Loanstep lends the money itself. The credit check is made with Creditsafe, not with UC.
The examples are calculated with the rate and fees in Loanstep's terms. Ad: we are paid if you continue to Loanstep.
Credit check through Creditsafe
Example: SEK 50,000 over 5 years, 22.00% nominal rate, setup fee SEK 589, notice fee SEK 69/month, 28.04% effective rate, total SEK 87,586.
Loanstep is in the comparisons: Personal loans, Loans without UC and With a payment remark.
Rate, fees and example checked 16 October 2026 against Loanstep's terms
The figures on this page come from here. The quotes are in Swedish, as Loanstep publishes them. We check the text against Loanstep's site and note the date.
Ansök om lån upp till 50 000 kr … Låna med 22 % ränta … Högsta möjliga effektiva ränta 45 % … Ett lån på 50 589 kronor taget 2026-10-16 till 22,00 procents rörlig ränta med en återbetalningstid på 76 månader medför 76 avbetalningar om ca 1 311 kr, 589 kronor i förmedlingsavgift samt 69 kronor i månatlig administrationsavgift. Detta ger en effektiv ränta på totalt 27,70 procent och totalt att återbetala blir 100 235,57 kronor. Återbetalningstid 54–76 månader. … När du ansöker om ett lån gör vi en kreditupplysning via vår samarbetspartner Creditsafe. … Har man en i normalfallet ordnad ekonomi hjälper vi gärna till genom att erbjuda en smidig och enkel lånelösning, men har man betalningsanmärkningar måste en individuell bedömning göras. Vi beviljar ej lån om det finns ett skuldsaldo hos Kronofogden. … De krav vi ställer på våra låntagare varierar beroende på låntagarens ekonomiska situation. Taken from Loanstep'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, against 28.04% with Loanstep. Always compare the same amount and term.
No. Loanstep gets the credit check from Creditsafe. It does not show at UC, but it is still a credit check.
It can be assessed. Loanstep 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 50,000. How much you get depends on your finances, and the figures on the page are examples.