Krea
Utmärkt 4.7 / 5
Bilfinansiering

Car Finance | We Help You Find the Best Deals

  • Get price quotes for both car loans and leasing with one application

  • Better terms | We let most lenders compete

  • Save time | Our advisers find the right agreement for you

The service is free of charge.How come?
Utmärkt 4.7 / 5
331 omdömen

How You Can Finance Company Vehicle Purchases

Similar to a business loan

  • Up to 5-year terms

  • Financing for the entire amount

  • Normally requires a personal guarantee

Lease at a fixed monthly cost

  • Up to 10-year terms

  • Residual value, depending on the car, between 10%-50%

  • Extend, buy out or sell the car after the contract period

Rent a car at a fixed monthly cost

  • Up to 10-year terms

  • Usually without residual value after the contract period

  • Insurance and service included in the monthly cost

Get financing with better terms

We let up to 30 banks and other lenders compete for your business

Selection of our banks and other lenders

DBT - Logo
Qred - Foretagslan - SVG - Logo
Svea - Foretagslan - Logo
Marginalen Bank - Logo
Froda företagslån
Capcito - Foretagslan - Logo

We let most banks compete for your business

Best terms guaranteed

Villkorsgaranti-Foretagslan

You always get the same or better terms with Krea as with any lender.

How?

How we save time for you

Krea does the work for you throughout the entire process

You get a personal advisor

When you start an application, you will be assigned an advisor dedicated to your business. The adviser's task is to ensure that you get the best terms possible.

Krea optimizes your application

We recommend how to improve your application. Based on 20,000 previous customers, we know how to get the best terms.

Part of Krea's team of advisors

Ella Almstedt - Foretagsradgivare

Ella Almstedt

Advisor

ella.almstedt@krea.se
Kim Sundgren - Foretagsradgivare

Kim Sundgren

Head of Advisory

kim.sundgren@krea.se

Get an initial assessment of available financing solutions

See your company’s credit limit. You get an answer immediately, without a credit check.

Financing with Krea in three simple steps

1
Choose machine or car
Foretagslan - Process - Step 1

Choose machine or car

You decide the object and with which supplier.

Which objects can I finance?
2
Tell us about your company and your financing needs
Foretagslan - Process - Step 2

Tell us about your company and your financing needs

Create your application yourself or book a free appointment with one of our advisors.

How long does it take?
3
Select offer
business loan- Process - Step 5

Select offer

Sign the agreement and receive the item from the supplier. You can get the funds disbursed within 1-10 days or upon the delivery date.

The difference between purchasing and leasing cars

The difference between purchasing and leasing cars

Advantages of borrowing for car purchases

When you buy a company car, the company owns it and can use it for as long as desired, without restrictions from a lease agreement. You can deduct expenses related to the ownership and maintenance of the car. Most business car loans can also be repaid in advance without additional costs.

» Read more: Business loan

Advantages of leasing vehicles

For company cars (used for at least 100 miles per year), you can deduct 50% of the input VAT on the leasing fee. If you are engaged in taxi or rental activities, you can deduct 100% of the input VAT. Heavy trucks allow a 100% deduction of VAT, and this also applies to certain vans and light trucks.

» Read more: Business leasing

An alternative to financial car leasing is operational leasing, also known as rental. The significant difference from regular business leasing is that the agreement is typically without a residual value, meaning there are relatively high monthly costs. Therefore, it is more common for company cars to be financed through financial leasing.

We have helped over 20 000 businesses

Vårt betyg är 4.7 av 5 baserat på 331 omdömen på Trustpilot.
Everything went smoothly and well, no hassle at all, unlike the usual complications.
Andreas Eriksson
Strongly recommend! Ella helped me all the way. Great service
Sabrina Touma
The processing was quick, and it was easy to get in touch with advisors who provided excellent guidance.
Mike - Båstads Camping
Everything from advice on application design to improved conditions by linking accounting! From application to disbursement took 5 days, of which I waited about 1.5 days before choosing an offer.
Renee Nilsson
Very pleasant, easy to talk to, and quickly understood the situation very well
Hikmet Salihu
I received incredibly good, concrete assistance from Krea and Linus Retsloff, who demonstrated various possibilities for the company to borrow and how Krea currently collaborates with several key players, including EU loans.
Fredrika Berghult
Fast and excellent service! Good feedback, both via email and from customer service. Better than many similar companies! Highly recommended.
Hans Forsslund
Easy-to-navigate site, with many good suggestions and friendly customer service. Good feedback
Andreas Kullinger
Thanks for an engaged and well-handled process in my search for the most suitable financing for my company.
B-O Torpestad
Professional treatment. Good follow-up. Can definitely recommend Krea
Andrea Larsdotter
Great service Knowledgeable staff Assisted us in the best way
Thomas Gustafsson

Since 2018, we have helped more than 20 000 companies find better terms and take their business to the next level. Read more about Krea.

SEK 1.7 billion

mediated volume to Swedish companies

Small business owners trust us

We have made dreams possible and helped with challenges
Will Brand
Will Brand AB

Will Brand AB

  • Trade
  • Revenue: 5-10m
  • Loan: 0.5m

We are growing faster than expected, and our business webshop (www.willbrand.se) needed an uplift, while we also needed to prepay the production for two significant fall projects.

At Krea, it surprisingly works quickly, and you receive a pleasant and good treatment from their service personnel. The process was significantly smoother compared to the old-fashioned 'banking world'."

Pierre Gasslander, CEO

The Italian Cousins - Fotograf Mattias Hamren-5

The Italian Cousins

  • Restaurant
  • Revenue: 15-20m
  • Loan: 2-3m

We are embarking on a major expansion, opening two new restaurants. Krea's advisors helped us find the right financing, allowing us to focus on the expansion. It was time-efficient, and by having Krea compete with different banks, we also ensured favorable terms for the new financing.

Enrico Artoni, Founder

Saltö Marin finansiering
Saltö Marin AB

Saltö Marin AB

  • Real estate
  • Revenue: 10-15m
  • Loan: 5-10m

I found it to be a good way to compare different terms, especially now when major banks are not as interested. The process through Krea is significantly faster and saves time compared to going directly to the bank.

Mats Lindqvist, CEO

Requirements for financing company cars

Requirements for applying for business leasing

First, your company must meet all formal requirements to apply for financing. Please refer to our list of formal requirements below.

Collateral for business car financing

To provide favorable terms, some lenders may require additional collateral beyond the vehicle itself. In a business loan, it's common for the lender to request security in the form of a personal guarantee. In business leasing, it's more common for the financing company to offer funding without a guarantee.

Bil_Shutterstock

Formal requirements

1

You need to know which car you want to buy. In the application, you can add a link to the item.

2

You must have a Swedish BankID.

3

The company must be registered and active in Sweden.

4

The company should have been active for at least three months.

5

The company must have a certain company type (Limited company, Sole Proprietorship or Partnership/Trading company).

Common questions about car loans

Common questions about car leasing