Lendo
Lendo is Sweden's largest loan comparison marketplace, founded in 2007, allowing consumers and SMBs to receive offers from up to 40 banks via a single credit check across Sweden, Norway, and Denmark.
- Company typePrivate
- Founded2007
- HeadquartersStockholm, Sweden
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Lendo does
Lendo AB is a Stockholm-based financial marketplace that operates Sweden's largest loan comparison service, founded in 2007 and operating across Sweden, Norway, and Denmark as part of Lendo Group (Vend Marketplaces ASA, with the group transitioning into Clar in 2026). The platform allows consumers to complete a single application and credit check via UC and receive offers from up to 40 partner banks and lenders, eliminating the credit-score damage typically caused by applying to multiple lenders separately. Core products are personal loans (Privatlån) up to 800,000 SEK, business loans (Företagslån) up to 5 million SEK, and mortgages (Bolån), supplemented by debt consolidation, car/boat loans, insurance brokerage, and the Kreddy mobile app for credit score tracking and property valuation.
Lendo's technology stack centers on Go microservices, React with TypeScript, Kubernetes and Docker orchestration, RabbitMQ for messaging, PostgreSQL for data, CI/CD pipelines, and GCP cloud infrastructure, supporting automated profiling, lender matching, and ML-driven decisioning trained on de-identified historical application data. The platform integrates with 60+ banks across loan products and with operational tooling including Braze, Hotjar, Optimizely, Zisson, Trapets (AML), and standard paid acquisition channels (Google Ads, Microsoft Ads, Facebook). Distribution is digital-first and self-serve via lendo.se and the Kreddy app, with phone-based customer service as a mid-funnel support layer and a financial education blog driving top-of-funnel SEO.
Lendo earns revenue through marketplace commissions paid by partner lenders on completed loan originations; the service is free and non-binding for consumers. Customer segments are predominantly individual Swedish consumers seeking personal loans, debt consolidation, or mortgages, with a secondary segment of small business owners seeking business loans and credit facilities. Headcount is approximately 130 professionals based at the Kungsbrohuset headquarters in central Stockholm.
Lendo firmographics
Firmographics- Name
- Lendo
- Legal name
- Lendo AB
- Website
- https://lendo.se
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Lendo is Sweden's largest loan comparison marketplace, founded in 2007, allowing consumers and SMBs to receive offers from up to 40 banks via a single credit check across Sweden, Norway, and Denmark.
- Ownership category
- akta.pro rank
Lendo industry classification
Industry- Product category
- Loan Comparison & Financial Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Loan Syndication & Participation Platforms (FSAKAHAL)
- akta.pro secondary industries
- P2P Debt Consolidation & Refinancing (FSAKAHAB), Personal Loan Refinance (Rate/Term) (FSAKAIAB)
Keywords
Where Lendo is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Lendo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Loan Origination Commission: Lendo acts as a loan broker/marketplace, earning commission from banks and lenders when users successfully complete loan applications through the platform. Lendo charges fees to the lenders, not the consumers - no extra costs for customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Consumer loan comparison service - free |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Lendo product offering
Product offeringCore offering
Lendo operates Sweden's largest loan comparison marketplace, allowing consumers to submit a single application and receive loan offers from up to 40 partnered banks and lenders through just one UC credit check. The platform covers personal loans (up to 800,000 SEK), business loans (up to 5 million SEK), and mortgage loans, with debt consolidation and insurance add-ons. Lendo is free for consumers and earns commission from partner lenders when loans are completed.
Product overview
Lendo operates as Sweden's largest financial marketplace comparison platform connecting borrowers with over 40 partnered banks and lenders. The core platform consists of three main product lines: Privatlån (personal loans up to 800,000 SEK), Företagslån (business loans up to 5 million SEK), and Bolån (mortgage loans). The platform's key differentiator is enabling users to receive multiple loan offers with only a single UC credit check. Supporting products include loan consolidation (Samla lån), car loans (Billån), boat loans (Båtlån), and various insurance products (Trygghetsförsäkring, Olycksfallsförsäkring, Låneskydd). The digital ecosystem includes the Kreddy mobile app for personal finance management with credit score tracking and property valuation features, Mitt Kreditbetyg for UC credit monitoring, and a financial education blog. The company also offers comparison tools like the Lånekalkylatorn (loan calculator) and Bolåneräntor (mortgage rate comparison). Lendo is supervised by Finansinspektionen and operates as part of Lendo Group.
