{"id":1341,"date":"2020-04-27T06:21:12","date_gmt":"2020-04-27T06:21:12","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=1341"},"modified":"2022-04-14T12:46:53","modified_gmt":"2022-04-14T12:46:53","slug":"byax","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/recensionerna\/byax\/","title":{"rendered":"BYAX"},"content":{"rendered":"\n<p>Om du vill att det ska vara enkelt och smidigt att l\u00e5na pengar kan du v\u00e4nda dig till en relativt ny l\u00e5ngivare p\u00e5 den svenska marknaden \u2013 BYAX. De vill utmana alla de andra nishbankerna p\u00e5 marknaden genom att erbjuda en \u00e4nnu snabbare ans\u00f6kningsprocess \u00e4n m\u00e5nga andra akt\u00f6rer.<\/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 smidigt via deras hemsida genom att bland annat anv\u00e4nda ditt BankID. Pengarna har du p\u00e5 kontot inom 1-2 dagar efter signering av skuldebrevet digitalt. H\u00e4r kan du ans\u00f6ka om att l\u00e5na mellan 25 000 kronor upp till 100 000 kronor till en effektiv r\u00e4nta p\u00e5 10,03%-26,79% och en avbetalningstid p\u00e5 1-10 \u00e5r.<\/p><p>Den h\u00e4r nishbanken kan vara ett bra alternativ f\u00f6r dig som fyllt 20 \u00e5r, har en m\u00e5nadsinkomst p\u00e5 minst 12 500 kronor och som ej har n\u00e5gra skulder hos Kronofogden eller betalningsanm\u00e4rkningar. I den h\u00e4r recensionen kommer jag att ber\u00e4tta om min upplevelse av att l\u00e5na via BYAX, och vad jag tyckte var bra och mindre bra. L\u00e4s vidare f\u00f6r att se hela mitt 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 BYAX<\/h2>\n\n\n\n<p>N\u00e4r du fyller i en l\u00e5neans\u00f6kan hos den h\u00e4r banken tar det inte m\u00e5nga minuter innan allt \u00e4r klart och du f\u00e5tt ditt besked. Du anv\u00e4nder BYAX hemsida f\u00f6r att genomf\u00f6ra alla steg i processen och det hela \u00e4r mycket enkelt och okomplicerat \u00e4ven f\u00f6r dig som kanske inte \u00e4r s\u00e5 van vid att ans\u00f6ka om l\u00e5n p\u00e5 n\u00e4tet. Du beh\u00f6ver ditt BankID f\u00f6r att signera ans\u00f6kan och dina eventuella l\u00e5nehandlingar, direkt online.<\/p>\n\n\n\n<p>Du kan ans\u00f6ka om att l\u00e5na mellan 25 000 \u2013 100 000 kronor utan s\u00e4kerhet och du f\u00e5r en effektiv r\u00e4nta p\u00e5 10,03%-26,79%. All r\u00e4ntes\u00e4ttning \u00e4r individuell och best\u00e4ms av dina f\u00f6ruts\u00e4ttningar. Du kan \u00e4ven v\u00e4lja att betala av l\u00e5net under 1-10 \u00e5r \u2013 valet \u00e4r ditt! Men vilka krav finns det d\u00e5 fr\u00e5n banken f\u00f6r att du ska f\u00e5 skicka in en ans\u00f6kan? Se nedan:<\/p>\n\n\n\n<ul class=\"dm-list-check wp-block-list\"><li>Du m\u00e5ste vara minst 20 \u00e5r gammal<\/li><li>Du m\u00e5ste ha en m\u00e5nadsinkomst p\u00e5 minst 12 500 kronor<\/li><li>Du f\u00e5r ej ha en skuld hos Kronofogden eller<\/li><li>Du f\u00e5r ej ha betalningsanm\u00e4rkningar<\/li><li>Du m\u00e5ste vara folkbokf\u00f6rd i Sverige<\/li><\/ul>\n\n\n\n<p><strong>1.<\/strong> N\u00e4r du landat p\u00e5 BYAX startsida ska du f\u00f6rst klicka p\u00e5 kategorin \u201dPrivatl\u00e5n\u201d i huvudmenyn. De \u00e4r inga problem att hitta eftersom den h\u00e4r banken endast har <em>en <\/em>produkt. F\u00f6r att komma ig\u00e5ng med ans\u00f6kan beh\u00f6ver du klicka p\u00e5 den bl\u00e5 knappen \u201dStarta ans\u00f6kan\u201d.