When your offer is ready, you'll get a notification in the Anyfin app and by email. The offer shows your new interest rate, repayment plan, and other terms — alongside your current loan's terms for easy comparison.
How to accept your offer
Review the offer in the app. If you're happy with it, scroll down and proceed to sign. In Sweden, you sign with BankID. You'll also have the option to set up automatic payment — you can skip this and do it later, unless you've added a Trygghetsförsäkring, in which case autogiro is required.
Offers are valid for 7 days. If yours has expired, contact customer service — it may be possible to reopen it.
Understanding the offer (Finland)
The offer compares four key terms side by side — your current loan vs. Anyfin:
APR (Annual Percentage Rate) — the total cost as a yearly percentage, including fees. This is the most reliable number for comparing offers.
Nominal interest rate — the interest rate only, excluding fees. Anyfin's rate is variable: 3-month Euribor + an individual margin, reviewed every 3 months.
Monthly fee — Anyfin's is always €0.
Total cost — the total amount you'll pay over the full loan term.
Why can the nominal rate be higher but APR lower? If your current loan has monthly fees (e.g. €15/month), those raise the APR even if the nominal rate looks lower. Since Anyfin charges no monthly fees, the nominal rate and APR are close together. Total cost is the final check — it tells you which offer is actually cheaper.
Anyfin's rates: nominal 5.50%–17.50% (variable), APR 5.64%–18.97%. Your individual rate is based on a credit assessment and shown in your offer.
What happens after you accept?
Anyfin pays off your old loan directly to your previous lender. This takes up to 3–5 business days. After that, your loan is with Anyfin on new terms and your monthly payments go to us.
Note for Germany: Accepting the offer does not automatically cancel your contract with your old lender. If you want to formally cancel it, you'll need to do that yourself.
If you notice an error in your application or your offer disappears unexpectedly, contact customer service.
Need help? Contact Anyfin support via the link for your country above.