{"id":364,"date":"2019-09-27T08:35:41","date_gmt":"2019-09-27T08:35:41","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=364"},"modified":"2022-04-27T10:13:54","modified_gmt":"2022-04-27T10:13:54","slug":"ferratum","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/recensionerna\/ferratum\/","title":{"rendered":"Ferratum"},"content":{"rendered":"\n<p>F\u00e5r det vara Snabbl\u00e5n, Blancol\u00e5n, SMSl\u00e5n eller Minil\u00e5n? Ferratum grundandes 2005 med huvudkontor i Helsingfors, men nuf\u00f6rtiden har bolaget verksamhet i 25 l\u00e4nder i Europa. Tack vare den snabba expanderingen har Ferratum blivit ett synonym till snabba l\u00e5n i olika former. Om du beh\u00f6ver pengar genast till ett of\u00f6rv\u00e4ntat behov s\u00e5 \u00e4r det Ferrratum som kan hj\u00e4lpa dig. Var dock noggrann n\u00e4r du tar l\u00e5n \u2013 r\u00e4ntan kan bli \u00f6verraskande h\u00f6g. L\u00e4s vidare f\u00f6r att se hela v\u00e5rt omd\u00f6me!<\/p>\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\">Omd\u00f6me om Ferratum 9\/2019<\/h2>\n\n\n\n<p>\u201dDet h\u00e4r \u00e4r en h\u00f6gkostnadskredit\u201d, st\u00e5r det p\u00e5 Ferratums framsida. Jag ville dock ha pengar genast p\u00e5 grund av en of\u00f6rv\u00e4ntad orsak, och d\u00e4rf\u00f6r v\u00e4nde jag mig till Ferratum.<\/p>\n\n\n\n<p>Jag matade in <a href=\"https:\/\/www.top5credits.com\/se\/lana-pengar\/lana-10000\/\">l\u00e5nesumman p\u00e5 10&nbsp;000 kronor<\/a> och klickade \u201dAns\u00f6k nu\u201d. P\u00e5 f\u00f6ljande sida blev jag visad en ber\u00e4kning som jag uppmuntrar att l\u00e4sa noggrant, eftersom Ferratum Credit avviker ganska mycket fr\u00e5n de s\u00e5 kallade vanliga l\u00e5n.<\/p>\n\n\n\n<p>Ferratum Credit \u00e4r n\u00e4mligen ett flexibelt l\u00e5n som du kan betala tillbaka i den takt som passar dig b\u00e4st. Den fungerar egentligen som ett kreditkort: du betalar tillbaka och g\u00f6r nya uttag inom din kreditgr\u00e4ns precis n\u00e4r du vill p\u00e5 ditt eget kreditkonto. Denna frihet kommer dock med en dyr prislapp, f\u00f6r den effektiva r\u00e4ntan p\u00e5 mitt l\u00e5n l\u00e4rde vara till och med 47,64 procent.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"185\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2019\/09\/ferratum-omdome.png?cdn=1.1.5\" alt=\"En sk\u00e4rmdump av Ferratums l\u00e5neans\u00f6kan\" class=\"wp-image-373\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2019\/09\/ferratum-omdome.png?cdn=1.1.5 500w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2019\/09\/ferratum-omdome-300x111.png?cdn=1.1.5 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><figcaption>Ferratum Credit \u00e4r en h\u00f6gkostnadskredit, som det st\u00e5r ocks\u00e5 i l\u00e5neans\u00f6kan.<\/figcaption><\/figure>\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>Du kan f\u00e5 l\u00e5n fr\u00e5n Ferratum exempelvis p\u00e5 s\u00e5dana h\u00e4r villkor:<\/strong><br>L\u00e5nebelopp: 10 000 kr<br>L\u00f6ptid: 4 &#8211; 46 m\u00e5n. (beroende p\u00e5 hur mycket du v\u00e4ljer betala)<br>Nominell r\u00e4nta: 39,6 %<br>Effektiv r\u00e4nta: 47,64 %<br>M\u00e5nadskostnad: 4 % av den utest\u00e5ende krediten eller 300 kr (beroende p\u00e5 vilket alternativ som blir h\u00f6gst)<br>Totalt belopp att betala: 12 145 kr (vid utnyttjad kredit i 12 m\u00e5n.)