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1889\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan.jpg?cdn=1.1.5\" alt=\"BYAX Privatl\u00e5n\" class=\"wp-image-1350\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan.jpg?cdn=1.1.5 1200w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-191x300.jpg?cdn=1.1.5 191w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-762x1200.jpg?cdn=1.1.5 762w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-768x1209.jpg?cdn=1.1.5 768w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-976x1536.jpg?cdn=1.1.5 976w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>2. <\/strong>P\u00e5 det f\u00f6rsta steget ska du nu fylla i hur mycket du \u00f6nskar l\u00e5na och under hur l\u00e5ng tid du vill betala tillbaka skulden. P\u00e5 en g\u00e5ng ser du vilket m\u00e5nadsbelopp du kommer att f\u00e5 om l\u00e5net blir beviljat. Om du inte vill g\u00e5 vidare b\u00f6r du avbryta h\u00e4r. Annars klickar du bara p\u00e5 \u201dN\u00e4sta\u201d f\u00f6r att komma till n\u00e4sta steg.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1008\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok.jpg?cdn=1.1.5\" alt=\"BYAX Privatl\u00e5n Ans\u00f6k\" class=\"wp-image-1351\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok.jpg?cdn=1.1.5 1200w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok-300x252.jpg?cdn=1.1.5 300w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok-768x645.jpg?cdn=1.1.5 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>3. <\/strong>Steg 2 handlar om att du ska identifiera dig sj\u00e4lva med hj\u00e4lp av ditt BankID samt uppge mejladress och mobilnummer. Men oroa dig inte, ingen kreditupplysning tas f\u00f6rr\u00e4n du skickat in din ans\u00f6kan. \u00d6ppna din BankID app eller dosa och verifiera dig sj\u00e4lv f\u00f6r att komma vidare till sista steget.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"991\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok-2.jpg?cdn=1.1.5\" alt=\"BYAX\" class=\"wp-image-1352\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok-2.jpg?cdn=1.1.5 1200w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok-2-300x248.jpg?cdn=1.1.5 300w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/01\/byax-privatlan-ansok-2-768x634.jpg?cdn=1.1.5 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>4. <\/strong>P\u00e5 det sista steget ska du fylla i en del personliga uppgifter s\u00e5som anst\u00e4llning och boendeform innan du slutligen skickar in din ans\u00f6kan och en kreditupplysning tas. Beskedet kommer med en g\u00e5ng p\u00e5 sk\u00e4rmen och d\u00e4r kan du \u00e4ven signera dina l\u00e5nehandlingar digitalt med BankID om du vill acceptera erbjudandet du f\u00e5tt. Pengarna betalas ut 1-2 dagar efter signering.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u00e5neerbjudande<\/h3>\n\n\n\n<p>Jag valde att ans\u00f6ka om ett <a href=\"https:\/\/www.top5credits.com\/se\/privatlan\/\">privatl\u00e5n <\/a>hos BYAX n\u00e4r jag beh\u00f6vde laga min bil akut. Anledningen till att jag valde dem var f\u00f6r att kraven passade mig och f\u00f6r att deras l\u00e5neprocess verkade s\u00e5 enkel. Jag ans\u00f6kte om att l\u00e5na 25 000 kronor under 1 \u00e5r och blev beviljad direkt till den fasta r\u00e4ntan p\u00e5 16,33%.