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Flexkontot

LenderNo UC

Flexkontot lends the money itself. The credit check is made with Dun & Bradstreet, not with UC.

Terms and examples

The examples are calculated with the rate and fees in Flexkontot's terms. Ad: we are paid if you continue to Flexkontot.

Flexkontot is in the comparisons: Quick loans, Loans without UC and With a payment remark.

Effective rate
24.30%
Loan amount
SEK 3,000–40,000
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 Flexkontot's terms

Flexkontot's terms in their own words

The figures on this page come from here. The quotes are in Swedish, as Flexkontot publishes them. We check the text against Flexkontot's site and note the date.

Terms · flexkontot.se
Betalningsanmärkningar är OK … Krediten har 21,95 % nominell rörlig årsränta, 0 kr i uppläggningsavgift och 0 kr månatlig administrationsavgift. En exempelkredit på 20 000 kr som återbetalas med 1 871 kr per månad under 12 månader har en effektiv årsränta på 24,3 %. Det innebär en total kostnad för krediten om 2 452 kr. Totala beloppet att återbetala är 22 452 kr. Löptiden för kreditavtalet är obestämd. … Vi använder Dun & Bradstreet för kreditupplysningar. … Vi erbjuder lån upp till 40 000 kr genom en kontokredit. … Minsta kreditgräns är 3 000 kr

Taken from Flexkontot's terms and checked 16 October 2026. Spotted a mistake? Write to [email protected].

In its favour

  • 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%).
  • Credit line: annual fee SEK 495 from the second year, SEK 195 per withdrawal after the first.
  • You need to be at least 21 and have an annual income of at least SEK 200,000.

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. Always compare the same amount and term.

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Common questions about Flexkontot

Does Flexkontot make a UC credit check?

No. Flexkontot gets the credit check from Dun & Bradstreet. It does not show at UC, but it is still a credit check.

Can I borrow from Flexkontot with a payment remark?

It can be assessed. Flexkontot does not refuse automatically, but a payment remark (betalningsanmärkning) makes a rejection more likely and the rate higher.

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.

How much can I borrow from Flexkontot?

Up to SEK 40,000. How much you get depends on your finances, and the figures on the page are examples.