{"id":395,"date":"2019-09-27T13:53:39","date_gmt":"2019-09-27T13:53:39","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=395"},"modified":"2022-04-13T12:03:50","modified_gmt":"2022-04-13T12:03:50","slug":"zmarta","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/recensionerna\/zmarta\/","title":{"rendered":"Zmarta"},"content":{"rendered":"\n<p>Visst \u00e4r det sk\u00f6nt n\u00e4r n\u00e5gon g\u00f6r jobbet \u00e5t dig s\u00e5 att du slipper sitta och leta igenom hela n\u00e4tet efter en bank som kan l\u00e5na dig snabba pengar n\u00e4r det beh\u00f6vs?<\/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>Zmarta \u00e4r en nordisk j\u00e4mf\u00f6ringstj\u00e4nst och l\u00e5nef\u00f6rmedlare som etablerade sig redan 1999, och som jobbar med privatl\u00e5n men ocks\u00e5 med el-avtal och f\u00f6rs\u00e4kringar. Zmarta j\u00e4mf\u00f6r cirka 30 olika banker och ger dig det b\u00e4sta l\u00e5neerbjudandet du kan f\u00e5 via en smart onlinetj\u00e4nst. Det \u00e4r upp till dig vilket erbjudande du tycker att du vill acceptera, men ans\u00f6kan \u00e4r inte bindande.<\/p><p>Du kan l\u00e5na mellan 5 000 \u2013 600 000 kronor utan s\u00e4kerhet och till en r\u00e4nta som pendlar mellan 2,99 %-34,36 %. \u00c5terbetalningstiden du har att v\u00e4lja p\u00e5 h\u00e4r \u00e4r 1-20 \u00e5r beroende p\u00e5 bank. Ans\u00f6kningsprocessen \u00e4r extremt kort och enkel och \u00e4ven utbetalning g\u00e5r snabbt om signering sker via BankID.<\/p><p>Ett l\u00e5n via den h\u00e4r akt\u00f6ren kan passa dig om du \u00e4r \u00f6ver 18 \u00e5r gammal och tj\u00e4nar minst 100 000 kronor om \u00e5ret. En gammal betalningsanm\u00e4rkning beh\u00f6ver inte vara ett hinder, men d\u00e4remot kan du inte ha n\u00e5gon aktiv skuld hos Kronofogden.<\/p><p>F\u00f6r att l\u00e4ra dig mer om den h\u00e4r \u201dZmarta\u201d j\u00e4mf\u00f6ringstj\u00e4nsten och hur en l\u00e5neans\u00f6kan g\u00e5r till, ska du l\u00e4sa vidare och 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 Zmarta<\/h2>\n\n\n\n<p>Ans\u00f6kan f\u00f6r privatl\u00e5n \u00e4r hur enkel som helst att ta sig igenom eftersom allt sker i ett enda steg egentligen. Du beh\u00f6ver ha ditt BankID till hands eftersom du signerar din ans\u00f6kan med det, och i de flesta fall \u00e4ven ditt skuldebrev om du blir beviljad ett l\u00e5n.<\/p>\n\n\n\n<p>Du kan ans\u00f6ka om att l\u00e5na mellan <a href=\"https:\/\/www.top5credits.com\/se\/lana-pengar\/lana-5000\/\">5 000<\/a> \u2013 600 000 kronor utan s\u00e4kerhet och till en r\u00e4nta som s\u00e4tts individuellt men som kan hamna p\u00e5 allt mellan 2,99 % och 34,36 % och en \u00e5terbetalningstid p\u00e5 mellan 1-20 \u00e5r. Du kan dock inte v\u00e4lja antal \u00e5r sj\u00e4lv i din ans\u00f6kan.<\/p>\n\n\n\n<p>Efter att du signerat alltihop digitalt tar det bara n\u00e5gon minut innan de f\u00f6rsta erbjudanden b\u00f6rjar dyka upp i din mejl \u2013 om du inte blir nekad vill s\u00e4ga. Zmarta har n\u00e5gra grundkrav p\u00e5 sina s\u00f6kanden som du hittar h\u00e4r:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Du m\u00e5ste vara 18 \u00e5r fyllda<\/li><li>Ha en \u00e5rsinkomst p\u00e5 minst 100 000 kr<\/li><li>Inga skulder hos Kronofogden<\/li><\/ul>\n\n\n\n<p><strong>1.