Find the car you want – and finance it right away

With our car loan, you can buy a car already today, on good terms and with a favourable interest rate. 

Car loan with a favourable interest rate 

• The car is used as collateral 

• Good terms thanks to our size 

• Option to buy a car already today 

How does a car loan with residual value work? 

With a car loan that includes a residual value, you get a lower monthly cost. That’s because you don’t repay the car’s entire value during the loan term. Instead, part of the debt remains, corresponding to the car’s estimated residual value when the loan ends, most often after 36 months. At that point, you can choose to extend the loan, pay off what remains, or sell the car and repay the remaining amount that way. 

A car loan with residual value applies to cars that are no more than 10 years old and have a maximum of 200,000 km on the odometer. 

We’ll help you with your car loan 

Would you like to take out a car loan with or without a residual value – or do you have other questions about car loans? We’ll be happy to help you with a loan pre-approval even before the purchase, so everything is ready when the time comes.

Call us on +4610-167 30 82 and we’ll help you further*.

Calculate a car loan with residual value

Car price: 200,000 SEK
Residual value: 110,000 SEK (the car’s estimated value when the loan period ends)
Down payment: 60,000 SEK (30 percent of the car price)
Interest rate: 8.29%*
Repayment period: 36 months
Monthly cost: 1,704 SEK (incl. amortisation)

*The calculation is based on an example interest rate of 8.29%. Your actual interest rate depends, among other things, on the price of the vehicle and any optional extras, and will be calculated later.

The loan has an annual percentage rate (APR) of 9.41%, an arrangement fee of 588 SEK and an invoice fee of 60 SEK/month.

Borrowing costs money!

If you cannot repay the debt on time, you risk a payment notice. This can lead to difficulties in renting a home, taking out subscriptions and getting new loans. For support, contact the budget and debt counseling service in your municipality. Contact details can be found at konsumentverket.se.

*When you call in and provide your details, you consent to Kvdbil AB processing your personal data for a loan pre-approval application. No credit check is carried out when you submit your expression of interest. Kvdbil cooperates with DNB Finans, one of the leading Nordic players in banking, finance and insurance.