{"id":4781,"date":"2022-02-07T11:30:06","date_gmt":"2022-02-07T11:30:06","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=4781"},"modified":"2022-10-13T09:18:25","modified_gmt":"2022-10-13T09:18:25","slug":"enklare","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/recensionerna\/enklare\/","title":{"rendered":"Enklare"},"content":{"rendered":"\n<p>Enklare \u00e4r en av m\u00e5nga l\u00e5nef\u00f6rmedlare p\u00e5 den svenska marknaden som hj\u00e4lper privatpersoner att hitta det b\u00e4sta l\u00e5neerbjudandet.<\/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>Via Enklare kan du l\u00e5na mellan 5000 och 600 000 kr till vad du vill. Du kan ans\u00f6ka om ett privatl\u00e5n, bill\u00e5n eller ocks\u00e5 samla dina dyra l\u00e5n och krediter genom ett s\u00e5 kallat samlingsl\u00e5n. \u00c5terbetalningstiden \u00e4r mellan 1 och 20 \u00e5r. R\u00e4ntan s\u00e4tts efter den kreditupplysning som tas, men effektiva r\u00e4ntan kommer att landa n\u00e5gonstans mellan 3,01%-29,99%.<\/p><p> Det som skiljer den h\u00e4r verksamheten \u00e5t fr\u00e5n de vanliga bankerna \u00e4r att Enklare \u00e4r en s\u00e5 kallat l\u00e5nef\u00f6rmedlare. Det inneb\u00e4r att de inte l\u00e5nar ut pengar sj\u00e4lva, utan fungerar som en mellanhand mellan bankerna och den som ans\u00f6ker om l\u00e5n.<\/p><p>Sj\u00e4lva ans\u00f6kningsprocessen \u00e4r snabb och enkel och pengarna betalas ut direkt n\u00e4r du signerat skuldebrevet digitalt.<\/p><p>Ett privatl\u00e5n via den h\u00e4r f\u00f6rmedlaren skulle kunna passa dig som \u00e4r \u00f6ver 18 \u00e5r gammal och som kan uppvisa bevis p\u00e5 en fast \u00e5rsinkomst p\u00e5 minst 120 000 kr. I den h\u00e4r recensionen f\u00e5r du veta allt du beh\u00f6ver f\u00f6r att avg\u00f6ra om du vill ans\u00f6ka om l\u00e5n via den h\u00e4r f\u00f6rmedlaren. L\u00e4s vidare f\u00f6r att se hela v\u00e5rt omd\u00f6me om Enklare!<\/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 Enklare<\/h2>\n\n\n\n<p>Hos Enklare kan du ans\u00f6ka om privatl\u00e5n, bill\u00e5n och samlingsl\u00e5n f\u00f6r att f\u00e5 ditt befintliga l\u00e5n omfinansierat till en l\u00e4gre r\u00e4nta \u00e4n vad du har idag. Det betyder att du f\u00e5r en l\u00e4gre m\u00e5nadskostnad men utan att du f\u00e5r en l\u00e4ngre \u00e5terbetalningstid f\u00f6r den sakens skull &#8211; och du f\u00e5r mer pengar \u00f6ver i pl\u00e5nboken.<\/p>\n\n\n\n<p>Hos enklare kan du ans\u00f6ka p\u00e5 endast 2 minuter och f\u00f6retaget st\u00e5r verkligen f\u00f6r sitt namn! De har verkligen f\u00f6renklat processen. Deras maxbelopp f\u00f6r alla typer av l\u00e5n de erbjuder \u00e4r 600 000 kr. L\u00f6ptiden: 1 \u00e5r &#8211; 20 \u00e5r. Den effektiva r\u00e4ntan str\u00e4cker sig mellan 3.01 % och 29.99 % (uppdaterad februari 2022). <\/p>\n\n\n\n<p>F\u00f6r att bed\u00f6ma din ekonomiska historik och vilken r\u00e4nta du ska f\u00e5 g\u00f6rs en sedvanlig kreditupplysning. F\u00f6r att inte skada din kreditv\u00e4rdighet, g\u00f6rs endast en kreditupplysning som alla medverkande banker och l\u00e5ngivare delar p\u00e5. Besked p\u00e5 din ans\u00f6kan f\u00e5r du n\u00e4stan direkt.&nbsp;<\/p>\n\n\n\n<p>Kraven f\u00f6r att f\u00e5 ans\u00f6ka om l\u00e5n hos Enklare \u00e4r:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Att du \u00e4r minst 18 \u00e5r gammal<\/li><li>Har en inkomst p\u00e5 \u00f6ver 120 000 kr per \u00e5r<\/li><li>Att du \u00e4r folkbokf\u00f6rd i Sverige<\/li><li>Att du inte har n\u00e5gra skulder hos Kronofogden<\/li><\/ul>\n\n\n\n<p><strong>1.