<\/strong> N\u00e4r du f\u00f6rst kommer till startsidan kan det k\u00e4nnas lite \u00f6verm\u00e4ktigt eftersom det finsn mycket information och allt handlar inte bara om l\u00e5n. Men f\u00f6r att snabbt ta dig till sektionen f\u00f6r privatl\u00e5n kan du anv\u00e4nda dig av kalkylatorn du ser d\u00e4r direkt. St\u00e4ll in belopp och se vad din m\u00e5nadskostnad skulle kunna hamna p\u00e5. Detta \u00e4r dock endast ett exempel. F\u00f6r att komma till sj\u00e4lva ans\u00f6kan klickar du p\u00e5 knappen \u201dj\u00e4mf\u00f6r nu\u201d, varp\u00e5 en ny sektion dyker upp d\u00e4r du ska fylla i lite uppgifter.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1175\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta.jpg?cdn=1.1.5\" alt=\"Zmarta\" class=\"wp-image-1432\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta.jpg?cdn=1.1.5 1200w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta-300x294.jpg?cdn=1.1.5 300w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta-768x752.jpg?cdn=1.1.5 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>2. <\/strong>Du ska fylla i ditt personnummer, e-mejladress, anst\u00e4llningsform, mobiltelefon, antal barn och civilst\u00e5nd. Om du vill l\u00e4gga till en meds\u00f6kande g\u00f6r du det sist. F\u00f6r att skicka iv\u00e4g det hela klickar du nu p\u00e5 knappen \u201dj\u00e4mf\u00f6r nu\u201d varp\u00e5 du ska signera alltihop med ditt BankID.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1139\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta-privatlaan.jpg?cdn=1.1.5\" alt=\"Zmarta l\u00e5na pengar\" class=\"wp-image-1433\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta-privatlaan.jpg?cdn=1.1.5 1200w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta-privatlaan-300x285.jpg?cdn=1.1.5 300w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2020\/02\/zmarta-privatlaan-768x729.jpg?cdn=1.1.5 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p><strong>3. <\/strong>Nu dr\u00f6jer det inte m\u00e5nga minuter innan du f\u00e5r ett besked till din mejl. Om det \u00e4r positivt kommer det inom kort att b\u00f6rja dyka upp erbjudanden fr\u00e5n de olika 30 bankerna, som f\u00e5tt ta del av dina uppgifter och ans\u00f6kan.<\/p>\n\n\n\n<p><strong>4. <\/strong>V\u00e4lj det erbjudande du tycker verkar b\u00e4st och ta inte bara f\u00f6rsta b\u00e4sta. T\u00e4nk p\u00e5 hur r\u00e4ntan ser ut. N\u00e4r du valt ska du signera ditt skuldebrev digitalt med BankID via den l\u00e4nk du f\u00e5tt. Inom cirka 1-2 dagar har du sedan pengarna p\u00e5 kontot, beroende p\u00e5 bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u00e5neerbjudande<\/h3>\n\n\n\n<p>Jag v\u00e4nde mig till Zmarta n\u00e4r jag beh\u00f6vde <a href=\"https:\/\/www.top5credits.com\/se\/lana-pengar\/\">l\u00e5na pengar<\/a> till min och min mans br\u00f6llop. Detta eftersom vi l\u00e4st oss till att de arbetar med 30 olika banker och har en snabb och smidig process.&nbsp; Vi ans\u00f6kte om att f\u00e5 l\u00e5na 100 000 kronor.