Daypay lends the money itself. The credit check is made with Creditsafe, not with UC.
The examples are calculated with the rate and fees in Daypay's terms. Ad: we are paid if you continue to Daypay.
Credit check through Creditsafe
Example: SEK 10,000 over 3 months, 22.00% nominal rate, setup fee SEK 350, notice fees SEK 59 in total, 58.39% effective rate, total SEK 10,778.
Daypay is in the comparisons: Quick loans, Loans without UC and With a payment remark.
Rate, fees and example checked 16 October 2026 against Daypay's terms
The figures on this page come from here. The quotes are in Swedish, as Daypay publishes them. We check the text against Daypay's site and note the date.
Vi tar ingen UC. Beloppet dras via autogiro. … Prisexempel: Låna 15 000 kr i 24 mån. Totalt att återbetala 19 085 kr, alltså 778 kr per månad. Årlig fast ränta 22%. Effektiv årsränta 28%, Uppläggningsavgift 350 kr. Aviavgifter totalt 59 kr. … Vi tar ingen UC på våra snabblån mellan 1000 till 20 000 kr. Taken from Daypay's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].
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. Always compare the same amount and term.
No. Daypay gets the credit check from Creditsafe. It does not show at UC, but it is still a credit check.
It can be assessed. Daypay does not refuse automatically, but a payment remark (betalningsanmärkning) makes a rejection more likely and the rate higher.
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.
Up to SEK 20,000. How much you get depends on your finances, and the figures on the page are examples.