 6 m\u00e5neder.<\/div><\/div><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Trin 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Laaneudbydernes-krav-\u2013-hvilke-lever-du-op-til\">L\u00e5neudbydernes krav \u2013 hvilke lever du op til?<\/h3>Unders\u00f8g l\u00e5neudbydernes krav til ans\u00f8gere. Nogle kr\u00e6ver, at du har en vis indkomst eller ingen registreringer i RKI. V\u00e6r sikker p\u00e5, at du opfylder de n\u00f8dvendige krav, inden du ans\u00f8ger.<\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Trin 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Anmeldelse-af-kviklaan-\u2013-betyder-andres-meninger-noget-for-dig\">Anmeldelse af kvikl\u00e5n \u2013 betyder andres meninger noget for dig?<\/h3>L\u00e6s anmeldelser eller bed\u00f8mmelser af l\u00e5neudbydere for at f\u00e5 indblik i andres erfaringer. Det kan hj\u00e6lpe dig med at tr\u00e6ffe en informeret beslutning om, hvilken l\u00e5neudbyder der er p\u00e5lidelig og har gode vilk\u00e5r.<\/div><div class=\"single-article__steps-counter\" id=\"step_6\">Trin 6<\/div><div class=\"single-article__steps-content\"><h3 id=\"Hvad-gaar-du-efter-\u2013-kviklaan-med-lav-AaOP-eller-billigst-kviklaan\">Hvad g\u00e5r du efter? \u2013 kvikl\u00e5n med lav \u00c5OP eller billigst kvikl\u00e5n?<\/h3>Overvej, om du prioriterer et kvikl\u00e5n med lav \u00c5OP, som viser de samlede omkostninger ved l\u00e5net, eller om du vil have det absolut billigste kvikl\u00e5n med lavest mulige rente.<\/div><div class=\"single-article__steps-counter\" id=\"step_7\">Trin 7<\/div><div class=\"single-article__steps-content\"><h3 id=\"Indhent-flere-tilbud-\u2013-faa-det-billigste-kviklaan\">Indhent flere tilbud \u2013 f\u00e5 det billigste kvikl\u00e5n<\/h3>Sammenlign tilbud fra forskellige l\u00e5neudbydere. Indhent flere tilbud og sammenlign rentesatser, gebyrer og l\u00e5nevilk\u00e5r.\nP\u00e5 den m\u00e5de kan du v\u00e6lge det billigste kvikl\u00e5n, der passer bedst til dine behov.<\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Sammenlign kvikl\u00e5n nu<\/a><\/div>\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Overvej_din_konomiske_situation_fr_du_lner\">Overvej din \u00f8konomiske situation f\u00f8r du l\u00e5ner<\/h3><p>F\u00f8r du ans\u00f8ger om et kvikl\u00e5n b\u00f8r du altid overveje sin \u00f8konomiske situation n\u00f8je, og sikre dig, at du kan overholde tilbagebetalingsbetingelserne. Det kan blive en dyr forn\u00f8jelse, hvis ikke du kan betale tilbage og der er en risiko for, at du ender i RKI.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Konsekvenser_ved_Kvikln_\">Konsekvenser ved Kvikl\u00e5n <\/h2>\n\n\n\n<p>F\u00f8r du accepterer et kvikl\u00e5n, er det vigtigt at t\u00e6nke dig godt om og v\u00e6re opm\u00e6rksom p\u00e5 de potentielle konsekvenser, dit valg kan have p\u00e5 din \u00f8konomi i fremtiden. <\/p>\n\n\n\n<p>Hvis du ikke har styr p\u00e5 tilbagebetalingen, kan l\u00e5net ende med at koste dig flere penge end forventet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ls_aftalen_grundigt_igennem_fr_du_skriver_under_med_MitID\">L\u00e6s aftalen grundigt igennem, f\u00f8r du skriver under med MitID<\/h3>\n\n\n\n<p>L\u00e6s altid l\u00e5neaftalen grundigt, f\u00f8r du accepterer den. V\u00e6r sikker p\u00e5 at forst\u00e5 vilk\u00e5rene og betingelserne for l\u00e5net, herunder tilbagebetalingsplanen og eventuelle gebyrer.