“Can a consumer app win share by helping people pay OFF debt rather than take it on?”
Anyfin launched in 2017 with a single insight: instead of originating new debt, help consumers refinance the expensive credit they already have. Over time it broadened from pure refinance into an app-based personal-finance suite — savings accounts (Sparkonto), an AXA-brokered protection product, UC-based credit score tracking, PSD2 account-aggregation widgets, and card-cancellation assistance — while keeping refinancing as its core wedge. It now operates in Sweden, Finland, Norway and Germany as a licensed Swedish credit market company.
Anyfin discloses Anyfin AB (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Anyfin does not disclose a bank charter of its own; its banking services are provided through Anyfin AB (in-house).
Anyfin uses UC AB, Bisnode Kredit AB, SPAR, SCHUFA Holding AG and BankID for KYC and identity verification.
Anyfin's lending and capital products are provided by Anyfin AB (in-house).
Anyfin connects to bank accounts through GoCardless.
Anyfin's embedded insurance is provided by AXA.
The Embedded Finance Index 2026 maps 5 layers in Anyfin's stack: Banking / BaaS (Anyfin AB (in-house)); Lending (Anyfin AB (in-house), Refinance loan, Privatlån (personal loan), Samla lån (debt consolidation) and 3 others); Insurance (AXA); Open banking (GoCardless); KYC (UC AB, Bisnode Kredit AB, SPAR, SCHUFA Holding AG and 1 other).
Anyfin was founded by Mikael Hussain, Filip Polhem and Sven Perkmann and is founded in 2017, headquartered in Stockholm, Sweden.
Anyfin has raised €106M in total (latest round: Series C, 2023).
Get a read on where your own stack stands against Anyfin and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.