<\/strong> Starta med att surfa in p\u00e5 Enklare.se. Sedan finns det tv\u00e5 v\u00e4gar till att komma ig\u00e5ng. Du kan antingen b\u00f6rja j\u00e4mf\u00f6ra l\u00e5n p\u00e5 hemsidan genom ans\u00f6kningsformul\u00e4ret eller klicka p\u00e5 huvudmenyn och v\u00e4lja vilket typ av l\u00e5n du s\u00f6ker efter. <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"646\" src=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2022\/02\/Enklare-Hemsida-.jpg?cdn=1.1.5\" alt=\"Enklares Hemsida\" class=\"wp-image-4821\" srcset=\"https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2022\/02\/Enklare-Hemsida-.jpg?cdn=1.1.5 900w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2022\/02\/Enklare-Hemsida--300x215.jpg?cdn=1.1.5 300w, https:\/\/cdn.top5credits.com\/se\/wp-content\/uploads\/sites\/3\/2022\/02\/Enklare-Hemsida--768x551.jpg?cdn=1.1.5 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure><\/div>\n\n\n\n<p><strong>2. <\/strong>V\u00e4lj&nbsp;d\u00e4refter&nbsp;l\u00e5nebelopp och \u00e5terbetalningstid. Du f\u00e5r klicka p\u00e5 Ja eller Nej om det \u00e4r ett samlingsl\u00e5n det du \u00e4r efter. Ange&nbsp;en e-postadress och ett telefonnummer. <\/p>\n\n\n\n<p><strong>3. <\/strong>Ange personlig information s\u00e5som personnummer, kontaktuppgifter, civilst\u00e5nd, boendeform och anst\u00e4llningsform.<\/p>\n\n\n\n<p><strong>4. <\/strong>Nu kan du skicka din ans\u00f6kan helt kostnadsfritt. Besked och eventuellt erbjudande om r\u00e4nta kommer straxt d\u00e4refter.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u00e5neerbjudande<\/h3>\n\n\n\n<p>Jag hade flera sm\u00e5 l\u00e5n med v\u00e4ldigt h\u00f6g r\u00e4nta och ville ta ett l\u00e5n&nbsp;p\u00e5 65 000 kr f\u00f6r att betala allt direkt och d\u00e4rmed bara beh\u00f6va betala till en bank.  Jag&nbsp;hade h\u00f6rt fr\u00e5n en v\u00e4n om hur enkelt och snabbt det var att ans\u00f6ka via Enklare. <\/p>\n\n\n\n<p>Fick flera l\u00e5neerbjudanden efter en stund och till en mycket b\u00e4ttre r\u00e4nta. <\/p>\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<span id=\"erbjudande\" class=\"offset\"><\/span>\n\n\n\n<p class=\"paras-tarjous has-background\" style=\"background-color:#c7e7fb\"><strong>Ett l\u00e5n hos Enklare kan se ut till exempel s\u00e5 h\u00e4r:<\/strong><br>L\u00e5nebelopp: 350 000 kr\/12 \u00e5r<br>R\u00f6rlig r\u00e4nta: 6.69%<br>M\u00e5nadsbelopp: 3 568 kr<br>Aviavgift: 25 kr<br>Uppl\u00e4ggningsavgift: 0 kr<br>Totalt belopp: 513 879<br><br>Observera att detta \u00e4r endast ett exempel fr\u00e5n Enklares 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 upplevde ans\u00f6kningsprocessen som smidig och kort. Det var hur l\u00e4tt som helst. De har verkligen en trevlig sida och tyckte det var enkelt att navigera. Beh\u00f6ver du hj\u00e4lp via telefon, s\u00e5 kan du alltid l\u00e4tt n\u00e5 dem vardagar mellan 9.30 &#8211; 17.00. \u00d6ver f\u00f6rv\u00e4ntan. Snabbt, enkelt och seri\u00f6st. Utbetalt p\u00e5 48 timmar. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6rdelar med Enklare<\/h3>\n\n\n\n<p><strong>1. Snabb ans\u00f6kan med BankID<\/strong><\/p>\n\n\n\n<p>Det tar dig endast n\u00e5gra minuter att genomf\u00f6ra ans\u00f6kningsprocessen via deras hemsida.<\/p>\n\n\n\n<p><strong>2. Svar n\u00e4stan direkt<\/strong><\/p>\n\n\n\n<p>Beskedet kommer straxt efter att du skickat iv\u00e4g ans\u00f6kan.<\/p>\n\n\n\n<p><strong>3. Tillg\u00e4nglig kundtj\u00e4nst<\/strong><\/p>\n\n\n\n<p>Du kan n\u00e5 kundtj\u00e4nsten via epost och telefon. De har v\u00e4ldigt gener\u00f6sa \u00f6ppettider varje dag i veckan mellan kl. 9.30 och 17.00. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nackdelar med Enklare<\/h3>\n\n\n\n<p><strong>1. Inget livechatt p\u00e5 hemsidan<\/strong><\/p>\n\n\n\n<p>Tyv\u00e4rr saknar Enklare en livechatt, vilket nuf\u00f6rtiden \u00e4r vanligt bland banker och andra l\u00e5ngivare.