What Anyfin does

Anyfin AB is a Stockholm-headquartered, Finansinspektionen-supervised consumer fintech founded in 2017 by Mikael Hussain, Filip Polhem, and Sven Perkmann. The company operates an AI-driven direct-to-consumer refinancing platform that lets Nordic borrowers upload existing delbetalning, credit card, private loan, or car loan obligations and receive an automated, individually priced offer. The platform's underwriting engine ingests credit-bureau data (UC AB, Bisnode Kredit AB), open-banking account information (GoCardless), Swedish population register data (SPAR), and customer-uploaded invoice images, applies a proprietary scoring model to approve or decline and to set a tailored nominal rate within a 5.35%–19.90% band, and then automates pay-off of the prior lender. BankID-authenticated digital onboarding (with Fourthline-powered identity verification across Europe) closes the loop without paper-based processes. The product is monetised primarily through interest income on refinanced loans (representative example: SEK 43,000 at 13.65% nominal, 60 months), supplemented by insurance brokerage commission on Trygghetsförsäkring (underwritten by AXA Partners), net interest spread on the Sparkonto savings product, and ancillary engagement features including UC-kollen (free credit score) and Mina pengar (subscription management). Go-to-market is product-led, mobile-first (1.8M+ app downloads), distributed via localised websites and apps in Sweden, Finland, Norway, and Germany, and supported by content marketing (Anyfin blog, Anyfinrapporten annual survey with Kantar Sifo) and paid social. To date, Anyfin has improved the terms on over 1,000,000 loans and has raised approximately €106M (1.17B SEK) in cumulative venture funding, with a ~€30M Series C led by Northzone in January 2023 as the most recent material round.

Name

Anyfin

Legal name

Anyfin AB

Website

https://anyfin.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Anyfin is a Stockholm-based, Finansinspektionen-regulated fintech that uses an AI credit-scoring engine to refinance Swedish, Finnish, Norwegian, and German consumers' existing loans at individually priced lower rates via a direct-to-consumer mobile app.

Ownership category

akta.pro rank

Product category

Consumer Loan Refinancing

NAICS

Sales Financing (52222), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA)

akta.pro secondary industries

Underwriting Automation & Income/Employment Verification (FSAGAHAD), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Consumer loan refinancing
• Credit consolidation services
• AI credit scoring
• Personal finance app
• Consumer lending platform

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Interest income on refinanced loans: Primary revenue stream. Anyfin earns interest (nominal rate 5.35%–19.90%) on loans it issues to refinance customers' existing credits at delbetalningar, kreditkort, privatlån, and billån. Pricing is individualised via automated credit scoring. Recurring interest income over loan terms of 1–120 months.
2. Insurance brokerage commission (Trygghetsförsäkring): Anyfin acts as insurance broker for a group insurance product covering involuntary unemployment and sick leave, underwritten by AXA Partners. Earns brokerage/commission on monthly premiums paid by customers (premium scales with insured monthly amount, up to SEK 10,000).
3. Sparkonto (savings account) spread income: Variable-interest savings account product. Anyfin earns net interest spread between what it pays depositors and what it earns on the deployed funds.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Anyfin offers an AI-driven consumer loan refinancing service that consolidates and refinances existing delbetalningar, credit card balances, unsecured personal loans, and vehicle loans into a single Anyfin loan at an individualised interest rate. Customers apply via the Anyfin app or web by uploading invoices or auto-fetching loan data, after which Anyfin pays off the previous lender and migrates the loan. The offering is bundled with financial-wellness tools (UC-kollen credit score, Mina pengar subscription manager), a savings account (Sparkonto), and Trygghetsförsäkring income-protection insurance underwritten by AXA Partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Anyfin Refinansiering (Consumer loan refinancing) AI-driven consumer loan refinancing service that lets users consolidate and refinance existing loans, credit card debt, installment plans, and consumer loans at a lower individualised interest rate with no hidden fees. Anyfin pays off the previous lender, migrates the loan, and delivers a single monthly invoice managed through the Anyfin app. Available to residents of Sweden, Finland, Norway, and Germany.
• Trygghetsförsäkring (Income-protection insurance) Voluntary group insurance covering a chosen monthly amount (up to SEK 10,000) for up to 12 months in case of involuntary unemployment or sick leave (≥50%, >30 days) due to accident or illness, including mental health. Underwritten by AXA Partners; claims handled via AXA's CLP portal; fully managed in the Anyfin app.
• UC-kollen (Credit score view) Free in-app credit score service developed in partnership with UC (Upplysningscentralen) that lets Anyfin users view their UC credit score and credit information at no cost, without affecting their score.
• Mina pengar (Personal finance overview / Subscriptions) Personal-finance management widget inside the Anyfin app that gives an overview of where money goes, surfaces recurring costs, and lets users cancel subscriptions, streaming services, audiobook apps, gym memberships, and similar contracts directly in-app.
• Sparkontotjänsten (Savings account service) Variable-interest savings account service that allows customers to deposit and withdraw funds, with authentication and administration handled by Anyfin. Anyfin earns the net interest spread between what it pays depositors and what it earns on the deployed funds.
• Anyfin mobile app (iOS / Android) Native iOS and Android application (1.8M+ downloads as of 2026) that hosts the refinancing flow, payment plan management, autogiro setup, Trygghetsförsäkring, UC-kollen, Mina pengar, and in-app customer chat. Customers apply for refinancing by uploading invoice photos or letting the app auto-fetch loan data.
• Ränteräknare (Effective-interest calculator) Online calculator that takes a loan amount, nominal rate, term, monthly fee, and origination fee and computes the monthly payment and effective interest rate, helping users compare loan costs.

