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Reducero

Broker

Reducero is a loan broker. You make one application and several banks reply with their own offers. Reducero does not lend money itself.

Terms and examples

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

Reducero is in the comparisons: Personal loans, Debt consolidation and With a payment remark.

Effective rate
from 5.06%
Loan amount
SEK 10,000–800,000
Age
At least 18
Annual income
At least SEK 120,000
Credit check
UC
Payment remark
Can be assessed

Rate, fees and example checked 16 October 2026 against Reducero's terms

Reducero's terms in their own words

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

Terms · reducero.se
Räkneexempel: Annuitetslån 12 år. Effektiv årsränta 6,17%. Ett lån på 200 000 kr kostar då 1 952 kr/månad (144 avbetalningar), dvs totalt 281 047 kr. Ingen start-/aviavgift. 6% nominell ränta (rörlig ränta, sätts individuellt baserat på dina förutsättningar). Återbetalningstid 1-15 år. Maximala räntan är 23%. Räntespann mellan: 4,95%-23%. … Via Reducero kan du ansöka om lån från 10 000 kr upp till 800 000 kr. … Ja, du kan ansöka om lån upp till 150 000 kr även med betalningsanmärkningar. Kraven är att du är minst 18 år, folkbokförd i Sverige sedan minst ett år, har en årsinkomst på minst 120 000 kr och har varit skuldfri hos Kronofogden i minst 6 månader.

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

In its favour

  • Normally a single credit check with UC, however many banks reply.
  • The broker charges you nothing.

Worth considering

  • The rate is set only once the banks have replied. The figures here are examples.
  • The range is wide, 4.95–23.00% nominal rate. Your finances decide where you land.

Common questions about Reducero

Is Reducero a bank?

No. Reducero is a loan broker. You sign the loan with the bank you choose.

Does it cost anything to use Reducero?

No, not for you. The broker is paid by the bank when a loan is paid out. The rate and fees on the loan are set by the bank.

Does Reducero make a UC credit check?

Yes. Reducero makes the credit check with UC.

Can I borrow from Reducero with a payment remark?

It can be assessed. Reducero 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.