{"id":1106,"date":"2020-06-05T10:29:53","date_gmt":"2020-06-05T10:29:53","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=1106"},"modified":"2023-10-11T11:26:28","modified_gmt":"2023-10-11T11:26:28","slug":"payex","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/recensionerna\/payex\/","title":{"rendered":"PayEx"},"content":{"rendered":"\n<p>PayEx tillh\u00f6r koncernen PayEx Group som grundades p\u00e5 Gotland redan 1972. H\u00e4r kan du snabbt och enkelt ans\u00f6ka om ett privatl\u00e5n p\u00e5 mellan 10 000 kronor \u2013 100 000 kronor utan att l\u00e4mna s\u00e4kerhet och du kan anv\u00e4nda pengarna till vad du vill. L\u00e5net g\u00e5r att betala tillbaka under 2-10 \u00e5r och du f\u00e5r en r\u00e4nta som ligger mellan 9,9%-12,9%.<\/p>\n\n\n\n<h5 class=\"luelisaanappi hidden-header\" style=\"border: none;text-transform: none\"><span class=\"show-more\">L\u00e4s mer&#8230;<\/span><\/h5>\n<div class=\"luelisaateksti\">\n<p>Du ans\u00f6ker online i n\u00e5gra korta steg och f\u00e5r beskedet n\u00e4stan direkt. Skuldebrevet signerar du antingen elektroniskt via BankID eller genom att handlingarna skickas till din folkbokf\u00f6ringsadress. Du m\u00e5ste ha ett konto hos Swedbank f\u00f6r att kunna f\u00e5 l\u00e5net utbetalt men utbetalningen g\u00e5r snabbt.<\/p><p>Detta l\u00e5n kan passa dig som \u00e4r \u00f6ver 20 \u00e5r gammal och som har en \u00e5rsinkomst p\u00e5 120 000 kronor. Men du kan inte ha betalningsanm\u00e4rkningar om du vill ans\u00f6ka. L\u00e4s vidare f\u00f6r att se hela v\u00e5rt omd\u00f6me!<\/p>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div id=\"recension\" class=\"wp-block-group arvostelu\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Recension av PayEx<\/h2>\n\n\n\n<p>Att l\u00e5na pengar online ska helst inte vara kr\u00e5ngligt och sv\u00e5rt om bankerna vill ha n\u00e5gra kunder, och hos PayEx \u00e4r det inte s\u00e4rskilt sv\u00e5rt att skicka in en ans\u00f6kan. Ha ditt BankID redo f\u00f6r att signera allt innan du skickar in s\u00e5 kommer du att f\u00e5 svar inom kort till din mejl. Det g\u00e5r att ans\u00f6ka om att l\u00e5na mellan <a href=\"https:\/\/www.top5credits.com\/se\/lana-pengar\/lana-10000\/\">10 000 kronor<\/a> och 100 000 kronor vilket \u00e4r ganska mycket l\u00e4gre \u00e4n vad m\u00e5nga andra banker erbjuder sina kunder. R\u00e4ntan har satts till 9,9%-12,9% och kommer att best\u00e4mmas f\u00f6r dig personligen efter att banken gjort sin sedvanliga kreditpr\u00f6vning. Det g\u00e5r att betala av skulden under 2-10 \u00e5r. F\u00f6r att f\u00e5 skicka in en l\u00e5neans\u00f6kan till PayEx m\u00e5ste du uppfylla f\u00f6ljande krav:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Privatperson som \u00e4r minst 20 \u00e5r gammal<\/li>\n\n\n\n<li>Folkbokf\u00f6rd i Sverige<\/li>\n\n\n\n<li>\u00c5rsinkomst p\u00e5 minst 120 000 kronor<\/li>\n\n\n\n<li>Godk\u00e4nd kreditpr\u00f6vning<\/li>\n\n\n\n<li>Inga betalningsanm\u00e4rkningar<\/li>\n<\/ul>\n\n\n\n<p><strong>1. <\/strong>PayEx jobbar inte bara med l\u00e5n utan \u00e4ven med andra produkter som fakturering och sparande till exempel. Detta g\u00f6r att deras sajt har en m\u00e4ngd information om viktiga saker som m\u00e5ste s\u00e5llas i om det bara \u00e4r privatl\u00e5n du ska ans\u00f6ka om. Det \u00e4r n\u00e4mligen inte den produkten som f\u00e5tt mest fokus hos den h\u00e4r banken.