<\/p>\n\n\n\n<p>Efter en kort och enkel ans\u00f6kan online via deras hemsida, blev vi godk\u00e4nda direkt och b\u00f6rjade f\u00e5 in olika erbjudanden i v\u00e5r mejlbox. Vi valde ett erbjudande d\u00e4r vi fick en r\u00e4nta p\u00e5 4,23 % och signerade skuldebrevet direkt via BankID. Tv\u00e5 dagar senare hade vi f\u00e5tt pengarna.<\/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 Zmarta kan se ut till exempel s\u00e5 h\u00e4r:<\/strong><br>L\u00e5nebelopp: 175 000 kr\/6 \u00e5r<br>Effektiv r\u00e4nta: 5,77 %<br>M\u00e5nadsbelopp: 2 881 kr<br>Avgifter: 0 kr<br>Uppl\u00e4ggningsavgift: 0 kr<br>Totalt belopp: 207 403 kr<br><br>Observera att detta \u00e4r endast ett exempel fr\u00e5n Zmarta:s 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>Jag tyckte verkligen att Zmarta levde upp till sitt goda rykte. Hela processen fr\u00e5n start till slut gick v\u00e4ldigt bra och fl\u00f6t p\u00e5 utan hinder. Kanske jag blev n\u00e5got f\u00f6rvirrad av den h\u00e4r kombinationen av l\u00e5n\/elavtal\/f\u00f6rs\u00e4krings-j\u00e4mf\u00f6ringstj\u00e4nst, men efter en stund fanns inga fr\u00e5getecken kvar direkt. Eftersom vi var intresserade av <a href=\"https:\/\/www.top5credits.com\/se\/privatlan\/\">privatl\u00e5n<\/a> s\u00e5 gick vi direkt dit och f\u00f6ljde bara stegen. Totalt tog ans\u00f6kan inte mer \u00e4n 1 minut f\u00f6r oss, vilket \u00e4r v\u00e4ldigt snabbt!<\/p>\n\n\n\n<p>Vi beh\u00f6vde heller inte sitta och v\u00e4nta p\u00e5 pengarna speciellt l\u00e4nge \u2013 tv\u00e5 dagar efter signering av l\u00e5nehandlingarna s\u00e5 d\u00f6k pengarna upp p\u00e5 kontot och vi kunde b\u00f6rja planera ordentligt inf\u00f6r br\u00f6llopet.<\/p>\n\n\n\n<p>Designen p\u00e5 hemsidan \u00e4r det inget fel p\u00e5, utan fungerar bra s\u00e5 l\u00e4nge du f\u00f6rst\u00e5r uppl\u00e4gget p\u00e5 tj\u00e4nsten. Kom ih\u00e5g att detta inte \u00e4r en bank i sig, utan en f\u00f6rmedlare.<\/p>\n\n\n\n<p>N\u00e5got som b\u00e5de jag och min man tyckte var v\u00e4ldigt smidigt och ovanligt i banksammanhang \u00e4r att Zmarta har en live-chatt i sin kundtj\u00e4nst, d\u00e4r du kan f\u00e5 snabba svar p\u00e5 fr\u00e5gor du b\u00e4r p\u00e5. Det \u00e4r faktiskt ganska ovanligt f\u00f6rekommande med live-chatt f\u00f6r banker, men v\u00e4ldigt uppskattat! Mejl och telefon finns ocks\u00e5 tillg\u00e4ngligt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6rdelar med Zmarta<\/h3>\n\n\n\n<p><strong>1. Enkel och snabb ans\u00f6kningsprocess<\/strong><\/p>\n\n\n\n<p>Ans\u00f6kningsprocessen best\u00e5r av bara ett enda formul\u00e4r som du fyller i online och signerar med BankID.<\/p>\n\n\n\n<p><strong>2. Besked direkt<\/strong><\/p>\n\n\n\n<p>Beskedet f\u00e5r du direkt till din mejl.<\/p>\n\n\n\n<p><strong>3. J\u00e4mf\u00f6r 35 olika banker<\/strong><\/p>\n\n\n\n<p>Zmarta samarbetar med 35 olika banker som alla f\u00e5r din ans\u00f6kan samtidigt.<\/p>\n\n\n\n<p><strong>4. Betalningsanm\u00e4rkning beh\u00f6ver inte s\u00e4tta stopp f\u00f6r dig<\/strong><\/p>\n\n\n\n<p>Du kan inte skicka in en ans\u00f6kan om du har en aktiv skuld hos Kronofogden, men en betalningsanm\u00e4rkning \u00e4r inte alltid ett hinder.