Differentiator
Problem solved
Functional benefit
Brands
- Kreddy: Mobile app for personal finance management including credit score monitoring, loan tracking, property valuation, and financial insights
- MyPages
Products and services
- Privatlån (Personal Loans) Loan comparison service allowing consumers to compare offers from up to 40 lenders for personal loans up to 800,000 SEK using a single UC credit check. Free for consumers; repayment terms 1-15 years, interest 4.95%-23%.
- Företagslån (Business Loans) Comparison service for business loans up to 5 million SEK enabling small business owners, sole proprietors, trading companies, and limited companies to compare loans, lenders, rates, and terms through a single credit application.
- Bolån (Mortgage Loans) Mortgage comparison service allowing users to compare housing loan offers, move existing mortgages, or extend current mortgage agreements through partnered lenders including a mortgage rate comparison tool.
- Samla lån (Debt Consolidation) Loan consolidation service that combines multiple small loans and credits into a single personal loan, potentially lowering interest rates and monthly costs.
- Billån (Car Loans) Car financing service through Lendo's partner network, allowing loans up to 100% of the vehicle's value.
- Blancolån (Unsecured Loans) Unsecured personal loans without collateral, compared across up to 40 banking and lending partners.
- Kreddy App Mobile application for managing personal finances, featuring credit score tracking, loan and credit overview, push notifications for rate changes, and real-time property value updates including the Din Bostad feature for property valuation.
- Trygghetsförsäkring (Security Insurance) Insurance product mediated through Lendo in partnership with Gjensidige Forsikring ASA for loan protection.
- Olycksfallsförsäkring (Accident Insurance) Accident insurance product mediated through Lendo in partnership with Gjensidige Forsikring ASA.
- Låneskydd (Loan Protection) Loan protection insurance that forwards details to the lender where the loan was taken through Lendo.
Quantifiable outcome
- Up to 40 loan offers with single application
- +3 more outcomes
Companies that use Lendo
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Lendo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration21 records
AI capability2 records
Feature4 records
Lendo partnerships and signals
Strategic signalPartnerships
33 partnerships are on record, tiered core, minor and flagship.
- Avida FinanscorePartner lender on private loan comparison platform, offering personal loan products to consumers applying through Lendo
- Bank NorwegiancorePartner lender offering personal loan products through Lendo's comparison platform
- BingminorAdvertising partner for search engine marketing campaigns
- BrixocorePartner lender on the Lendo platform
- BrocccorePartner lender offering personal loans through Lendo's platform
- Collective / Vend MarketplaceflagshipParent company structure - Lendo is part of Lendo Group which is part of Vend Marketplace ASA, connecting Nordic loan marketplace operations
- Collector BankcorePartner bank offering personal loans through Lendo comparison service
- CompricerflagshipPart of Lendo Group family - Swedish price comparison service for financial products
- FairlocorePartner lender on Lendo's private loan platform
- FacebookminorSocial media advertising platform for targeted marketing campaigns
- FerratumcorePartner lender offering personal loans through Lendo
- Gjensidige ForsikringcoreInsurance partner for Lendo's Trygghetsförsäkring (security insurance) and Olycksfallsförsäkring (accident insurance) products
- GoodCashcorePartner lender on Lendo's loan comparison platform
- GoogleminorAdvertising platform partner for Google Ads and marketing campaigns
- ICA BankencorePartner bank offering personal loan products through Lendo
- Ikano BankcorePartner bank offering personal loans through Lendo comparison service
- InstabankcorePartner lender on the Lendo platform
- LunarcorePartner lender (digital bank) offering personal loans through Lendo
- MontocorePartnership announced December 2023 to simplify matching between lenders and small business owners on the business loan platform
- MoankcorePartner lender on Lendo's platform
- Morrow BankcorePartner lender offering personal loans through Lendo
- MybankerflagshipPart of Lendo Group family - Danish personal finance comparison service
- Northmill BankcorePartner lender on the Lendo platform
- Real AIminorPartner for property valuation lead generation in Kreddy app - connects users with real estate agents for property valuations
- Re:membercorePartner lender offering personal loans through Lendo
- Resurs BankcorePartner bank offering personal loan products through Lendo
- RisicumcorePartner lender on the Lendo platform
- SaldocorePartner lender on Lendo's private loan platform
- SantandercoreMajor partner bank offering personal loans through Lendo comparison service
- Svea BankcorePartner bank offering personal loans and mortgage products through Lendo
- TF BankcorePartner lender on Lendo's platform
- Thorn PrivatlåncorePartner lender offering personal loans through Lendo
- TryggkreditcorePartner lender on Lendo's platform
Scale indicators4 records
Recent moves13 records
Expansion highlights6 records
Lendo competitors and assessment
Company assessmentDirect peers
- Zmarta: Nordic loan and financial product comparison service operating in Sweden, Norway, and Finland; offers the same core personal loan and mortgage comparison experience as Lendo to overlapping Nordic consumer segments.
