Tomly lends the money itself. This is high-cost credit, with an effective rate of at least 32%. The credit check is made with Creditsafe/Bisnode, not with UC.
The examples are calculated with the rate and fees in Tomly's terms. Ad: we are paid if you continue to Tomly.
Credit line, credit check through Creditsafe/Bisnode
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 588, notice fee SEK 57/month, 56.27% effective rate, total SEK 12,503.
Tomly is in the comparisons: Quick loans and Loans without UC.
Rate, fees and example checked 16 October 2026 against Tomly's terms
The figures on this page come from here. The quotes are in Swedish, as Tomly publishes them. We check the text against Tomly's site and note the date.
Ja, vi gör en kreditupplysning via företaget Creditsafe och/eller Bisnode. … Tomly erbjuder krediter på belopp mellan 2 000 till 200 000 Kr. … En kredit på 20 000 kr till 22,00 % ränta med en återbetalningstid på sjutton månader (med sjutton återbetalningar om 1 472 kr vardera) och 588 kr i uppläggningsavgift samt 969 kr i aviavgifter ger en effektiv ränta på totalt 36,21 %. Det totala beloppet att återbetala är 25 017 kr. … sökanden måste vara minst 18 år … Tomly är ett varumärke under Luma Finans AB, organisationsnummer 556902-7344. Taken from Tomly'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. Tomly gets the credit check from Creditsafe/Bisnode. It does not show at UC, but it is still a credit check.
Yes. Credit counts as high-cost credit when the effective rate is at least 32%. Tomly is at 36.21% in the example.
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 200,000. How much you get depends on your finances, and the figures on the page are examples.