Most of Finansinspektionen's warnings about suspected fraud have in 2025 been about false loan promises. The authority warns this year about a total of 108 names of suspected scammers.
We see signs that these scammers are more active in this area and that they are targeting people who are already vulnerable on the financial market, says Finansinspektionen's consumer protection economist Moa Langemark.
The scammers claim to offer favorable loans without credit checks but require an advance payment. In many cases, there has been a stress factor to quickly accept the offer and transfer the money. No loan is ever paid out.
It's about people who are already vulnerable and in a difficult economic situation.
Those who have alerted Finansinspektionen have in some cases themselves sought loans and ended up with the scammers, in other cases they have been contacted.
Our understanding is that it is far from most who call us when they have been a victim of a scam, so it is likely that there is a very large number of unreported cases here.
Moa Langemark says that you should always be skeptical if you are contacted by an actor who wants to offer a loan. You should also be cautious if the actor offers the loan without a credit check and wants a fee before the loan can be paid out.
This is not how regulated actors work.
You should also be careful if it is an actor that you do not know.
Just because we put up a name on our warning list, it does not mean that the scammer disappears, but rather they probably change their name. It also happens that they choose names that resemble traditional actors on the financial market.
• Be skeptical if you are contacted by an actor who wants to lend money.
• Check that the actor is not on Finansinspektionen's warning list.
• Check Finansinspektionen's company list to see if the actor has a permit to operate in Sweden.
Source: Finansinspektionen