- Financer.com: Nordic and EU-focused loan comparison platform covering Sweden, Denmark, Norway and Finland; directly competes in the same unsecured personal loan comparison vertical as Lendo.
- Compricer: Sister brand under Lendo Group offering Swedish comparison services for financial products including loans; comparable offering, customer base, and marketplace model, even though it sits within the same group.
- Mybanker: Danish personal finance comparison service, sister company to Lendo via Lendo Group; directly comparable loan-comparison marketplace model serving the Danish consumer market.
- Sambla: Swedish loan comparison marketplace directly competing with Lendo across personal loans, refinancing, and mortgage comparison for the same Swedish consumer base with a similar multi-lender broker model.
Broad incumbents
- MoneySupermarket: UK financial price comparison platform covering loans, mortgages, and credit; broadly comparable marketplace business model, though operating at much larger scale and in a different geography.
- LendingTree: Largest US-based loan comparison marketplace operating across personal, mortgage, and SMB credit; the closest large-scale international analogue to Lendo's multi-lender broker model.
Others
- ICA Banken: Swedish retail bank that is both a partner lender on Lendo's platform and a direct provider of personal loans; comparable as a Swedish consumer credit provider and channel partner rather than a broker.
Regional players
- Axo Finans: Norwegian loan comparison marketplace directly comparable in business model and product (multi-lender personal loan broker), primarily serving Norway rather than Lendo's main Swedish market.
Emerging players
- LendMe AB (formerly Savelend): Swedish fintech operating a P2P/marketplace lending and comparison platform for consumer credit; overlapping customer base and Nordic focus but with a different primary funding model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Lendo social profiles
Digital presenceLendo compliance and trust
Trust signalCompliance3 records
Lendo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lendo leadership team
Management profileNumber of profiles
Profiles8 records
Lendo subsidiaries and ownership
Company hierarchySubsidiaries4 records
Lendo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lendo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lendo
What does Lendo do?
Lendo operates Sweden's largest loan comparison marketplace, allowing consumers to submit a single application and receive loan offers from up to 40 partnered banks and lenders through just one UC credit check. The platform covers personal loans (up to 800,000 SEK), business loans (up to 5 million SEK), and mortgage loans, with debt consolidation and insurance add-ons. Lendo is free for consumers and earns commission from partner lenders when loans are completed.
Is Lendo a public or private company?
Lendo is a private company. It is classified as corporate owned and is currently operating.
When was Lendo founded?
Lendo was founded in 2007. It employs 101 to 250 people.
Where is Lendo based?
Lendo is headquartered in Stockholm, Sweden, in the Europe region.
How does Lendo make money?
One revenue line is on record: loan Origination Commission.
Who are Lendo's main competitors?
Direct peers on record are Zmarta, Financer.com, Compricer, Mybanker and Sambla. Broad incumbents are MoneySupermarket and LendingTree. ICA Banken is listed as an others. Axo Finans is listed as a regional player. LendMe AB (formerly Savelend) is listed as an emerging player.
Does Lendo have an API?
No public API is recorded for Lendo.
What industry is Lendo in?
Lendo's product category is Loan Comparison & Financial Marketplace. Its primary akta.pro industry code is FSAKAHAL, P2P Loan Syndication & Participation Platforms, with a secondary code of FSAKAHAB, P2P Debt Consolidation & Refinancing. Its NAICS code is 522310 and its SIC code is 6163.