Quantifiable outcome

• Average effective interest reductions for new Swedish customers (Jun–Dec 2025): -32% credit card, -26% private loan, -24% instalment, -20% car loan
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability10 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• FourthlinecoreTechnology or Integration · 29 May 2026European identity services provider Fourthline supplies Anyfin with identity document verification, biometric authentication and qualified electronic signature services across its European markets, with German eID integration scheduled for later in 2026. The single-API integration supports Anyfin's continued European expansion and compliance.
• AXA Partners (AXA)flagshipStrategic or Co-development PartnerAXA Partners, part of the AXA Group (one of the world's largest insurance groups serving 103M customers in 57 countries), underwrites Anyfin's voluntary Trygghetsförsäkring group insurance product covering involuntary unemployment and sick leave (up to SEK 10,000/month for up to 12 months). Anyfin acts as insurance broker and distributes the product through its app, with claims handled via AXA's CLP portal.
• UC AB (Upplysningscentralen)flagshipTechnology or IntegrationLong-standing data partner for both credit decisions and the consumer-facing UC-kollen feature. Anyfin pulls UC credit information for its internal credit assessment, and together with UC has built UC-kollen — a free in-app credit score service for Anyfin customers.
• GoCardlesscoreTechnology or IntegrationGoCardless provides the account information service that Anyfin uses to pull bank account data via open banking — referenced in Anyfin's privacy policy with GoCardless' own privacy policy applying when customers use the service through Anyfin's channels.
• Klarna, Northmill Bank, Resurs Bank, Qliro, Bank Norwegian, Walley, Svea Ekonomi, Swedbank, Santander, Re:member, Plus1, Ferratum Bank, ICA Banken, Avarda, Avida Finans ABcoreChannel Partner/ Reseller/ DistributorListed on Anyfin's 'Välj din kreditgivare' (choose your current lender) screen, these are the consumer-credit providers whose loans Anyfin pays off and refinances. They form the supply side of Anyfin's loan consolidation flow.
• TrustpilotminorGTM or Marketing PartnerTrustpilot is Anyfin's third-party customer review platform; Anyfin invites customers to leave verified reviews via email and displays curated reviews on the website.

Scale indicators10 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Sambla Group: Stockholm-based parent of Sambla, Compricer and Lendo, the leading Swedish loan-comparison and refinancing platforms; competes head-on with Anyfin for the same refinancing customer in the Nordics.
• Compricer: Swedish personal-finance comparison site within the Sambla Group; directly comparable to Anyfin on loan refinancing and consolidation use cases for Swedish consumers.
• Lendo: Nordic loan-comparison and refinancing service (Sambla Group) operating in Sweden, Norway and Finland; overlaps with Anyfin on consumer-credit refinancing across the same three Nordic markets.
• Nordax Bank (NOBA): Nordic specialist consumer lender offering personal loans and refinancing across the Nordics, Germany and beyond; directly comparable business model of cross-border Nordic consumer-credit origination.
• Northmill Bank: Swedish challenger bank offering consumer loans, credit cards and savings via a mobile app; competes with Anyfin for the same Swedish consumer credit and refinancing demand.
• Bank Norwegian: Norwegian/Nordic consumer-finance lender (Norwegian Air Shuttle-related brand) offering credit cards and personal loans; comparable Nordic consumer-credit peer also listed by Anyfin among refinanced lenders.

Broad incumbents

• Resurs Bank: Nordic consumer-credit incumbent bank (cards, instalment, private loans) that Anyfin lists among the lenders it pays off; comparable as a broad Nordic consumer-finance incumbent.
• Klarna: Swedish BNPL/consumer-finance giant operating payments, credit and banking products across Europe; competes for the same consumer-credit wallet and is listed by Anyfin as one of its source lenders.

Regional players

• Instabank: Norwegian digital consumer bank offering unsecured personal loans and refinancing; comparable Norwegian-market peer as Anyfin expands in Norway.

Emerging players

• Bought: UK-based consumer-finance and insurance marketplace emerging in the European refinancing and consumer-credit brokerage space; thematically comparable as a digital-native refinancing/consumer-finance challenger.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCiDD0mUdMpUAoQkgASloLFw/videos
• Facebookfacebook.com/anyfin.se
• LinkedInlinkedin.com/company/anyfin
• Instagraminstagram.com/anyfin
• TikToktiktok.com/@anyfin

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds7 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Anyfin