Lån utan säkerhet

Sammanfattning: The Swedish market for unsecured loans has frequently been attacked by media and government officials. Some actors have been accused of exploiting customers and charging inappropriately high interest rates. Despite the public interest very little academic work has been published on the topic. Therefore it is our purpose to investigate why the prices can differ so much between the different actors. Further, we also aim to conduct a market overview as a secondary purpose which will help us in reaching our primary purpose. Regarding our secondary purpose, we have presented a market overview and concluded that the market structure is a monopolistic competition implying a differentiated product from a customer viewpoint. Further, with regard to out main purpose, we concluded that the observed price differences depend on both the market structure but also on the transparency of the price information given in the market.