Frequently Asked Questions

Answers to your questions about our financing services

Eligibility Conditions

To be eligible for our loans, you must:

  • Be of legal age (18 years minimum)
  • Have a good financial situation
  • Provide the required documents (proof of income, etc.)
  • Be a resident of Sweden, Norway or the EU

Each application is reviewed individually by our experts.

Yes, we reserve the right to refuse an application if:

  • Financial situation deemed risky
  • Incomplete or suspicious documents
  • Unable to verify identity

In case of refusal, we inform you with the reasons. You can contact us again after 6 months.

This depends on the type of loan and the amount:

  • Personal Loan: Simple proof (pay slip, tax notice)
  • Real Estate Loan: Complete file + last 3 payslips
  • Auto Loan: Proof of income and vehicle quote
  • Micro-credit: Simplified proof

Processing Times

Guaranteed response in 48-72 hours:

  • 0-24h: Receipt and verification of file
  • 24-48h: Complete analysis and decision
  • 48-72h: Detailed offer and final conditions

If file is incomplete, the delay may be longer.

Quick payment after signing:

  • Contract signing: Day D
  • Funds disbursement: D+1 (24h) or D+2 (48h) depending on bank

Funds are transferred directly to your bank account.

Yes, we offer a priority service:

  • Express (12h): Response within 12h max
  • Premium (6h): For important files

Additional fee applies. Contact us for details.

Rates and Pricing

Indicative rates (vary by file):

  • Personal Loan: 3.99% - 8.99% incl. VAT
  • Real Estate Loan: 2.95% - 7.99% incl. VAT
  • Auto Loan: 3.99% - 8.99% incl. VAT
  • Micro-credit: 6.9% - 12.9% incl. VAT

Rates vary according to profile and loan term.

No, 100% transparency:

  • Zero application fees
  • Zero brokerage fees
  • Free early repayment
  • All fees in the signed offer

Gerd Bistand is committed to pricing transparency.

Factors affecting your rate:

  • Credit profile: Financial history
  • Loan amount: Higher amounts may get better rates
  • Loan term: Shorter = less risk
  • Economic situation: Market conditions
  • Type of loan: Personal, real estate, auto or micro-credit

Financing Process

4 simple steps:

  1. Online Application Fill out our form in minutes.
  2. File Review Our experts analyze your project within 48h.
  3. Personalized Offer You receive a detailed proposal with rates and monthly payments.
  4. Funds Disbursement After signing, funds are disbursed in 24-48h.

Didn't find your answer?

Contact our support team, available 24/7

Contact Us