<\/p>\n\n\n\n<p>F\u00f6r att komma till l\u00e5neans\u00f6kan f\u00f6r privatl\u00e5n m\u00e5ste du f\u00f6rst klicka p\u00e5 den hamburgermeny som finns uppe i det h\u00f6gra h\u00f6rnet p\u00e5 sidan. D\u00e4r v\u00e4ljer du kategorin \u201dSpara och L\u00e5na\u201d. N\u00e4sta steg \u00e4r att klicka p\u00e5 en bl\u00e5 knappen somheter \u201dAns\u00f6k om privatl\u00e5n\u201d. Nu hamnar du p\u00e5 den sida d\u00e4r allt handlar om just privatl\u00e5net \u2013 lite som en helt egen sajt.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1195\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana.jpg?cdn=1.1.5\" alt=\"PayEx L\u00e5na\" class=\"wp-image-1111\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana.jpg?cdn=1.1.5 1200w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-300x300.jpg?cdn=1.1.5 300w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-150x150.jpg?cdn=1.1.5 150w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-768x765.jpg?cdn=1.1.5 768w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-100x100.jpg?cdn=1.1.5 100w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>2. <\/strong>Klicka nu p\u00e5 \u201dAns\u00f6kan\u201d f\u00f6r att komma direkt till ans\u00f6kningsprocessen som \u00e4r uppdelad i n\u00e5gra korta steg. Innan du b\u00f6rjar kan du leka lite med den l\u00e5nekalkylator som finns h\u00f6gst upp, och r\u00e4kna p\u00e5 hur ditt l\u00e5n skulle kunna se ut om det blir beviljat. Men kom ih\u00e5g att detta endast \u00e4r ett exempel. Det f\u00f6rsta banken sedan vill att du anger om du vill g\u00e5 vidare \u00e4r hur mycket du vill l\u00e5na och under hur l\u00e5ng tid du vill betala av beloppet. Sedan fyller du i ditt personnummer som de automatiskt kan h\u00e4mta din adress med via sajten. Klicka nu p\u00e5 \u201dAns\u00f6k online\u201d och du kommer till n\u00e4sta steg.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"973\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-ansokan.jpg?cdn=1.1.5\" alt=\"Ans\u00f6k om PayEx L\u00e5na\" class=\"wp-image-1112\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-ansokan.jpg?cdn=1.1.5 1200w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-ansokan-300x243.jpg?cdn=1.1.5 300w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/payexlana-ansokan-768x623.jpg?cdn=1.1.5 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>3. <\/strong>Nu ska du fylla i dina personliga uppgifter som m\u00e5nadsinkomst, boendekostnad och boendeform samt civilst\u00e5nd med mera. I det sista steget signerar du din ans\u00f6kan med ditt BankID och en kreditupplysning kommer att tas. Beskedet kommer n\u00e4stan direkt till din e-post om du blir beviljad och kan d\u00e4r signera ditt skuldebrev digitalt och f\u00e5 pengarna utbetalt inom 1-2 dagar! Du kan \u00e4ven v\u00e4lja att f\u00e5 skuldebrevet hemskickat via posten, men d\u00e5 m\u00e5ste du r\u00e4kna med att hela processen med utbetalningen tar mycket l\u00e4ngre tid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u00e5neerbjudande<\/h3>\n\n\n\n<p>N\u00e4r det var dags att fylla 30 anordnade jag en stor fest f\u00f6r hela min familj och alla mina v\u00e4nner. Det kalaset var dock inte gratis och jag blev tvungen att l\u00e5na pengar f\u00f6r att kunna genomf\u00f6ra min plan. Jag ans\u00f6kte om ett <a href=\"https:\/\/www.top5credits.com\/se\/privatlan\/\">privatl\u00e5n<\/a> p\u00e5 <a href=\"https:\/\/www.top5credits.com\/se\/lana-pengar\/lana-20000\/\">20 000 kronor<\/a> fr\u00e5n PayEx eftersom jag tyckte de verkade ha en ganska snabb ans\u00f6kningsprocess och bra r\u00e4nta.