<\/p>\n\n\n\n<p><strong>3 konsekvenser ved kvikl\u00e5n:<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Ophobning af uoverskuelig g\u00e6ld: <\/strong>Hvis du ikke kan tilbagebetale l\u00e5net og overholde dine m\u00e5nedlige betalinger, kan du ende med at opbygge en g\u00e6ld, der bliver sv\u00e6r at h\u00e5ndtere. Dette kan have negative konsekvenser for din \u00f8konomi p\u00e5 lang sigt.<\/p>\n<\/li><li><p><strong>Registrering i RKI:<\/strong> Hvis du ikke kan opfylde dine l\u00e5neforpligtelser og misligholder kvikl\u00e5net, kan det resultere i en registrering hos RKI. Dette kan p\u00e5virke din kreditv\u00e6rdighed og g\u00f8re det sv\u00e6rere for dig at l\u00e5ne penge i fremtiden.<\/p>\n<\/li><li><p><strong>Begr\u00e6nset mulighed for fremtidige l\u00e5n:<\/strong> Hvis du opbygger en betydelig g\u00e6ld p\u00e5 grund af kvikl\u00e5n, kan det begr\u00e6nse din evne til at l\u00e5ne penge til vigtige k\u00f8b som f.eks. et hus eller en bil. L\u00e5ngivere vil tage hensyn til din \u00f8konomiske situation og g\u00e6ldsbyrde, n\u00e5r de vurderer din kreditv\u00e6rdighed.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Derfor anbefaler vi, at du laver et budget, f\u00f8r du v\u00e6lger et kvikl\u00e5n med hurtig udbetaling, for at sikre, at du har \u00f8konomisk r\u00e5derum til at h\u00e5ndtere og afvikle g\u00e6lden igen. <\/p>\n\n\n\n<p>Har du allerede g\u00e6ld eller skal bruge et kvikl\u00e5n til at betale dine m\u00e5nedlige udgifter, s\u00e5 er det vigtigt f\u00f8rst at f\u00e5 styr p\u00e5 din \u00f8konomi, f\u00f8r du optager ny g\u00e6ld.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Er_kvikln_det_rigtige_for_dig\">Er kvikl\u00e5n det rigtige for dig?<\/h2>\n\n\n\n<p>Du har sandsynligvis set reklamer for online kvikl\u00e5n i medierne, og hvis du overvejer at tage et s\u00e5dant l\u00e5n, er det afg\u00f8rende at tage dig tid til at overveje dine muligheder grundigt f\u00f8rst.<\/p>\n\n\n\n<p>Det er individuelt, om et kvikl\u00e5n er en god id\u00e9. For at hj\u00e6lpe dig med at tr\u00e6ffe den rigtige beslutning, kan du stille dig selv tre vigtige sp\u00f8rgsm\u00e5l:<\/p>\n\n\n\n<ol>\n<li>Kan jeg h\u00e5ndtere de m\u00e5nedlige afdrag?<\/li>\n\n\n\n<li>Har jeg midler til at betale de gebyrer, der f\u00f8lger med l\u00e5net?<\/li>\n\n\n\n<li>Har jeg virkelig brug for at l\u00e5ne penge til dette form\u00e5l?<\/li>\n<\/ol>\n\n\n\n<p>Det kan v\u00e6re fristende at tage et hurtigt l\u00e5n for at k\u00f8be ting som et nyt fjernsyn, en sofa, en computer eller en smartphone, men husk at disse k\u00f8b ikke altid er n\u00f8dvendige &#8211; de er mere til forn\u00f8jelse.<\/p>\n\n\n\n<p>Vi hos Financer opfordrer altid til, at du t\u00e6nker dig om n\u00f8je, f\u00f8r du l\u00e5ner penge, da det kan have store konsekvenser, hvis du ikke g\u00f8r det med omhu.<\/p>\n\n\n\n<p>Her er nogle r\u00e5d at overveje:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Vurder, hvor vigtigt det er for dig at l\u00e5ne til dit k\u00f8b, og om det stadig vil v\u00e6re lige s\u00e5 vigtigt om 14 dage.<\/p>\n<\/li><li><p>Undg\u00e5 at l\u00e5ne penge til at betale anden g\u00e6ld, medmindre det er en del af en samlet g\u00e6ldssanering med besparelser p\u00e5 renter og omkostninger.<\/p>\n<\/li><li><p>Lav en detaljeret plan med et <a href=\"https:\/\/financer.dk\/privatoekonomi\/artikel\/budget\/\">budget<\/a>, der viser, hvor meget du kan afdrage hver m\u00e5ned.<\/p>\n<\/li><li><p>Sammenlign l\u00e5netilbud ved at kigge p\u00e5 \u00c5OP for at sikre, at du ikke betaler mere end n\u00f8dvendigt.