Green car loan
Borrow to buy a zero-emission electric car from an authorised dealer, using the car as security and paying at least 20% yourself.
Ta możliwość jest obecnie dostępna po angielsku.
The bank lends at least SEK 80,000 and up to 80% of the car’s value. Pay the remaining share in cash or with a trade-in car. Qualifying cars receive a lower interest rate.
The published variable interest rate is 5.19%, last changed on 3 October 2025. The setup fee is SEK 550. Payment notices cost SEK 0 with e-invoice, SEK 19 with direct debit or SEK 45 by post. The bank’s example of a SEK 150,000 loan over five years, with equal monthly principal repayments and e-invoice, has an effective annual rate of 5.48%, including the setup fee.
You repay the loan over 1–8 years, depending on the car’s age. In the bank’s repayment example, you repay the same amount of borrowed money each month, plus interest; if the interest rate stays unchanged, the interest cost falls as the remaining debt falls. Extra repayments and paying off the loan early carry no extra charge. If you sell the car, you must pay off any remaining loan.
Eligibility
- You must be a customer of Sparbanken Skåne. New customers can join with mobile BankID and then apply.
- The car must be electric, emit no more than 0 g CO₂/km and be purchased through an authorised car dealer.
- The car must cost at least SEK 100,000, and you must contribute at least 20% in cash or through a trade-in.
- The car must be no more than 12 years old at the final payment, which limits the repayment period for older cars.
How to apply
- Status
- Nabór ciągły
- Warunki naboru
- Become a bank customer before applying digitally.[^c4]
Apply through Sparbanken Skåne’s internet bank or app, or by phone on 0771-12 20 00. If you are new to the bank, become a customer with mobile BankID before applying digitally; you can also call or visit a branch for help. The bank normally gives a decision within 24 hours for applications through the internet bank, app or phone.