<\/p>\n\n\n\n<p>Jag valde att betala av l\u00e5net under 2 \u00e5r och fick l\u00e5net beviljat p\u00e5 en g\u00e5ng. Inom n\u00e5gon minut hade jag f\u00e5tt ett erbjudande om en r\u00e4nta p\u00e5 10% till min mejl och jag accepterade det, signerade mina l\u00e5nehandlingar digitalt direkt och fick in pengarna redan n\u00e4sta dag p\u00e5 kontot eftersom jag redan har <a href=\"https:\/\/www.top5credits.com\/se\/recensionerna\/privatlanen\/swedbank\/\">Swedbank<\/a> vilket \u00e4r den bank de anv\u00e4nder sig av vid utbetalning.<\/p>\n\n\n\n<span id=\"erbjudande\" class=\"offset\"><\/span>\n\n\n\n<p class=\"paras-tarjous has-background\" style=\"background-color:#c7e7fb\"><strong>Ett privatl\u00e5n via PayEx kan se ut till exempel s\u00e5 h\u00e4r:<\/strong><br>L\u00e5nebelopp: 80 000 kr\/8 \u00e5r<br>Effektiv r\u00e4nta: 12,71%<br>M\u00e5nadsbelopp: 1 296 kr<br>Avgifter: 0 kr<br>Uppl\u00e4ggningsavgift: 349 kr<br>Totalt belopp: 124 749 kr<br>Observera att detta \u00e4r endast ett exempel fr\u00e5n PayEx hemsida och en sedvanlig kreditpr\u00f6vning m\u00e5ste g\u00f6ras innan alla kostnader kan fastst\u00e4llas.<\/p>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\">Anv\u00e4ndarv\u00e4nlighet<\/h3>\n\n\n\n<p>\u00c4ven om PayEx \u00e4r en smidig online bank s\u00e5 upplevde jag ans\u00f6kningsprocessen som lite sv\u00e5r att komma ig\u00e5ng med n\u00e4r jag v\u00e4l satt d\u00e4r. Det berodde p\u00e5 att det inte var helt sj\u00e4lvklart var jag skulle klicka f\u00f6r att komma dit jag ville p\u00e5 sajten. Dessutom fick jag problem med scrollningen i vissa l\u00e4gen men inte p\u00e5 sj\u00e4lva Privatl\u00e5nsidan, d\u00e4r k\u00e4nns allt mycket b\u00e4ttre n\u00e4r man v\u00e4l kommer dit.<\/p>\n\n\n\n<p>D\u00e4r finns allt den information du beh\u00f6ver och kan i lugn och ro l\u00e4sa igenom hur det hela fungerar. N\u00e4r jag v\u00e4l kom ig\u00e5ng med att fylla i min l\u00e5neans\u00f6kan gick allt sedan v\u00e4ldigt bra och smidigt och den var klar under ett par minuter. Jag tyckte det var en smart l\u00f6sning att signera ans\u00f6kan och skuldebrevet med BankID, men det \u00e4r de inte ensamma om att g\u00f6ra i den h\u00e4r branschen utan n\u00e4stan var och varannan bank erbjuder en snabb ans\u00f6kan online p\u00e5 ett eller annat s\u00e4tt och med hj\u00e4lp av smarta digitala tj\u00e4nster.<\/p>\n\n\n\n<p>Jag skickade iv\u00e4g ett mejl till PayEx kundtj\u00e4nst f\u00f6r att st\u00e4lla n\u00e5gra fr\u00e5gor om deras process innan jag k\u00f6rde ig\u00e5ng, och jag fick svar inom ett dygn vilket k\u00e4nns helt okej. Det g\u00e5r \u00e4ven att ringa supporten mellan kl 9-17 alla vardagar och f\u00e5 snabb service den v\u00e4gen.<\/p>\n\n\n\n<p>Det finns inget l\u00e5neskydd att teckna hos den h\u00e4r banken, vilket jag saknade eftersom jag \u00e4r en orolig sj\u00e4l som vill s\u00e4kra upp min framtid p\u00e5 olika s\u00e4tt vilket en s\u00e5dan typ av f\u00f6rs\u00e4kring hade fixat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6rdelar med PayEx<\/h3>\n\n\n\n<p><strong>1. Snabb ans\u00f6kan<\/strong><\/p>\n\n\n\n<p>Fyll i din l\u00e5neans\u00f6kan online snabbt och smidigt och signera med BankID.<\/p>\n\n\n\n<p><strong>2. Normal r\u00e4nta<\/strong><\/p>\n\n\n\n<p>M\u00e5nga onlinebanker har en ganska h\u00f6g r\u00e4nta \u00e4ven om de inte skyltar med det. PayEx har en ganska normal h\u00f6gsta r\u00e4nta som liknar mer de svenska storbankerna.<\/p>\n\n\n\n<p><strong>3. Utbetalning inom 1-2 dagar<\/strong><\/p>\n\n\n\n<p>N\u00e4r du signerat dina l\u00e5nehandlingar med BankID:t betalas pengarna ut inom 1-2 dagar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nackdelar med PayEx<\/h3>\n\n\n\n<p><strong>1. Lite kr\u00e5ngligt att hitta till ans\u00f6kan<\/strong><\/p>\n\n\n\n<p>M\u00e5nga klicka f\u00f6r att komma till r\u00e4tt plats.