<\/p>\n\n\n\n<p>Jag tyckte det k\u00e4ndes okej och accepterade erbjudandet genom att fylla i mitt kontonummer och signera alla handlingar med mitt BankID. Sedan tog det tv\u00e5 dagar innan jag hade pengarna p\u00e5 bankkonto och kunde laga bilen.<\/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 BYAX kan se ut till exempel s\u00e5 h\u00e4r:<\/strong><br>L\u00e5nebelopp: 50 000 kr\/6 \u00e5r<br>Effektiv r\u00e4nta: 16,33%<br>M\u00e5nadsbelopp: 1 057 kr<br>Avgifter: 0 kr\/autogiro<br>Uppl\u00e4ggningsavgift: 395 kr<br>Totalt belopp: 76 517 kr<br><em>Observera att detta \u00e4r endast ett exempel fr\u00e5n BYAX:s hemsida och en sedvanlig kreditpr\u00f6vning m\u00e5ste g\u00f6ras innan alla kostnader kan fastst\u00e4llas.<\/em><\/p>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\">Anv\u00e4ndarv\u00e4nlighet<\/h3>\n\n\n\n<p>N\u00e5got jag verkligen uppskattade med mitt privatl\u00e5n via BYAX var att jag reda fr\u00e5n b\u00f6rjan visste vilken r\u00e4nta jag skulle f\u00e5 oavsett min bakgrund, samt att hela ans\u00f6kningsprocessen gick s\u00e5 snabbt! Tack vare mitt BankID kunde jag b\u00e5de signera ans\u00f6kan och mina l\u00e5nehandlingar direkt online utan v\u00e4ntetider.<\/p>\n\n\n\n<p>Dessutom tycker jag att det var l\u00e4tt att f\u00f6rst\u00e5 uppl\u00e4gget de har och f\u00f6lja stegen utan att tappa bort sig eller inte f\u00f6rst\u00e5 vad som h\u00e4nder. Hemsidan \u00e4r ren och enkel och g\u00e5r i vita och bl\u00e5 toner som \u00e4r behagliga att vila \u00f6gonen p\u00e5.<\/p>\n\n\n\n<p>Jag tycker ocks\u00e5 att deras kundsupport sk\u00f6tte sig v\u00e4ldigt bra n\u00e4r jag skickade iv\u00e4g ett mejl till dem n\u00e5gra dagar innan jag ans\u00f6kte. Jag fick svar inom n\u00e5gra timmar av en kunnig och trevlig kundtj\u00e4nstmedarbetare.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Betalningsfri m\u00e5nad<\/h3>\n\n\n\n<p>N\u00e5got som \u00e4r positivt \u00e4r ocks\u00e5 att du kan anv\u00e4nda dig av tv\u00e5 stycken betalningsfria m\u00e5nader under den tid du betalar av l\u00e5net, dock inte direkt efter varandra och du m\u00e5ste \u00e4ven ha sk\u00f6tt dina fyra f\u00f6rsta betalningar felfritt. Detta \u00e4r n\u00e5got som jag definitivt kommer att anv\u00e4nda mig av om det beh\u00f6vs n\u00e5gon m\u00e5nad. Men kom ih\u00e5g att kostnaden f\u00f6r den m\u00e5naden f\u00f6rdelas ut \u00f6ver resterande m\u00e5nader, s\u00e5 du blir inte av med den kostnaden i l\u00e4ngden. Men \u00e4nd\u00e5 sk\u00f6nt som en trygghet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6rdelar med BYAX<\/h3>\n\n\n\n<p><strong>1. L\u00e4tt att ans\u00f6ka digitalt<\/strong><\/p>\n\n\n\n<p>Ans\u00f6kningsprocessen best\u00e5r av tre enkla steg som du genomf\u00f6r online med hj\u00e4lp av ditt BankID.<\/p>\n\n\n\n<p><strong>2. Snabbt besked<\/strong><\/p>\n\n\n\n<p>Beskedet kommer omedelbart p\u00e5 sk\u00e4rmen.<\/p>\n\n\n\n<p><strong>3. M\u00f6jlighet till tv\u00e5 betalningsfria m\u00e5nader<\/strong><\/p>\n\n\n\n<p>Tv\u00e5 betalningsfria m\u00e5nader s\u00e5 l\u00e4nge du sk\u00f6tt dina \u00f6vriga inbetalningar.<\/p>\n\n\n\n<p><strong>4. Fast r\u00e4nta<\/strong><\/p>\n\n\n\n<p>Kan uppfattas som b\u00e5de negativt och positivt med en fast r\u00e4nta. N\u00e4r det g\u00e4ller den positiva aspekten s\u00e5 \u00e4r det att du vet vad du f\u00e5r och att alla f\u00e5r samma.