Stockholm-based consumer finance company Fairlo recorded another year of strong growth in 2025, increasing its net revenue by 42% to SEK 219.1 million while also generating a substantial profit.
The performance highlights the company’s continued expansion in Sweden’s consumer credit market and comes as Fairlo positions itself around a more transparent approach to consumer financing.
Revenue growth accelerates
Fairlo’s net revenue reached SEK 219.1 million in 2025, up 42% from the previous year.
The company combines consumer lending with a positioning focused on transparency, offering customers clear information about the cost of credit and the economics of each transaction.
Fairlo currently provides flexible credit products that allow customers to access funds when needed rather than taking a traditional lump-sum loan. Its services include credit facilities and personal loans, with customers paying interest on the amount they actually use.
The company was founded in Stockholm in 2018 by brothers Jimmy and Shamon Hanna. Fairlo says the company’s origins were shaped by their family’s experience with traditional consumer credit and a desire to create what they considered a more transparent alternative.
Building a consumer finance brand around transparency
Fairlo differentiates itself through what it calls its “Fairness Receipt”, which provides customers with a breakdown of a credit transaction, including what the customer pays, the company’s costs and the profit Fairlo expects to make.
The company argues that greater transparency can help consumers make more informed decisions about borrowing.
Its current offering includes credit of up to SEK 70,000, with funds available on demand. Fairlo states that customers receive the same interest rate based on their approved credit rather than an individually priced rate determined by its risk assessment.
The company has also expanded its product offering with features designed to help customers manage their credit over time, including the ability to increase their credit limit following responsible use and additional payment protection.
Growth with profitability
While rapid revenue growth is common among fintech companies, Fairlo’s 2025 performance is notable for combining expansion with profitability.
The company has increasingly emphasized responsible lending and transparency as part of its strategy. In 2025, Fairlo won two Credit & Collections Industry Awards: Consumer Credit Provider of the Year and Responsible Lender of the Year.
The company has also continued to develop its broader financial services ambitions. Fairlo’s own news section says the company has applied for a Swedish banking licence, signalling ambitions that extend beyond its existing consumer credit offering.
A different approach to consumer credit
Fairlo’s growth comes at a time when consumer finance companies face increasing scrutiny over affordability, pricing and responsible lending.
Rather than competing solely on speed or access to credit, Fairlo has built its brand around making the economics of borrowing more visible to customers.
Its 2025 results suggest that this positioning has not prevented the company from scaling. With SEK 219.1 million in net revenue and strong profitability, the Stockholm fintech is becoming an increasingly notable player in Sweden’s consumer finance market.
Company: Fairlo
Founded: 2018
Headquarters: Stockholm, Sweden
Industry: Consumer Finance / FinTech
2025 net revenue: SEK 219.1 million
Revenue growth: 42%
2025 result: Large profit
Category: FinTech
Country: Sweden