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Brugerne_hos_Financer_anbefaler_disse_4_kvikln_i_fn_date_formatY\">Brugerne hos Financer anbefaler disse 4 kvikl\u00e5n i 2024<\/h3>\n\n\n\n<p>Vores brugere har talt, og disses 4 kvikl\u00e5n, er blandt de mest brugte hos Financer.dk lige netop nu.<\/p>\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.dk\/selskab\/cashper\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" class=\"attachment-full size-full\" alt=\"Cashper anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.145<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kortsigtet l\u00e5n med kautionist<\/li><li >Cashper er en del af det maltesiske firma Novum Bank<\/li><li >Du skal kunne dokumentere, at du har en stabil \u00f8konomi<\/li><li >Nem ans\u00f8gningsprocess<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">3000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">20000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5ned<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">6 m\u00e5neder<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"8965\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel: Rentesatsen er fast. For et l\u00e5n p\u00e5 3000 kr med en l\u00f8betid p\u00e5 6 m\u00e5neder er den nominelle rente 22.44%. Den samlede omkostninger i procent er 24.90%. Det samlede tilbagebetalingsbel\u00f8b: 3199,38 kr. M\u00e5nedlig betaling: 533,23 kr pr. m\u00e5ned i 6 m\u00e5neder.<\/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.dk\/selskab\/kreditnu\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2019\/10\/kreditnu-logo.png\" class=\"attachment-full size-full\" alt=\"KreditNU anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.595<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >Gratis ans\u00f8gning<\/li><li >L\u00e5netype: Kortsigtet kreditaftale<\/li><li >L\u00e5nebel\u00f8b: 4.000-25.000 kr.<\/li><li >Du skal v\u00e6re fyldt 23 \u00e5r for at kunne ans\u00f8ge<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">4000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">25000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">0.00<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">23<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"13469\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: 10.000 kr. over 24 mdr. \u00c5rlig debitorente: 0%. \u00c5OP: 24,87%. Mdl. ydelse: 520,83 kr. Samlet tilbagebetaling: 12.500 kr. Samlede kreditomk.: 2.500 kr. Ans\u00f8ger skal v\u00e6re mellem 23-70 \u00e5r samt opfylde kriterierne for samlet kreditv\u00e6rdighedsvurdering og m\u00e5 ikke v\u00e6re registreret i RKI eller Debitor Registret.<\/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.dk\/selskab\/nordcredit\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/10\/nordcredit-logo-4.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/10\/nordcredit-logo-4.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2017\/10\/nordcredit-logo-4-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>4.182<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kvikl\u00e5n<\/li><li >L\u00e5nebel\u00f8b: 1.000-20.000 kr.