ViaConto lends the money itself. This is high-cost credit, with an effective rate of at least 32%. The credit check is made with Creditsafe, not with UC.
The examples are calculated with the rate and fees in ViaConto's terms. Ad: we are paid if you continue to ViaConto.
Credit line, credit check through Creditsafe
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 588, notice fee SEK 435/month, 204.86% effective rate, total SEK 17,039.
ViaConto is in the comparisons: Quick loans and Loans without UC.
Rate, fees and example checked 16 October 2026 against ViaConto's terms
The figures on this page come from here. The quotes are in Swedish, as ViaConto publishes them. We check the text against ViaConto's site and note the date.
Vad kostar ViaConto kreditlån? Den månatliga räntan är 1,833 %. Årsräntan är 22 %. Månatlig administrationsavgift på upp till 375 kronor … Månatlig faktureringsavgift på 60 kronor. … Uppläggningsavgiften är 588 kronor. … Du kan ansöka om en kreditgräns mellan 2 000 och 30 000 kronor. Högsta kreditgräns för nya kunder är 20 000 kr. … ViaConto är en löpande kontokredit, ungefär som ett kreditkort fast utan kortet, med en kreditgräns upp till 30 000 kronor. … För att beviljas ett lån måste du uppfylla följande villkor: Myndig och folkbokförd i Sverige sedan minst 2 år … Dina uttag kommer att behandlas av betalningstjänstleverantören Brite och vanligtvis tar det 15 minuter för pengarna att nå ditt bankkonto hos de större svenska bankerna. … Vi genomför alltid sedvanlig kreditprövning. Taken from ViaConto'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. ViaConto gets the credit check from Creditsafe. It does not show at UC, but it is still a credit check.
It is unusual. Under the terms we work from, applications with a payment remark are not normally assessed.
Yes. Credit counts as high-cost credit when the effective rate is at least 32%. ViaConto is at 204.86% 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.