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Get your income advance today!

Fast, secure and smooth.

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Application takes 2 minutes

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Get an instant offer

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Pay-out next banking day

Requirements:

- At least 20 years old

- Regular income

- No payment remarks

- Account in one of the Swedish banks

- Swedish Social Security Number

- Swedish BankID

Calculation example:

SEK 10,000 is an interest free account credit (0% interest) and application fee SEK 195, costs SEK 10.195 (if repaid fully on first due date). If income advance isn't paid in full it rolls over to an interest-bearing credit with a floating interest rate of 26,25% and SEK 60 rollover fee with 24 installments. Total cost for SEK 10.000 and 24 installments is: SEK 12.989. Effective interest rate for example is 33,40% (2023-11-23).

Start Pjuming!

Get your income advance whenever you need it - And take full control of your everyday finances.

Pjum is a new, innovative service that allows you to get your salary in advance. This way, you’re always in control of your everyday finances and can access petty cash whenever you need it.

Any further questions?

Our goal is to help you in the best manner with any queries that you may have!

Thanks for submitting! We will get back to you shortly.

Coming soon - Your own Pjum card

Keep Pjum even closer with the upcoming Pjum card.

Gives you the freedom to leverage your everyday needs.

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FAQ

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Get the basics on how to Pjum!

  • Why Pjum?
    Pjum is a new and innovative service that allows you to get your income in advance through a credit. This way, you’re always in control of your everyday finances and can access petty cash whenever you need it. Pjum was launched in Sweden by entrepreneurs with an extensive experience and knowledge in the fields of loan business, compliance, IT & marketing, with the purpose of providing useful financial tools to gig economy independents.
  • What does it take to get income in advance?
    Minimum requirements are: - At least 20 years old - Regular income - No payment remarks - Account in one of the Swedish banks - Swedish Social Security Number - Swedish BankID
  • How long does the application process take?
    The application takes about 2 minutes. All you need is to fill out the form and provide the necessary info to finalize the application.
  • How do I pay my invoice?
    WHEN ARE INVOICES SENT? Invoices are sent on the 20th every month. If you apply before the 20th you will get the first invoice the same month. Otherwise it will be the next month. FIRST INVOICE First invoice will be sent through SMS with a payment link. This will re-direct you to a Pjum page with the option to pay with Swish. You can pay the entire loan or, if it suits you better, pay an amount of your choice. SECOND INVOICE AND ON If you choose to not pay the first invoice in full, your credit will roll over and you will pay 1/24 of your loan and interest for the month together with a roll over fee. From month 3 and onwards, you then continue to pay 1/24 of your credit and interest until the credit is paid in full. EXTRA PAYMENTS? You can also pay off your entire credit or make extra payments at any time without additional costs using: Bankgiro 5189-5886 (BANQ AB) OCR <your credit account number> Pre-payments will only reduce the principle as long as there are no unpaid interests or fees.
  • What’s the cost?
    See our price list for specific costs. Calculation example: SEK 10,000 is an interest free account credit (0% interest) and application fee SEK 195, costs SEK 10.195 (if repaid fully on first due date). If income advance isn't paid in full it rolls over to an interest-bearing credit with a floating interest rate of 26,25% and SEK 60 rollover fee with 24 installments. Total cost for SEK 10.000 and 24 installments is: SEK 12.989. Effective interest rate for example is 33,40% (2023-11-23).

Types of credits - what kind of credits do we most often choose?

Non-bank loans are an easy way to get additional cash quickly. No wonder their popularity has been steadily growing over the years. Get familiar with the different types below:

Income advance – Financing for Giggers

Too many days until payday? Income advance is the perfect way to extend your liquidity for the month in case of emergency expenses needed to accelerate your gigging. At pjum.com, you can get a credit with a minimum of formalities without leaving your home. You can apply online, via a website or a mobile application. Pjum will immediately transfer the funds borrowed for any purpose to your account.

Earned Wage Access

Earned wage access (EWA), simply is an instant salary payment, earned income access, accrued wage access, or on-demand pay. EWA is a financial service that provides employees access to a portion of their earned wages before the end of their payroll cycle. Get your earnes wage access today at pjum.com.

Petty cash loan

A petty cash loan is a nominal amount of money readily accessible for paying expenses. This term means a loan granted in cash. It is a quick way to get cash in case of emergency expenses. At pjum.com, you can get a cash loan with a minimum of formalities without leaving your home. You can apply online, via a website or a mobile application. Pjum will immediately transfer the funds borrowed for any purpose to your account.

Non-bank loan

Just what it sounds like - a loan from an institution that is not a bank. Thanks to a non-bank credit at Pjum.com, you can borrow up to a maximum of SEK 15.000 interest-free for the first current month. Additional convenience and time savings are provided by the possibility of applying online or via a mobile application.

Credit without certificates

A loan in which the lender does not require the borrower to present documents confirming employment, income, etc. - instead, using BankID will give Pjum access to credit reports and bank statements, which creates a smooth way to apply for credit. At Pjum.com, you can easily and quickly submit an online credit application without any certificates through your Customer Profile.

Loan over the web

A loan over the web, or an online loan, is an effortless way to get an
additional amount without leaving your home. It is available 24/7 on
Pjum.com. Thanks to it, you can get your income in advance and get extra cash at any time.

Quick loan

When we need additional money, the time until it reaches our account is a key issue. You can apply quickly for credit from Pjum.com via the website or mobile application. Formalities are kept to a minimum, and application, decision and payment are made in a few minutes.

Payday loan

A payday loan is a type of quick loan - it is granted for a short period. Most often, it amounts to a small sum. Obtaining a smaller loan at pjum.com is an easy procedure and much more transparent. You have full control over the process, and money for any purpose is transferred instantly to your account.

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