Behöver råd: När och hur bör jag refinansiera mitt lån (efter november)?

[FOMO]

Hello,


I am thinking about refinancing my loans and would like some advice from those of you who have experience. Here is my current situation (September 2025):

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My loans today​

• SEB loan: SEK 278,000 (interest rate 6.5%)
• Lea Bank loan: SEK 162,000 (interest rate 17%)
• SEB credit card: SEK 15,000 (but plan to pay it down to 0 before November)
• Klarna: approx. SEK 9,500 (to be paid down to 0 before the end of the year)
• Creditstar: approx. SEK 18,000 (high interest rate, but intend to amortize in parallel)

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My UC profile​

• UC score: 634 (risk prediction 0.9% = “very good”)
• Number of credit reports: 5 ? 2 will disappear on November 11 , so there will only be 3 left.
• Fixed income: approximately SEK 42,000 net per month.
• Fixed costs: 15,000 per month.

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My plan​

• Continue paying down credit cards, Klarna and Creditstar this fall.
• After November, when UC requests decrease, apply for refinancing.
• Want to amortize SEK 10,000/month on a new loan.

My questions to you​

1. When is the best time to apply? Should I do it right after November 11th when 2 credit reports have been dropped, or wait even longer for the best chance?
2. Should I consolidate both bank loans (SEB + Lea Bank) into a new loan of approximately SEK 440,000, or just refinance the Lea Bank loan ?
3. What term is the smartest if I plan to pay SEK 10,000/month?
4. Is it better to use a service like Lendo (one UC request, multiple banks) or go directly to SEB where I am already a customer?

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Of course, I want to lower the interest rate from 17% at Lea Bank and at the same time build up savings. The idea is to become completely debt-free in the long term but still have a safe buffer.


Many thanks for all the tips and experiences