Driving loans CSN
For those who are unemployed
If you are unemployed and meet certain conditions, you can borrow money from CSN in order to take a driver's licence (B driver license). With a driving license, it is usually easier to get a job. Here you will find information about amounts, terms and conditions and how to apply for the loan.
Financing with bank loans
Apply and get a loan directly from us. We offer both STR student-account (up to 15,000kr) and credit-application STR account (up to 50,000kr). As commonly known, It is not always possible to pay for a driving license directly. We know it and therefore offer financing through Resource Bank according to the conditions below.
- You must be at least 18 years.
- If you are employed, you can borrow up to 50,000 SEK. If you are a student you can borrow up to 15,000 kr. The minimum loan amount is 2000 kr.
- The loan is interest-free up to 24 months.
- You can also mortgage plan of 24 months, the interest rate is en 12.86% for the entire period.
- You pay a administration fee of $ 35 per month for installment plans 3 months and more.
- If you choose a payment plan At 3, 6, 12 or 24 months you will also pay a setup fee.
- You can at any time pay the full amount without additional fees and you can pay more than the agreed amount per month.
For those who are unemployed
Driving-licence loans - A help on the way to employment
As of September 1, 2018, as unemployed and meet certain conditions, you can borrow money from CSN to cover the cost of a B-driver license. Many employers today require that their employees has a driving license, so having a driving license makes it easier to get an empoyment.
The amount that you can borrow
At most, you can borrow 15,000 SEK. The money is made available in instalments, and each instalment is 5,000 SEK. One requirement for borrowing for driving license training is that your traffic school must be approved by the Transport Agency.
Who is eligible for the loan?
To be eligible for driving license loans, you must be unemployed and between 18 to 47 years of age. The terms are different depending on whether your are in the 18-24 years or 25-47 age range (see full terms). The loan is valid for Swedish driving license "körkortsbehörighet B", that covers passenger cars and light trucks. The government is planning that young people who are not unemployed should be included. This applies to people between the ages of 19 and 20 who have completed upper secondary education. This may be implemented in 2019.
When you apply
You apply for driving license loans in My pages at csn.se. It is possible to apply from 1 September. Once you have received the acceptance from CSN and started at a traffic school, you can request your first payment. You won't receive it automatically. The traffic school will inform CSN of its billing, and you can request new payments while the school is billing you.
The loan is to be paid back
The loan will then be repaid. CSN also charges interest on the loan amount. Usually you pay $ 300 a month. This means that if you borrow 15,000, it will take more than 4 years before the loan is repaid. Of course, you can pay back the loan faster if you want.