<\/li><li >Debitorrente er 22,50%<\/li><li >Du skal v\u00e6re fyldt 21 \u00e5r for at bruge NordCredit<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">1000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">25000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">24.97<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">24.97<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">20<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4912\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/#read-reviews\">3<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel ved ligelig betaling over 12 m\u00e5neder ved fuld udnyttelse af en kredit p\u00e5 5000 kr. med en \u00c5OP p\u00e5 24,97 %: Samlede omk. 630 kr. Samlede tilbagebetaling: 5630 kroner. Fast rente 22,5%. L\u00f8betiden er ikke fast.<\/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.dk\/selskab\/ferratum\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>9.497<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kredit, kvikl\u00e5n<\/li><li >Ferratum har en h\u00f8j score p\u00e5 Trustpilot p\u00e5 4,4\/5 stjerner<\/li><li >Ferratum tilbyder l\u00e5n uden sikkerhed<\/li><li >Tilbyder straksudbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">22<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"216\" 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\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\">28<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >F\u00f8lgende priseksempel er baseret p\u00e5 antagelsen om, at man som ny kreditkunde udtr\u00e6kker bel\u00f8bet straks og tilbagebetaler over 12 m\u00e5neder.   L\u00e5nebel\u00f8b: 50.000 kr.\u00a0  Debitorrente: 22,52% &#8211; \u00c5OP: 24,99%  Samlede kreditomkostninger: 6.098 kr.\u00a0  Samlet tilbagebetaling: 56.098 kr.\u00a0  Minimumsbetaling hver m\u00e5ned: 4.674,86 kr.\u00a0     * Minimum m\u00e5nedlig betaling: 3.18% af den udst\u00e5ende kredit eller min. 150 kroner afh\u00e6ngigt af, hvad der er st\u00f8rst. Minimum tilbagebetaling: 9 m\u00e5neder. Maksimum tilbagebetaling: 199 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Se alle kvikl\u00e5n<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Alternativer_til_kvikln_du_br_overveje_\">Alternativer til kvikl\u00e5n, du b\u00f8r overveje <\/h2>\n\n\n\n<p>Online kvikl\u00e5n er en mulighed for dig, der st\u00e5r og mangler penge med en hurtig udbetaling. Der findes dog alternative muligheder, som du b\u00f8r overveje, f\u00f8r du beslutter dig. <\/p>\n\n\n\n<p>Du kan bl.a. overveje og l\u00e6se mere omkring f\u00f8lgende muligheder:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>Kassekredit:<\/strong> En <a href=\"https:\/\/financer.dk\/laan-penge\/kassekredit\/\" data-type=\"page\" data-id=\"5022\">kassekredit<\/a>, eller bevilget overtr\u00e6k, er en nem og oplagt l\u00f8sning, hvis du har brug for lidt ekstra hver m\u00e5ned. <\/p>\n\n<p>Fordelen ved en kassekredit er, at du f\u00f8rst betaler renter fra det tidspunkt, du har overtr\u00e6k p\u00e5 din konto. Du kan \u00e5bne en kassekredit hos din almindelige bank.<\/p>\n<\/li><li>\n<p><strong>Kreditkort:<\/strong> Et <a href=\"https:\/\/financer.dk\/kreditkort\/\" data-type=\"page\" data-id=\"163\">kreditkort<\/a> minder p\u00e5 mange m\u00e5der om en kassekredit, men kommer ofte med andre fordele, s\u00e5som rejseforsikring og andre frynsegoder. <\/p>\n\n<p>Du skal normalt ans\u00f8ge om et kreditkort p\u00e5 samme m\u00e5de som med et l\u00e5n.<\/p>\n<\/li><li>\n<p><strong>Spar op<\/strong>: Hvis dit l\u00e5nebehov ikke er en hastesag, kan du overveje at <a href=\"https:\/\/financer.dk\/blog\/de-3-vigtigste-grunde-til-at-spare-op-og-den-bedste-maade\/\" data-type=\"post\" data-id=\"2030\">spare op<\/a> i stedet for at tage et kvikl\u00e5n. Det er b\u00e5de billigere og mindre risikabelt.