Freedom
With Freedom, your capital is invested in a wide range of loans and credits, and you can make your own settings based on credit type, originator, term, risk, and return. You have complete control and can customize your own savings portfolio according to your needs.
This product is perfect if you know what you want and how you want to build your portfolio to achieve your goals. With the help of our interest robot, you can have repayments and interest automatically reinvested, allowing you to benefit from the compound interest effect. Recommendations for amounts and savings horizon are not provided, as they entirely depend on the choices you make.
There is a close relationship between risk and return. To feel confident with your savings, it’s important to understand the risks involved and how to minimize them. This applies to the investments you make with us at SaveLend as well.
That’s why we’ve gathered both general risks and risks specific to investments with SaveLend on one page. There, you can learn more about how risks can be managed and diversified to your advantage, allowing you to save money in a safer way.
Once you’ve created a SaveLend account, you can easily deposit funds by making a one-time deposit or starting a monthly savings plan. You can withdraw uninvested funds from your SaveLend account at any time.
Your invested capital is repaid continuously from the respective loans. You can also release capital early by selling your investments on our secondary market. You can always choose whether to reinvest your returns or transfer them to your bank account.
Here are some of the most common questions and concerns from our savers. If you have additional questions, feel free to contact us via chat, email, or phone.
Today you can invest in SaveLend's subsidiary Svensk Kreditförmedling's real estate and rental projects on our savings platform. These credits were previously mediated through the originator SKF but will, in the future, be mediated through SBL Finans. This type of financing is now called crowdfunding. To comply with the new EU regulations regarding crowdfunding, SaveLend is obliged to ensure that everyone who participates in these investments has certain knowledge within it. Therefore you need to complete a knowledge test on our platform before you start investing in crowdfunding.
When you activate the strategy the test will appear.
Your previous investments made through the originator SKF will continue as usual as the new EU regulations rules do not apply to previously mediated credits.
You can easily see the instructions on how to transfer capital to your SaveLend account by logging in, navigating to "Transfers" followed by deposits and clicking on "Make a deposit".
You can choose between transferring your money directly with the help of Swish, Trustly, or by making a regular bank transfer.
To make a deposit, click on the "Make a deposit" button in the "Deposits" section or in the upper right corner of the platform and choose the method that suits you best:
Swish
Via Swish, your money arrives immediately. The regulations for the maximum amount and how much it’s possible to swish vary from bank to bank. Log into your internet or mobile bank to see and change your settings.
Instant Bank payment via Trustly
Direct transfer via Trustly takes between 15 min and 1 banking day. It is an open banking payment method that allows customers to shop and pay from their bank account online, without using a card or app.
Bank transfer
Bank transfers can take up to 1–2 days. Transfers must be made from a bank account that you own.
You can easily request withdrawals on uninvested capital by logging into your account, navigating to "Transfers" and then "Withdrawals". Click on "Make a withdrawal" then follow the instructions.
If you want to withdraw capital that is invested, you can sell your investments on the secondary market, which you will find under "Holdings" -> "Investments". Remember that sales on the secondary market include a fee except for special conditions for the Balanced savings strategy. Here, you have the right to sell investments up to a total of SEK 50,000 free of charge after every twelve months.
It varies from case to case, depending on the loan type and/or lending company. For example, for consumer loans via the lending company SBL Finance, it is common to only be exposed to one investment per borrower, but for factoring from the same lending company, the same borrowing company can use the service several times. In general, it depends on the underlying securities of each specific loan.
"Refer-a-friend" means that you as an investor can invite a friend, and both can then earn up to SEK 10,000 or EUR 1,000 in bonus.
To get the bonus, your friend needs to create an account via an exclusive referral link that you receive with your account (you can find the link in the section “My account” → “My bonuses”)
and then invest at least SEK 5,000 or EUR 500 within 30 days. The bonus is then paid out within 3 working days to both you and the invited friend.
"Refer-a-friend" only applies if you invite someone who starts investing in the strategies or projects. You do not receive a bonus when you invite someone who chooses to invest in a Fixed Interest Account.
The bonus ladder is as follows:
SEK 5,000 or more gives a bonus of SEK 200
SEK 10,000 or more gives a bonus of SEK 400
SEK 20,000 or more gives a bonus of SEK 600
SEK 100,000 or more gives a bonus of SEK 1,000
SEK 500,000 or more gives a bonus of SEK 5,000
SEK 1,000,000 or more gives a bonus of SEK 10,000
You can use your referral link an unlimited number of times.
The bonus is paid for both SEK- and EUR-accounts. You can easily see paid bonuses and the number of invited friends on your account in the same section:
If you, who referred a friend, only invest in SaveLend Fixed, the bonus will be paid out to your Transfer depot.
