Refino is a financial service company based in Sweden that specializes in offering loan consolidation solutions. The company aims to assist individuals facing financial challenges, including those with payment defaults or debts under collection agencies like Kronofogden. Refino provides customized lending options designed to lower monthly payments and improve overall financial stability for its clients. Targeting customers who have been denied loans by traditional banks, Refino offers personal advice and innovative tools to facilitate access to credit. By focusing on creating tailored financial solutions, Refino helps individuals regain control of their finances and work towards a more secure economic future. Through their platform, users can easily apply for loans and receive immediate feedback on their potential savings.
Refino receives high praise from many customers for its dedicated staff, particularly Emil and Victor, who are noted for their professionalism, responsiveness, and ability to provide clear guidance throughout the loan process. Reviewers express gratitude for the significant help they received in managing their debts and reducing monthly costs, highlighting the supportive and understanding approach of the advisors.
However, some customers report frustrations regarding the requirement for a co-applicant, which was not clearly communicated on the website, leading to confusion and dissatisfaction. Despite these criticisms, the overall sentiment remains overwhelmingly positive, with most users recommending Refino for its effective service and helpful staff.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.7 | 25 | 100% | -0.8 | ● Low |
Monthly average rating from reviews written by people · latest review Nov 2025.
| Month | Average | Reviews |
|---|---|---|
| Jul 25 | 5.0 | 11 |
| Aug 25 | 5.0 | 4 |
| Sep 25 | 5.0 | 3 |
| Oct 25 | 4.3 | 6 |
| Nov 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 25 most recent reviews.
“Bästa service och Emil som skötte allt var och är fantastisk”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Trend | Reviews |
|---|---|---|---|---|
| 4.7 out of 5 (good) | 100 out of 100 | — | 25 | |
| 4.8 out of 5 (good) | 100 out of 100 | — | 1,000 | |
| 4.3 out of 5 (good) | 100 out of 100 | +39% | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | — | 27 |
Bottom line: Refino is #3 of 5 on overall rating in this group.
25 reviews of Refino. Filter by what matters to you.
Enligt hemsida behövs medsökande OM man har skulder hos kronofogden. Det har inte jag, men det visade sig att en medsökande ändå krävdes för att gå vidare. Jag har en väldigt bra inkomst, och önskade slå ihop ett lån med ett inkassoärende men fick ingen hjälp med det. Så tänk till innan ni söker, även om ni får preliminärt godkänt. Ni drar bara på er en onödig UC!
⭐ Omdöme om Refino – Min upplevelse Jag rekommenderar tyvärr inte Refino efter min erfarenhet. Jag skickade in alla dokument, la fram alla skulder, ordnade både medsökande och borgensman och signerade avtalet – ändå blev processen bara mer och mer utdragen. Jag fick olika besked varje gång jag pratade med dem, och de bad om nya saker hela tiden trots att allt redan var klart. De lovade utbetalning flera gånger, men inget hände. Jag kontaktade dem många gånger, men fick ofta vaga svar, hänvisningar och bortförklaringar. Till och med kundtjänsten gav olika besked och ibland sa de att “det inte är deras avdelning” fast det var dem jag pratade med. Det kändes helt enkelt inte seriöst. De marknadsför sig som att de hjälper människor, men i praktiken blev processen extremt långsam, rörig och full av motstridiga besked.
Quick answers to the questions people ask most.
Refino is a business services company that helps organizations streamline their operations and improve efficiency. We provide consulting and implementation services tailored to meet specific business needs. Please contact us directly to learn more about our current service offerings.
Our standard business hours are Monday through Friday, 9:00 AM to 5:00 PM. We may offer extended hours or emergency support depending on your service agreement. Please contact us to confirm current availability and scheduling options.
You can reach us through our main phone line, email, or by visiting our office during business hours. We also offer online contact forms for non-urgent inquiries. Check our website or contact information for the most current communication channels.
We work with businesses across various industries and company sizes. Our services can be customized to meet the needs of different organizations. Contact us to discuss how we can best support your specific business requirements.
Project timelines vary depending on the scope and complexity of your specific needs. We provide detailed project plans and timelines during our initial consultation process. Most projects are completed within agreed-upon deadlines established at the start of engagement.
We typically provide initial consultations to understand your business needs and determine how we can help. The structure of these consultations may vary based on the type of service requested. Please contact us to schedule a consultation and discuss the process.
We have experience working across multiple industries and business sectors. Our team adapts our approach to meet the unique challenges and requirements of different industries. Contact us to discuss your specific industry needs and our relevant experience.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
We take data security and client confidentiality seriously and follow industry best practices. All client information is handled according to established security protocols and confidentiality agreements. We can provide more details about our security measures upon request.
Our cancellation and refund policies vary depending on the type of service and contract terms. All policies are clearly outlined in our service agreements before work begins. Please review your specific contract or contact us for details about cancellation procedures.
We offer various levels of post-project support depending on your needs and service agreement. This may include maintenance, training, or additional consultation services. Ongoing support options are typically discussed during the initial project planning phase.
Getting started is simple - contact us to schedule an initial consultation where we'll discuss your needs and objectives. We'll then provide a customized proposal outlining recommended services and next steps. Once you approve the proposal, we can begin working on your project.
We can work with clients both locally and remotely, depending on the nature of the services required. Many of our services can be delivered effectively through remote collaboration tools and processes. Contact us to discuss how we can best serve your location and project needs.
Refino is a financial service company based in Sweden that specializes in offering loan consolidation solutions. The company aims to assist individuals facing financial challenges, including those with payment defaults or debts under collection agencies like Kronofogden. Refino provides customized lending options designed to lower monthly payments and improve overall financial stability for its clients. Targeting customers who have been denied loans by traditional banks, Refino offers personal advice and innovative tools to facilitate access to credit. By focusing on creating tailored financial solutions, Refino helps individuals regain control of their finances and work towards a more secure economic future. Through their platform, users can easily apply for loans and receive immediate feedback on their potential savings.
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