Valuation within 5 minutes
Free of charge and non-binding

Borrow Money Online with Ease and Security at Pantlån

Evaluate for free now

How it works

1. Evaluate

Få en preliminär värdering direkt. De flesta varor kan du värdera med vår AI-teknik online. I unika fall behöver du skicka in din vara till våra experter.

2. Skicka in din vara

Välj ett fraktsätt som passar dig. Upphämtning, express, lämna hos posten. Bara att välja. Oftast levereras din vara inom en arbetsdag till oss.

3. Get paid

Vi kontrollerar nu din vara och du får ditt erbjudande. Accepterar du ditt erbjudande får du pengarna utbetalda via swish inom 5 minuter.

What is Pantlån?

Pantlån is revolutionizing the way you borrow money online. We offer a fast and digitized loan process that allows you to borrow valuable possessions such as jewelry and watches, without a traditional credit check. You get an initial AI-based valuation of your item and then an accurate final valuation by our experts. The need for a personal visit to the pawn shop to apply for a loan is a thing of the past.

Unsecured loans vs. Pantlån

A Pantlån is a different type of loan than a traditional loan where anyone can borrow money. When you want to borrow money without collateral, you start a process that includes credit checks and loan comparisons that affect both your creditworthiness and your personal indebtedness.

Pantlån distinguishes itself by providing a loan option where your loan is secured by valuables, meaning you never risk getting into personal debt and with no impact on your credit rating. There's no need to compare multiple banks and lenders - with us, you get a tailored solution with simplicity in mind.

The process of Borrowing Money Through Pantlån

To borrow money through Pantlån , the process is straightforward. You start with our digital AI valuation, which gives you an accurate valuation of your items in minutes. In step two, the goods are sent to us. Then you use one of our several convenient shipping methods.

Once we receive the goods, they are carefully checked by our valuers who deliver your final valuation. Once you accept your valuation, we pay out the loan directly via Swish. This means your financial situation can be improved within a day, without the usual administrative hassles of banks and other lenders.

What is required to borrow?

When you borrow money through Pantlån , previous loans and credits do not matter. We only look at the value of your goods, the higher the value the bigger the loan. To be able to take out a loan with us, you must be at least 18 years old and registered in Sweden. To see how big a loan you can be granted, you can find out the value of your goods through our simple AI valuation.

Safety and security

Security is fundamental when you choose to borrow money. We make sure that your valuable items are insured throughout the process, from transportation to storage. Borrowing money online can be perceived as risky, but with Pawnbroker's digital precision and experienced appraisers, you can be sure that your items are handled with the utmost care and safety.

Why choose Pantlån?

With Pantlån you can access money quickly without affecting your credit rating. When you take a pantlån , you avoid a credit check from UC. Since we have your jewelry as collateral, you can get a loan regardless of your financial situation, this also usually gives you a lower interest rate than other options when borrowing without UC such as sms loans.

No need to compare loans, we offer an effective interest rate that is competitive and a valuation that is fair based on the value of your jewelry. Compared to applying to pantlån in the traditional way, Pantlån offers a loan process that is both high-tech and user-friendly, with no hidden fees or physical visits.

Read more about our other services

All our services are developed with your convenience in mind. Borrowing, selling and valuing should be fast, smooth and easy! 

Questions and answers

See our most frequently asked questions and answers. You can view all questions and answers here.

Can I get my goods back if I do not accept my valuation?

Of course, our values are never binding. Return shipping is free of charge if you do not accept the loan offer.

After how long will you pay out my loan?

Från det att vi mottagit din produkt får du oftast din värdering inom 24 timmar, när du accepterat din slutvärdering har du pengarna på kontot inom 5 minuter.

Which loan period can I choose?

Our loans are set up for 3 months at a time, you can easily extend or redeem your loan during the loan period in logged-in mode. The loan is automatically extended when you pay the interest.

What happens if I cannot repay my loan on time?

Don't worry, we understand that sometimes things can get complicated. If your loan expires and for some reason you cannot pay it back, we will first send you a reminder. If payment continues to be missed, your items will be sold at auction. It is important to note that if your items are sold for a higher amount than your loan plus interest, we will automatically pay the surplus to you. This way, you can be sure that you will always get the value your items deserve, even if you cannot repay the loan on time.

Do you do a UC or credit check on me as a customer?

No, that is one of the advantages. A pantlån does not require a credit check or regular income.

Which items can I submit?

Du kan skicka in klockor, smycken, guld, silver och mindre föremål av andra ädelmetaller. Det går dessutom att värdera, sälja och belåna på fordon.

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