<\/p>\n<\/li><li>\n<p><strong>Tjen mere:<\/strong> Kan du <a href=\"https:\/\/financer.dk\/blog\/tjen-penge\/\" data-type=\"post\" data-id=\"30607\">tjene flere penge<\/a>, har du m\u00e5ske ikke brug for et kvikl\u00e5n l\u00e6ngere. Tag evt. ekstra arbejde.<\/p>\n<\/li><li>\n<p><strong>Sp\u00f8rg familie:<\/strong> Du kan overveje at bede din familie eller venner om hj\u00e6lp; her skal du sandsynligvis ikke betale nogen renter eller gebyrer for l\u00e5net.<\/p>\n<\/li><li>\n<p><strong>Forbrugsl\u00e5n<\/strong> er designet til personligt forbrug uden specifik form\u00e5l og kan v\u00e6re oprettet med eller uden sikkerhed.<\/p>\n\n<p>Disse l\u00e5n giver fleksibilitet til at bruge pengene efter eget \u00f8nske og tilbydes af banker og l\u00e5neudbydere.<\/p>\n\n<\/li><li>\n<p><strong>Samlel\u00e5n<\/strong> er beregnet til at samle flere eksisterende l\u00e5n og g\u00e6ld til \u00e9t enkelt l\u00e5n for at forenkle \u00f8konomien.<\/p>\n\n<p>Dette kan hj\u00e6lpe med at reducere den samlede m\u00e5nedlige betaling og renteudgifterne. Samlel\u00e5n f\u00e5s fra banker og udvalgte l\u00e5neudbydere.<\/p>\n<\/li><li>\n<p><strong>Bankl\u00e5n<\/strong> er et bredt udtryk, der omfatter forskellige typer l\u00e5n, herunder boligl\u00e5n, bill\u00e5n, studiel\u00e5n og erhvervsl\u00e5n.<\/p>\n\n<p>Disse l\u00e5n kr\u00e6ver normalt sikkerhed og tilbydes af traditionelle banker.<\/p>\n\n<p>Bankl\u00e5n kan have l\u00e6ngere l\u00e5neperioder og mere konkurrencedygtige renter og betingelser.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#alle\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_self\"  >Sammenlign kvikl\u00e5n<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Det_sprger_andre_om_ved_kvikln\">Sp\u00f8rgsm\u00e5l og svar om kvikl\u00e5n<\/h3><h4>Hvilke krav skal jeg opfylde?<\/h4><div class=\"faq_inner\"><p>N\u00e5r du ans\u00f8ger om et kvikl\u00e5n, uanset hvor du v\u00e6lger at henvende dig, vil der v\u00e6re visse krav, som du skal opfylde for at blive godkendt.<\/p>\n<p>Disse krav er typisk standardiserede og g\u00e6lder for de fleste l\u00e5neudbydere. Her er nogle af de almindelige krav, du kan forvente at st\u00f8de p\u00e5:<\/p>\n<ul>\n<li><strong>Alder<\/strong><\/li>\n<li>Ingen registrering i RKI<\/li>\n<li>Brug af NemID\/MitID samt at kunne dokumentere indkomst<\/li>\n<\/ul><\/div><h4>Aldersgr\u00e6nse ved kvikl\u00e5n?<\/h4><div class=\"faq_inner\"><p>For at kunne blive godkendt til et kvikl\u00e5n skal du v\u00e6re mindst 18 \u00e5r gammel.<\/p>\n<p>Dette skyldes, at du skal v\u00e6re myndig og have ansvar for dine egne \u00f8konomiske beslutninger.<\/p><\/div><h4>Kvikl\u00e5n i udlandet hvis du er dansker?<\/h4><div class=\"faq_inner\">For at kunne f\u00e5 et kvikl\u00e5n, s\u00e5 kr\u00e6ver det at du har en dansk adresse. Du kan derfor ikke f\u00e5 et kvikl\u00e5n, hvis du bor i udlandet.<\/div><h4>Kan jeg f\u00e5 et kvikl\u00e5n uden NemID eller MitID?<\/h4><div class=\"faq_inner\">I Danmark skal du kunne skrive under med NemID eller MitID for at kunne f\u00e5 et kvikl\u00e5n.<\/div><h4>Kvikl\u00e5n uden arbejde \u2013 er det muligt?<\/h4><div class=\"faq_inner\"><p>Nogle l\u00e5neudbydere har det som mulighed at tilf\u00f8je en medans\u00f8ger. Dette er en person, som kan blive stillet til ansvar, hvis du ikke kan betale dine afdrag.<\/p>\n<p>En medans\u00f8ger kan ogs\u00e5 \u00f8ge dine chancer for at blive godkendt, hvis du ikke har arbejde eller er p\u00e5 kontanthj\u00e6lp.<\/p><\/div><h4>Kan jeg f\u00e5 et Kvikl\u00e5n p\u00e5 kontanthj\u00e6lp?