<\/p>\n\n\n\n<p><strong>2. Bara ett urval samarbetspartners listade i hemsidan<\/strong><\/p>\n\n\n\n<p>Inte helt klart vilka banker och l\u00e5ngivare som Enklare samarbetar med. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">F\u00f6retaget bakom<\/h3>\n\n\n\n<p>Enklare \u00e4r en l\u00e5nef\u00f6rmedlare, vilket inneb\u00e4r att de sj\u00e4lva inte l\u00e5nar ut pengar, utan agerar mellanhand mellan dig som vill hitta det b\u00e4sta l\u00e5neerbjudandet p\u00e5 marknaden och olika banker och l\u00e5ngivare som de samarbetar med. Sedan 2014 har Enklare hj\u00e4lpt \u00f6ver 500.000 kunder att hitta b\u00e4sta l\u00e5nevillkor. Bolaget har tillst\u00e5nd av Finansinspektionen att bedriva konsumentkreditf\u00f6rmedling<\/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>0770 33 07 77<br><strong>\u00d6ppet: <\/strong><br>M\u00e5n &#8211; Fre, 09:30-17:00<br>L\u00f6rdag och s\u00f6ndag &#8211; St\u00e4ngt<\/p>\n\n\n\n<p><strong>E-post: <\/strong>kontakt@enklare.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>Skeppargatan 26<br>114 52 Stockholm<\/p>\n<\/div>\n<\/div>\n<\/div><\/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-1591787235202\"><strong class=\"schema-faq-question\">Vad \u00e4r r\u00e4ntan f\u00f6r ett samlingsl\u00e5n via Enklare?<\/strong> <p class=\"schema-faq-answer\">Det g\u00e5r inte att s\u00e4ga eftersom den s\u00e4tts individuellt utefter dina f\u00f6ruts\u00e4ttningar och historik.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1591787247148\"><strong class=\"schema-faq-question\">Vad finns det f\u00f6r villkor f\u00f6r att samla l\u00e5n?<\/strong> <p class=\"schema-faq-answer\">F\u00f6r samlingsl\u00e5n har olika l\u00e5ngivare och banker olika krav. Generellt kan man dock s\u00e4ga att\u00a0grundkraven brukar vara: minst 18 \u00e5r fyllda, vara folkbokf\u00f6rd i Sverige, inte har n\u00e5gra skulder hos Kronofogden och har en inkomst varje m\u00e5nad p\u00e5 minst 10 000 kr.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1591787261477\"><strong class=\"schema-faq-question\">Vad\u00a0inneb\u00e4r det att\u00a0samla l\u00e5n\u00a0och krediter?<\/strong> <p class=\"schema-faq-answer\">Det inneb\u00e4r att att du tar ett l\u00e5n f\u00f6r det sammanlagda summan av alla dina sm\u00e5 dyra l\u00e5n och betalar av dessa. D\u00e5 st\u00e5r du med ett enda l\u00e5n f\u00f6r vilket du betalar en l\u00e4gre r\u00e4nta. Du f\u00e5r dessutom en tydligare \u00f6verblick \u00f6ver din ekonomi. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1591787273564\"><strong class=\"schema-faq-question\">Vilka l\u00e5n kan jag samla?<\/strong> <p class=\"schema-faq-answer\">Du kan exempelvis samla privatl\u00e5n, blancol\u00e5n, mikrol\u00e5n, SMS-l\u00e5n, snabbl\u00e5n, kreditkortsskulder och avbetalningsk\u00f6p.  <\/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>Enklare \u00e4r en av m\u00e5nga l\u00e5nef\u00f6rmedlare p\u00e5 den svenska marknaden som hj\u00e4lper privatpersoner att hitta det b\u00e4sta l\u00e5neerbjudandet. L\u00e4s mer&#8230; Via Enklare kan du l\u00e5na<\/p>\n<p class=\"more-link\">Forts\u00e4tt l\u00e4sa <span class=\"screen-reader-text\">Enklare<\/span><\/p>\n","protected":false},"author":20,"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-4781","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>Enklare L\u00e5n - Omd\u00f6me &amp; recension - Top5Credits<\/title>\n<meta name=\"description\" content=\"Vi testade Enklare - l\u00e4s v\u00e5r recension och omd\u00f6me. \u00c4r Enklare bra eller d\u00e5ligt? 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