---
id: credit-marketing-guidelines
slug: /merchant-guide/credit-marketing-guidelines
sidebar_label: Amended regulations for credit marketing in Sweden
title: Amended regulations for credit marketing in Sweden
hide_title: true
---

import Ingress from "../../src/components/ingress/ingress.react";

<Ingress title="Amended regulations for credit marketing in Sweden">
  Starting from March 1, 2025, new regulations will apply to how credit can be
  marketed in Sweden. The aim is to reduce the risk of over-indebtedness by
  making it clearer to customers that credit entails costs. In advertisements or
  credit offers, a clear warning must be displayed in the form of text and a
  warning triangle. Here we present Walley's interpretation of the directives
  and how the requirements can be implemented. The information on this page is
  provided for informational purposes only and does not constitute legal advice.
  Always consult a qualified legal expert for advice tailored to your specific
  situation.
</Ingress>

<img
  src="/img/merchantguide/konsumentverket-exempel.png"
  alt="Swedish Consumer Agency example of warning text"
  width="75%"
/>

## Which situations require a specific disclosure?

### Mandatory Disclosure

The disclosure must be present if an individual offer is presented and a effective interest rate example must be shown. Example:

- Pay 200 SEK/month for 12 months

### Non-Mandatory Disclosure

If credit is only mentioned as a payment option without being actively marketed, no disclosure is required. Example:

- Pay with Walley
- Buy now, pay later with Walley

## How Should the Disclosure Be Implemented?

### Product Listing (PLP)

On product listing pages (such as category pages and search results) where installment payment is mentioned, Walley suggests displaying the disclosure in a general manner, for example, in a banner.

### Product Page (PDP)

On product pages where installment payment is offered, there are two ways to display the disclosure:

- In connection with a complete price example.
- Via a link leading to detailed credit terms.
- Pages Marketing Credit
- If a page is about credit without being linked to a specific purchase, the disclosure must be clearly visible.

### Checkout

In the checkout, there are two options for presenting the disclosure:

- A general section applicable to all payment methods.
- A disclosure that becomes visible only when the customer selects a credit-based payment method, such as installment payment.

### Instore, telephone and physical materials

- Printed Materials
- For physical marketing, such as brochures, product sheets, and posters, the disclosure must be included.

For verbal marketing, such as telemarketing, the warning should be replaced with the word "note" to emphasize the importance of the information.

## Walley Checkout Example implementation

<img
  src="/img/merchantguide/checkout-example.png"
  alt="Walley Checkout Example with the warning triangle and text"
  width="50%"
/>

## Walley Part Payment Widget Example implementation

<img
  src="/img/merchantguide/widget-example.png"
  alt="Walley Part Payment Widget Example with the warning triangle and text"
  width="50%"
/>
## More information

https://publikationer.konsumentverket.se/produkter-och-tjanster/finansiella-tjanster/kovfs-20251-konsumentverkets-foreskrifter-om-naringsidkares-upplysningsskyldighet-vid-marknadsforing-av-konsumentkrediter