<\/h4><div class=\"faq_inner\"><p>Nogle l\u00e5neudbydere har det som mulighed at tilf\u00f8je en medans\u00f8ger. Dette er en person, som kan blive stillet til ansvar, hvis du ikke kan betale dine afdrag.<\/p>\n<p>En medans\u00f8ger kan ogs\u00e5 \u00f8ge dine chancer for at blive godkendt, hvis du ikke har arbejde eller er p\u00e5 kontanthj\u00e6lp.<\/p><\/div><h4>Kan jeg f\u00e5 et kvikl\u00e5n trods RKI?<\/h4><div class=\"faq_inner\"><p>Hvis du er registreret i RKI eller Debitorregistret, vil du typisk ikke blive godkendt af l\u00e5neudbyderne.<\/p>\n<p>Registreringen sker, n\u00e5r du ikke overholder betalingsfrister og forpligtelser over for virksomheder.<\/p>\n<p>For at blive fjernet fra registret skal du normalt opfylde dine forpligtelser over for den p\u00e5g\u00e6ldende virksomhed.<\/p>\n<p>De fleste l\u00e5neudbydere vurderer, at det er for risikabelt at l\u00e5ne penge til d\u00e5rlige betalere, og derfor vil ans\u00f8gere med s\u00e5danne registreringer ofte blive afvist.<\/p><\/div><h4>Kr\u00e6ver det dokumentation for at f\u00e5 et kvikl\u00e5n?<\/h4><div class=\"faq_inner\"><p>F\u00f8lgende dokumentation skal fremvises ved ans\u00f8gning af et kvikl\u00e5n:<\/p>\n<ul>\n<li>Bop\u00e6l<\/li>\n<li>RKI<\/li>\n<li>Indkomst<\/li>\n<\/ul>\n<p>En stabil m\u00e5nedlig indkomst \u00f8ger dine chancer for godkendelse og hurtig udbetaling, da det viser, at du har en p\u00e5lidelig indkomstkilde til at d\u00e6kke dine tilbagebetalinger.<\/p>\n<p>Hvis du har f\u00e6lles\u00f8konomi og er gift, kan det ogs\u00e5 v\u00e6re en fordel, da det reducerer risikoen og \u00f8ger den samlede faste m\u00e5nedlige indkomst.<\/p><\/div><h4>Hvad er kvikl\u00e5n uden sikkerhed?<\/h4><div class=\"faq_inner\">Et kvikl\u00e5n er et lille forbrugsl\u00e5n med hurtig udbetaling, kort l\u00f8betid, og det optages uden sikkerhedsstillelse, typisk med et lavt l\u00e5nebel\u00f8b.<\/div><h4>Hvad betyder kreditvurdering?<\/h4><div class=\"faq_inner\"><p>Ved at s\u00f8ge efter dit personnummer kan virksomhederne vurdere, om det er en god id\u00e9 at l\u00e5ne dig penge, samt vurdere sandsynligheden for at f\u00e5 deres penge tilbage.<\/p>\n<p>Dette er pr\u00e6cis, hvad udbydere af kvikl\u00e5n g\u00f8r, n\u00e5r de foretager en kreditvurdering af dig.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Kvikl\u00e5n &#8211; find nye kvikl\u00e5n i Danmark hos Financer.dk Kvikl\u00e5n tilbydes af online l\u00e5ngivere og markedsf\u00f8res ofte som en m\u00e5de\u2026 <\/p>\n","protected":false},"author":16578,"featured_media":80677,"parent":2420,"menu_order":1,"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":[55],"tags":[7,712],"_links":{"self":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/821"}],"collection":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/users\/16578"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/comments?post=821"}],"version-history":[{"count":49,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/821\/revisions"}],"predecessor-version":[{"id":80889,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/821\/revisions\/80889"}],"up":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/2420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media\/80677"}],"wp:attachment":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media?parent=821"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/categories?post=821"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/tags?post=821"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}