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nackdelar med Zmarta<\/h3>\n\n\n\n<p><strong>1. Konceptet kan k\u00e4nnas f\u00f6rvirrande i b\u00f6rjan<\/strong><\/p>\n\n\n\n<p>N\u00e4r du f\u00f6rst landar p\u00e5 sidan \u00e4r det inte helt sj\u00e4lvklart vad det \u00e4r f\u00f6r typ av tj\u00e4nst.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6retaget bakom<\/h3>\n\n\n\n<p>Zmarta \u00e4gs av Zmarta Group som grundades redan \u00e5r 1999. De finns idag i b\u00e5de Sverige, Norge och Finland och \u00e4r allts\u00e5 en j\u00e4mf\u00f6relsesajt d\u00e4r du privatpersoner och f\u00f6retag kan hitta de b\u00e4sta l\u00f6sningarna f\u00f6r sin ekonomi.<\/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>0771-47 48 49<br>( vardagar 8-17 )<\/p>\n\n\n\n<p>Live-chatt: 8-17<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">E-post<\/h3>\n\n\n\n<p>info@zmarta.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>En del av Freedom Finance Kreditservice AB<\/p>\n\n\n\n<p>Box 1068,<br>Polisgatan 4,<br>262 21 \u00c4ngelholm<\/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-1582112431507\"><strong class=\"schema-faq-question\"><strong>Vad \u00e4r r\u00e4ntan f\u00f6r ett privatl\u00e5n hos Zmarta?<\/strong><\/strong> <p class=\"schema-faq-answer\">2,99 % upp till 29,99 %, <a href=\"https:\/\/www.top5credits.com\/se\/recensionerna\/zmarta\/#erbjudande\">klicka h\u00e4r<\/a> f\u00f6r att se v\u00e5rt r\u00e4nteerbjudande.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1582112432885\"><strong class=\"schema-faq-question\"><strong>Hur m\u00e5nga banker f\u00e5r ta del av min ans\u00f6kan?<\/strong><\/strong> <p class=\"schema-faq-answer\">35 olika banker.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1582112433503\"><strong class=\"schema-faq-question\"><strong>Hur m\u00e5nga kreditupplysningar tas p\u00e5 mig?<\/strong><\/strong> <p class=\"schema-faq-answer\">Endast en.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1582112434077\"><strong class=\"schema-faq-question\"><strong>Hur snabbt betalas pengarna ut?<\/strong><\/strong> <p class=\"schema-faq-answer\">Vanligtvis inom 1-2 dagar efter att du signerat skuldebrevet.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1594121178549\"><strong class=\"schema-faq-question\">Hur mycket kan jag l\u00e5na?<\/strong> <p class=\"schema-faq-answer\">L\u00e5na mellan 5 000 \u2013 600 000 kronor.<\/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>Visst \u00e4r det sk\u00f6nt n\u00e4r n\u00e5gon g\u00f6r jobbet \u00e5t dig s\u00e5 att du slipper sitta och leta igenom hela n\u00e4tet efter en bank som kan<\/p>\n<p class=\"more-link\">Forts\u00e4tt l\u00e4sa <span class=\"screen-reader-text\">Zmarta<\/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":[20,4],"tags":[],"class_list":["post-395","post","type-post","status-publish","format-standard","hentry","category-privatlanen","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>Zmarta L\u00e5n - Omd\u00f6me &amp; recension - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testade Zmarta - l\u00e4s v\u00e5r recension och omd\u00f6me. \u00c4r Zmarta bra eller d\u00e5ligt? 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