<\/p>\n\n\n\n<p><strong>2. Inget l\u00e5neskydd<\/strong><\/p>\n\n\n\n<p>Banken erbjuder tyv\u00e4rr ingen m\u00f6jlighet att teckna l\u00e5neskydd som \u00e4r en f\u00f6rs\u00e4kring f\u00f6r ditt l\u00e5n om du inte kan betala p\u00e5 grund av sjukdom eller liknande.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6retaget bakom<\/h3>\n\n\n\n<p>PayEx finns i fyra nordiska l\u00e4nder och de arbetar med l\u00e5n, sparande, betall\u00f6sningar f\u00f6r e-handel och en hel del annat. Banken st\u00e5r under tillsyn av Finansinspektionen och har tillst\u00e5nd att ge kredit till den svenska befolkningen.<\/p>\n\n\n\n\n\n\n<div class=\"wp-block-columns has-2-columns yhteysaspa is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Kundservice<\/h3>\n\n\n\n<p><strong>Tel: <\/strong>0498 \u2013 20 23 30,<br><strong>\u00d6ppet: <\/strong>vardagar 9-17<\/p>\n\n\n\n<p><strong>E-post: <\/strong>lana@payex.com<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Adress<\/h3>\n\n\n\n<p><strong>Postadress:<\/strong><\/p>\n\n\n\n<p>PayEx L\u00e5na,<br>Team Credit Accounts,<br>621 88 Visby<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ<\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1579173779987\"><strong class=\"schema-faq-question\"><strong>Vad \u00e4r r\u00e4ntan f\u00f6r ett privatl\u00e5n hos PayEx?<\/strong><\/strong> <p class=\"schema-faq-answer\">9,9%-12,9%, <a href=\"https:\/\/www.top5credits.com\/se\/recensionerna\/payex\/#erbjudande\">klicka h\u00e4r<\/a> f\u00f6r att se v\u00e5rt r\u00e4nteerbjudande.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1579173781267\"><strong class=\"schema-faq-question\"><strong>Hur snabbt betalar banken ut l\u00e5net?<\/strong><\/strong> <p class=\"schema-faq-answer\">Direkt n\u00e4r det \u00e4r beviljat och du signerat dina handlingar, till ditt Swedbankkonto.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1579173781764\"><strong class=\"schema-faq-question\"><strong>M\u00e5ste jag signera mitt skuldebrev med BankID?<\/strong><\/strong> <p class=\"schema-faq-answer\">Nej, men det \u00e4r snabbaste v\u00e4gen. Du kan \u00e4ven f\u00e5 handlingarna hemskickade via posten.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1579173782296\"><strong class=\"schema-faq-question\"><strong>Kan jag ans\u00f6ka om jag har betalningsanm\u00e4rkning?<\/strong><\/strong> <p class=\"schema-faq-answer\">Nej tyv\u00e4rr, det \u00e4r ett av deras grundkrav att du inte har n\u00e5gra anm\u00e4rkningar eller skulder hos Kronofogden.<\/p> <\/div> <\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>PayEx tillh\u00f6r koncernen PayEx Group som grundades p\u00e5 Gotland redan 1972. H\u00e4r kan du snabbt och enkelt ans\u00f6ka om ett privatl\u00e5n p\u00e5 mellan 10 000<\/p>\n<p class=\"more-link\">Forts\u00e4tt l\u00e4sa <span class=\"screen-reader-text\">PayEx<\/span><\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-arvostelu.php","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1106","post","type-post","status-publish","format-standard","hentry","category-recensionerna","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PayEx L\u00e5n - Omd\u00f6me &amp; recension - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testade PayEx - l\u00e4s v\u00e5r recension och omd\u00f6me. \u00c4r PayEx bra eller d\u00e5ligt? 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