<\/p>\n\n\n\n\n\n\n<p>Efter att ha l\u00e4st detaljerna best\u00e4mde jag mig att inte skicka in ans\u00f6kan och hellre f\u00f6rst kolla n\u00e5gon annan l\u00e5neprodukt. I all \u00e4ran m\u00e5ste det konstateras att jag inte \u00e4r 100 procent s\u00e4ker om jag f\u00f6rstod hur mycket Ferratum Credit kommer att kosta. I alla fall, klickar du \u201dForts\u00e4tt\u201d vid det h\u00e4r skedet och din ans\u00f6kan blir godk\u00e4nd s\u00e5 f\u00e5r du pengarna betalt direkt till ditt konto, dvs. du f\u00e5r inte mer fundera om du vill acceptera erbjudandet eller inte.<\/p>\n\n\n\n<p>Det som f\u00f6rvirrade mig \u00e4nnu mer var de exempel som Ferratum har p\u00e5 webbsidorna. D\u00e4r p\u00e5st\u00e5s det att den effektiva r\u00e4ntan inte illustrerar Ferratum Credits pris p\u00e5 ett r\u00e4ttvist s\u00e4tt, eftersom l\u00e5neprodukten \u00e4r &#8221;lite som en taxi&#8221;: ett snabbare alternativ att ta sig fr\u00e5n plats A till B &#8211; men den kan inte anv\u00e4ndas varje dag. Som tur \u00e4r s\u00e5 finns det ocks\u00e5 taxibilar som \u00e4r billigare \u00e4n Ferratum!<\/p>\n\n\n\n<p>F\u00f6r den som vet att hen kan betala l\u00e5net tillbaka snabbt och dessutom beh\u00f6ver pengar mycket snabbt kan Ferratum vara ett bra alternativ. D\u00e5 g\u00e4ller det dock att ytterst noggrant l\u00e4sa igenom l\u00e5nevillkoren, eftersom Ferratum Credit \u00e4r en v\u00e4ldigt sv\u00e5rf\u00f6rst\u00e5elig l\u00e5neprodukt \u2013 \u00e4ven om det p\u00e5st\u00e5s det motsatta p\u00e5 webbsidorna.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vem kan f\u00e5 l\u00e5n fr\u00e5n Ferratum?<\/h3>\n\n\n\n<p>F\u00f6r att f\u00e5 l\u00e5n fr\u00e5n Ferratum m\u00e5ste du<\/p>\n\n\n\n<ul class=\"dm-list-check wp-block-list\"><li>vara minst 22 \u00e5r gammal<\/li><li>ha dekladerad inkomst<\/li><li>vara folkbokf\u00f6rd i Sverige<\/li><li>inte ha skuldsaldo hos Kronofogden.<\/li><\/ul>\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>Kontakt via chatt eller Facebook Messenger.<\/p>\n\n\n\n<p>(M\u00e5n. &#8211; fre.: 9 &#8211; 17)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">E-post<\/h3>\n\n\n\n<p>kundtjanst@ferratumbank.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\">Address<\/h3>\n\n\n\n<p>Ferratum Bank p.l.c.<br>ST Business Centre 120<br>The Strand, Gzira<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\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-1594120726013\"><strong class=\"schema-faq-question\">Hur mycket f\u00e5r jag l\u00e5na?<\/strong> <p class=\"schema-faq-answer\">L\u00e5na mellan 46 000 \u2013 300 000 kronor.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1594120781402\"><strong class=\"schema-faq-question\">Vad \u00e4r villkoren f\u00f6r att ans\u00f6ka om Ferratum Credit?<\/strong> <p class=\"schema-faq-answer\">\u00c5ldersgr\u00e4ns p\u00e5 22 \u00e5r\u00a0<br\/>Deklarerad inkomst\u00a0<br\/>Inget skuldsaldo hos Kronofogden\u00a0<br\/>Folkbokf\u00f6rd i Sverige\u00a0<\/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:80px\" 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>F\u00e5r det vara Snabbl\u00e5n, Blancol\u00e5n, SMSl\u00e5n eller Minil\u00e5n? Ferratum grundandes 2005 med huvudkontor i Helsingfors, men nuf\u00f6rtiden har bolaget verksamhet i 25 l\u00e4nder i Europa.<\/p>\n<p class=\"more-link\">Forts\u00e4tt l\u00e4sa <span class=\"screen-reader-text\">Ferratum<\/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-364","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>Ferratum L\u00e5n - Omd\u00f6me &amp; recension - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testade Ferratum - l\u00e4s v\u00e5r recension och omd\u00f6me. \u00c4r Ferratum bra eller d\u00e5ligt? 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