BrixoCredit line
No UC, credit check through Dun & Bradstreet
Effective rate24.30%nominal 21.95%
Per monthSEK 936
Total to repaySEK 11,228
Example: SEK 10,000 over 1 year, 21.95% nominal rate, no fees, 24.30% effective rate, total SEK 11,228.
Brixo
Brixo lends the money itself: credit line and personal loan. The credit check is made with Dun & Bradstreet, not with UC.
Terms and examples
The examples are calculated with the rate and fees in Brixo's terms. Ad: we are paid if you continue to Brixo.
BrixoPersonal loan
Credit check through Dun & Bradstreet
Effective rate22.42%nominal 19.95%
Per monthSEK 3,995
Total to repaySEK 240,170
Example: SEK 150,000 over 5 years, 19.95% nominal rate, setup fee SEK 475, notice fee SEK 25/month, 22.42% effective rate, total SEK 240,170.
Brixo is in the comparisons: Personal loans, Debt consolidation, Quick loans, Loans without UC and With a payment remark.
- Effective rate
- 22.60–24.30%
- Loan amount
- SEK 5,000–200,000
- Age
- At least 21
- Annual income
- At least SEK 200,000
- Credit check
- Dun & Bradstreet
- Payment remark
- Can be assessed
Rate, fees and example checked 16 October 2026 against Brixo's terms
Brixo's terms in their own words
The figures on this page come from here. The quotes are in Swedish, as Brixo publishes them. We check the text against Brixo's site and note the date.
Krediten har inga avgifter. Nominell rörlig årsränta är 21,95 % och den effektiva räntan är 24,3 %. En exempelkredit på 25 000 kr som återbetalas med 2 339 kr per månad under 12 månader har en total kostnad om 3 068 kr. … Med vår kontokredit kan du låna mellan 5 000 kr och 50 000 kr. … Du är minst 21 år gammal • Du har en årsinkomst om minst 200 000 kr … Vi använder oss inte av UC, utan inhämtar kreditupplysningen från Dun & Bradstreet. Belopp: 10 000 – 200 000 kr • Löptid: 3 – 7,5 år • Nominell ränta: 19,95 % • Uppläggningsavgift: 475 kr • Administrationsavgift: 25 kr per månad Krediten har 19,95 % nominell rörlig årsränta, 475 kr i uppläggningsavgift och 25 kr månatlig administrationsavgift. En exempelkredit på 100 000 kr som återbetalas med 2 185 kr per månad under 90 månader har en effektiv årsränta på 22,6 %. Det innebär en total kostnad för krediten om 96 650 kr. Totalt belopp att återbetala är 196 650 kr. Löptid från 36 till 90 månader. … Du är minst 21 år gammal. • Du har ett svenskt personnummer, svenskt BankID och är folkbokförd i Sverige. • Du har inga skulder hos Kronofogden (betalningsanmärkningar är ok). • Du har en årsinkomst om minst 200 000 kr. Taken from Brixo's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].
In its favour
- +The credit line has no fees.
- +Credit line: you pay interest only on what you have drawn.
- +A payment remark (betalningsanmärkning) does not have to stop the application.
Worth considering
- !Effective rate above 20%, more than twice the lowest example for a personal loan through a broker (6.17%).
- !Personal loan: setup fee SEK 475, notice fee SEK 25/month.
- !You need to be at least 21 and have at least SEK 200,000 in annual income.
A personal loan may cost less
If you need a larger amount or a longer time, a personal loan through a broker or bank may cost less. For SEK 150,000 over 5 years the examples start at 6.17% effective rate, against 22.42% with Brixo. Always compare the same amount and term.
Common questions about Brixo
Does Brixo make a UC credit check?
No. Brixo gets the credit check from Dun & Bradstreet. It does not show at UC, but it is still a credit check.
Can I borrow from Brixo with a payment remark?
It can be assessed. Brixo does not refuse automatically, but a payment remark (betalningsanmärkning) makes a rejection more likely and the rate higher.
What is the difference between the credit line and the personal loan?
The credit line is a credit limit you draw on when you need it, and you pay interest on what you have used. The personal loan is paid out at once and repaid with the same amount every month.
What happens if I cannot pay?
Contact the company before the due date. Otherwise a reminder follows, then late-payment interest, and finally debt collection and Kronofogden (the Swedish Enforcement Authority), which leads to a payment remark. Interest and fees may never add up to more than you borrowed.