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nackdelar med BYAX<\/h3>\n\n\n\n<p><strong>1. Fast r\u00e4nta<\/strong><\/p>\n\n\n\n<p>Nackdelen med en fast r\u00e4nta \u00e4r att det inte spelar n\u00e5gon roll hur din kreditv\u00e4rdighet ser ut, du f\u00e5r \u00e4nd\u00e5 samma r\u00e4nta som alla andra och kan inte p\u00e5verka p\u00e5 n\u00e5got s\u00e4tt f\u00f6r att s\u00e4nka den och f\u00e5 ett b\u00e4ttre erbjudande.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6retaget bakom<\/h3>\n\n\n\n<p>BYAX vision \u00e4r att erbjuda marknaden ett enklare och schysstare s\u00e4tt att <a href=\"https:\/\/www.top5credits.com\/se\/lana-pengar\/\">l\u00e5na pengar<\/a> p\u00e5. De \u00e4r relativt nya p\u00e5 marknaden och \u00e4r sugna p\u00e5 att utmana alla de andra snabba nishbankerna online. Du kan k\u00e4nna dig trygg h\u00e4r eftersom verksamheten \u00e4r godk\u00e4nd av den svenska Finansinspektionen, men ocks\u00e5 under tillsyn av Konsumentverket.<\/p>\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>010 \u2013 585 05 00<\/p>\n\n\n\n<p><strong>\u00d6ppet: <\/strong>vardagar mellan 9-16, lunchst\u00e4ngt mellan 12-13.<\/p>\n\n\n\n<p><strong>E-post: <\/strong>info@byax.se<\/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>BYAX AB,<br>Larsfridsv\u00e4gen 9,<br>302 50 Halmstad<\/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-1580379521974\"><strong class=\"schema-faq-question\"><strong>Vad \u00e4r r\u00e4ntan f\u00f6r ett privatl\u00e5n hos Byax?<\/strong><\/strong> <p class=\"schema-faq-answer\">R\u00e4ntan \u00e4r r\u00f6rlig och kan variera fr\u00e5n 9,50% till 23,00%. Den effektiva r\u00e4ntan kan variera fr\u00e5n 10,03% till 26,79%.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1580379522909\"><strong class=\"schema-faq-question\"><strong>N\u00e4r f\u00e5r jag pengarna?<\/strong><\/strong> <p class=\"schema-faq-answer\">Du f\u00e5r pengarna ubetalda inom 1-2 dagar efter att du signerat l\u00e5nehandlingarna online.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1580379523395\"><strong class=\"schema-faq-question\"><strong>Hur mycket kan jag l\u00e5na?<\/strong><\/strong> <p class=\"schema-faq-answer\">Mellan 25 000 \u2013 100 000 kronor.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1580379524023\"><strong class=\"schema-faq-question\"><strong>M\u00e5ste jag ha BankID?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ja, det m\u00e5ste du ha b\u00e5de till att signera ans\u00f6kan samt dina l\u00e5nehandlingar.<\/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: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>Om du vill att det ska vara enkelt och smidigt att l\u00e5na pengar kan du v\u00e4nda dig till en relativt ny l\u00e5ngivare p\u00e5 den svenska<\/p>\n<p class=\"more-link\">Forts\u00e4tt l\u00e4sa <span class=\"screen-reader-text\">BYAX<\/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-1341","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>BYAX L\u00e5n - L\u00e4s v\u00e5rt omd\u00f6me - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testade BYAX - l\u00e4s v\u00e5r recension och omd\u00f6me. \u00c4r BYAX bra eller d\u00e5ligt? 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