# Fairlo

Fairlo is a Bank / Wealth / Trust based in Stockholm, Sweden.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Stockholm, Sweden
- **Region:** Europe
- **Address:** Stockholm, Sweden
- **Founded:** 2018
- **Assets under management:** Undisclosed
- **Website:** fairlo.se
- **LinkedIn:** https://www.linkedin.com/company/fairlo

## Regulatory record

- **Reports private funds:** No

## About

Fairlo is a financial technology company that provides credit services. Fairlo is on a mission to level the playing field and outsmart the predatory credit market by creating fair financial services from scratch.

## Sectors

- FinTech

## Questions

### Is Fairlo a bank, a lending platform, or a credit institution?

Fairlo holds a license as a credit institution from Finansinspektionen, Sweden's financial supervisory authority. This means it originates and holds loans on its own balance sheet, rather than acting as an intermediary for a partner bank.

### What consumer credit products does Fairlo offer?

Fairlo provides unsecured personal installment loans and revolving credit lines to individuals. Products are distributed direct-to-consumer through its website and, in some cases, integrated at the point of sale within retail environments.

### How does Fairlo underwrite its loans?

Fairlo uses automated decisioning models that draw on Swedish credit bureau data, income verification, and borrower-provided application information. The firm targets prime and near-prime consumer segments in its core market.

### Does Fairlo take deposits from the public?

No. Fairlo does not hold a deposit-taking license. Its lending capital is funded through institutional credit facilities and equity capital on its balance sheet.

### Where does Fairlo operate geographically?

Fairlo's primary lending market is Sweden, with potential reach into other Nordic countries. The firm's regulatory passport is anchored in its Swedish credit institution license.

## Related profiles

- [Fairfield, Bush & Co](https://altss.com/profile/fairfield-bush-co)
- [Fairport Asset Management](https://altss.com/profile/fairport-asset-management)

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Last updated: 2026-07-08T21:58:52.768Z

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