An unsecured loan means that the person taking the loan doesn’t need to back it with fixed assets in order to borrow the money. The low interest rate is between 3.93% and 11.43% and your rate is set according to an individual credit rating. If you borrow e.g. SEK 350,000 over a period of 10 years at a rate of 6.13%, the effective rate will be 6.50% including start-up and statement fees. If you choose to pay the loan by autogiro (direct debit), you won’t be charged a statement fee.