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Ferratum.se (Domain) Investigation Report

Generated on Jun 14, 2026

Recommendation
Caution
Overall Summary
Safe
  Why we think so? 

Ferratum.se looks like a real financial services site, not a fake clone. ✅

The domain is old, first created in 2006, and it uses normal infrastructure for a regulated business: Cloudflare, Microsoft email, HTTPS, and a long list of mainstream tools such as Google Analytics, Trustpilot, Stripe, PayPal, and Adyen. It also has a live Swedish Google Places listing for Ferratum Bank, and the site is not flagged by Google Safe Browsing or the crypto scam blacklist.

The main caution is business risk, not identity risk. Public reviews point to complaints about expensive credit, high effective interest, and some customer-service friction. So the site appears legitimate, but you should be careful about borrowing terms and total repayment cost.

Confidence Score Our overall confidence rating for this entity based on public signals, activity, and risk checks.
83%

Risk Insights

🛡️

Real business, higher-cost product

  • The site looks authentic and established.
  • The biggest risk is expensive borrowing terms, not impersonation.
  • Read the APR and repayment schedule before applying.
✅

Strong technical trust signals

  • HTTPS is valid.
  • Cloudflare and Microsoft mail are in place.
  • No safety blacklist hits were returned.
⚠️

Public reputation is mixed

  • Reviews mention fast payouts and helpful support.
  • Complaints center on high interest and repayment cost.
  • That pattern is common for high-cost consumer credit.

Category Scores

Red Flags & Warnings

  • User reports focus on expensive credit and high effective interest, which can make the product risky even when the company is legitimate.
  • The presence of financial services means the main harm risk is poor loan terms, not a typical low-quality content site problem.

Detailed Checks & Insights

0-100 Scale

Domain age and registry stability

Score: 95
Passed

"Long registration history lowers the chance of a throwaway scam domain."

Reason: The domain was created in 2006 and still resolves normally.

TLS and DNS hygiene

Score: 90
Passed

"This is consistent with a maintained production site."

Reason: The site uses a valid certificate, Cloudflare name servers, and standard A/MX/TXT records.

Enterprise infrastructure signals

Score: 88
Passed

"These are common in legitimate commercial operations."

Reason: Cloudflare, Microsoft mail, Google Analytics, Trustpilot, Stripe, PayPal, Adyen, and Salesforce are all present.

Blacklist and browser safety

Score: 100
Passed

"No automated threat signal was returned in the supplied checks."

Reason: No Google Safe Browsing or crypto scam blacklist hits were detected.

Public business footprint

Score: 84
Passed

"A visible physical/business listing supports legitimacy, though ratings are mixed."

Reason: There is a Swedish Google Places listing with a phone number, hours, and a loan-agency category.

Contactability and support signals

Score: 82
Passed

"Real support channels are a positive sign, even if response quality is unknown."

Reason: The site exposes multiple email addresses and phone numbers, including DPO contacts.

Trademark and brand continuity

Score: 80
Passed

"This does not prove the exact Swedish entity, but it supports genuine brand continuity."

Reason: USPTO records show FERRATUM marks tied to Ferratum Oyj / Ferratum Oyj owners, which fits the brand name in use.

Traffic and usage profile

Score: 72
Passed

"Traffic is moderate, not massive, but it is consistent with a real operating site."

Reason: The site has measurable traffic, a Swedish audience, and a long-standing keyword footprint.

Reputation and complaint pattern

Score: 68
Passed

"This is a caution signal about product quality, not a clear sign of fraud."

Reason: Public reviews are mixed: many users report fast service, but complaints focus on high interest and expensive credit.

Your Next Steps

  • 1

    If you plan to borrow, compare the effective annual rate, total repayment amount, and any late-fee terms against at least two other lenders.

  • 2

    Use only contact details and login pages from ferratum.se or the official app, not from text messages or emailed links.

  • 3

    If you receive a payment request or login prompt that feels unusual, verify it by calling the published Swedish phone number before taking action.

Key Evidence & Citations

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