An account credit helps you in financially distressed situations

With a credit from Cream Lending you get the money right away. When you are in need of money, you can apply for a new bank credit loan or fill up your existing one. That way you have the opportunity for extra money when you need it most.

Apply today and see if you can get an account credit from Cream Lending!


What is meant by account credit?

credit loans

What is usually called account credit is an automatic credit attached to your credit card that kicks in when the account is empty. A Cream Lending account credit is not automatic, but in practice has the same function, namely that you get the money immediately when you need them.

The purpose of an account credit with a regular bank is for the customer to feel secure if he or she transfers his account. On such an occasion, the account credit is activated. The very point of an account credit can be summed up by getting money when you need it, regardless of the time of day. We have taken advantage of this service and offer the loan we call account credit.


Account credit sounds good, how do I apply?

Account credit sounds good, how do I apply?

In order to apply for an account credit loan you must meet the loan requirements: You must be at least 18 years old, have a Swedish social security number, mobile number, e-mail address and account number.

If you can tick off the loan requirements, proceed as follows to begin your application for an account credit loan:

Register as a new customer (former customers easily apply through their profile page). To register you need to identify yourself via BankID and Instantor, or manually. Once we confirm your identity, we will ask for your approval to do a mandatory credit check (so we can assess your financial situation).

After that, we will immediately begin to process your account credit case and you will be presented shortly afterwards for a proposal on an account credit loan from us. We may offer a lower amount than desired. We do this because we want to be sure that you can afford the loan.

If you choose to accept our offer, the money will be paid into your account immediately, regardless of day and time of day. It is that simple to apply and get an account credit paid. Apply today!


Amounts on your account credit

Amounts on your account credit

You can apply for an account credit of amounts between $ 2000 – 15,000. New customers are limited to applying to borrow a maximum of $ 5000. The reason for this is that we, as the responsible lender, want to see that you are able to repay the loan before we allow larger amounts. That approach is beneficial to both you and us.

If you are already a customer of Cream Lending, you can apply for a credit loan of between $2000 and 15,000. You apply through your profile page and no identification through Instantor is required after your first application. On your profile page you can also go in and increase the loan amount to the maximum limit whenever you wish.

Treat yourself to the flexibility of an account credit. Apply for a credit loan from Cream Lending now!

The cost of the credit line

credit loan

The cost of an account credit with Cream Lending is 39 percent nominal annual interest. Furthermore, a fee of $ 395 will be added when you take out the loan.

Our Loan Calculator is a handy tool that shows the cost of your account credit. Check out Cream Lending Loan Calculator here.


Here’s how to repay your account credit


The repayment period for an account credit is between 7 and 30 days. You can make the repayment easily through your profile page. There you also have an overview of past payments.

It is possible to extend the repayment by paying a minimum amount at the original agreed repayment date. The rest of the loan is then paid 30 days later.

You can repay your entire amount at any time. To do so, you should first contact customer service to find out the exact amount.

What is meant by paying a minimum amount?

Something may happen that will prevent you from repaying your credit loan as planned. On such occasion, you can extend your repayment period by another 30 days. At the original repayment date, you then pay a minimum amount to later pay off the balance of the credit on the new date.


Applications for an account credit

Applications for an account credit

You are free to use your account credit for whatever you want. We do not even ask what the credit should be used for. The only thing we can assure you is that you have the advice and opportunity to repay your credit card loan.

An opportunity when an account credit may be helpful is when, for example, is a sale and you will find a leather jacket or computer at a reduced price. If you do not hit the offer immediately, the offer will disappear, but you will probably have no money until the next payment. With a credit loan from Cream Lending you get the money directly into your account and you do not miss a good offer.

A credit from Cream Lending must be repaid no later than 30 days. The idea of ​​account credit is precisely that it is a short-term credit that is repaid on the next payday.