ExtralånetLender
Credit check through Bisnode
Effective rate22.79%nominal 20.71%
Per monthSEK 1,345
Total to repaySEK 80,671
Example: SEK 50,000 over 5 years, 20.71% nominal rate, no fees, 22.79% effective rate, total SEK 80,671.
Loans without UC
14 credits from 13 lenders that make the credit check with Bisnode or Creditsafe or Dun & Bradstreet instead of UC, a credit bureau many Swedish banks use.
- Lenders
- 13
- Effective rate
- 22.7–204.9%
- Credit check
- Bisnode, Creditsafe, D&B
- Rates checked
- 16 October 2026
Short answer
A loan without UC takes the credit check from a company other than UC, for example Dun & Bradstreet or Creditsafe. It does not show at UC, and the lender still assesses whether you can repay. The rate is often higher: 6 of the 14 credits here are high-cost credit.
credits without UC14from 13 lenders
14 credits without UC
Sorted by total cost within each group
AdWe compare lenders and brokers we work with, and we are paid when you continue to them. The order is decided by cost.
Personal loans
4Calculated on SEK 100,000 over 5 years.
LoanstepLender
Credit check through Creditsafe
Effective rate28.04%nominal 22.00%
Per monthSEK 1,450
Total to repaySEK 87,586
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.
BrixoPersonal loan
Credit check through Dun & Bradstreet
Effective rate22.69%nominal 19.95%
Per monthSEK 2,672
Total to repaySEK 160,771
Example: SEK 100,000 over 5 years, 19.95% nominal rate, setup fee SEK 475, notice fee SEK 25/month, 22.69% effective rate, total SEK 160,771.
BankyBroker
One application, several banks reply
Effective rate24.66%from 27.69%
Per monthSEK 2,760
Total to repaySEK 166,171
Example: SEK 100,000 over 5 years, 21.95% nominal rate, setup fee SEK 579, notice fees SEK 49 in total, 24.66% effective rate, total SEK 166,171.
Quick loans and credit lines
10Calculated on SEK 10,000 over 12 months.
DaypayHigh-cost credit
Credit check through Creditsafe
Effective rate58.39%nominal 22.00%
Per monthSEK 3,476
Total to repaySEK 10,778
Example: SEK 10,000 over 3 months, 22.00% nominal rate, setup fee SEK 350, notice fees SEK 59 in total, 58.39% effective rate, total SEK 10,778.
BrixoCredit line
No UC, credit check through Dun & Bradstreet
Effective rate24.30%nominal 21.95%
Per monthSEK 936
Total to repaySEK 11,228
Example: SEK 10,000 over 1 year, 21.95% nominal rate, no fees, 24.30% effective rate, total SEK 11,228.
FlexkontotLender
Credit line, credit check through Dun & Bradstreet
Effective rate24.30%nominal 21.95%
Per monthSEK 936
Total to repaySEK 11,228
Example: SEK 10,000 over 1 year, 21.95% nominal rate, no fees, 24.30% effective rate, total SEK 11,228.
CreditstarHigh-cost credit
Credit check through Dun & Bradstreet
Effective rate37.24%nominal 20.00%
Per monthSEK 956
Total to repaySEK 11,776
Example: SEK 10,000 over 1 year, 20.00% nominal rate, setup fee SEK 300, notice fee SEK 30/month, 37.24% effective rate, total SEK 11,776.
Saldo BankHigh-cost credit
Personal loan direct from the bank
Effective rate50.68%from 32.45%
Per monthSEK 975
Total to repaySEK 12,284
Example: SEK 10,000 over 1 year, 22.00% nominal rate, setup fee SEK 585, notice fee SEK 39/month, 50.68% effective rate, total SEK 12,284.
BinlyHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
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.
CredifiHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
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.
LumifyHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
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.
TomlyHigh-cost credit
Credit line, credit check through Creditsafe/Bisnode
Effective rate56.27%nominal 22.00%
Per monthSEK 993
Total to repaySEK 12,503
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.
ViaContoHigh-cost credit
Credit line, credit check through Creditsafe
Effective rate204.86%nominal 22.00%
Per monthSEK 1,371
Total to repaySEK 17,039
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.
What “without UC” means
UC is the most common credit bureau in Sweden, but not the only one. The credits on this page take the check with Bisnode or Creditsafe or Dun & Bradstreet instead. It is still a credit check: the lender sees your finances and assesses whether you can repay.
The difference is where the check shows. The credit check itself does not show at UC. The loan can, however, be reported and show at UC later, and an unpaid debt can become a payment remark that shows everywhere.
Why the rate is often higher
Lenders that do not use UC mostly offer smaller unsecured loans and charge for the risk. Many of the credits here are above the line for high-cost credit, 32% effective rate.
Compare the effective rate and the total at the same amount and term, as in the list above. What the rate means in kronor is explained on the effective interest rate page, and you can work out your own amount in the loan calculator.
How to apply
Three steps:
- Choose a lender or a broker in the list. The row shows the effective rate and the total for the amount you choose.
- Apply once. A broker passes the application on to several banks; a direct lender assesses it itself.
- Read the representative example before you sign. It shows the total cost of the loan, not only the monthly payment.
For a smaller amount, compare quick loans and credit lines. With a payment remark, there is a separate list.
Common questions about loans without UC
What is UC?
UC (Upplysningscentralen) is a credit bureau many Swedish banks use for credit checks. The companies on this page use another bureau instead.
Does the loan show at UC anyway?
The credit check itself does not show at UC. The loan can, however, be reported and show at UC later, and an unpaid debt can become a payment remark (betalningsanmärkning) that shows everywhere.
Why is the rate so high?
Lenders that do not use UC mostly offer small unsecured loans and charge for the risk. 6 of the 14 credits here are high-cost credit, with an effective rate of at least 32%.
Can I get a loan with no credit check at all?
No. A lender must assess whether you can repay before you get credit. The law requires it. What differs is which company the check comes from.
How many checks are too many?
There is no fixed limit. Several checks in a short time suggest that you are seeking credit in many places, and that can lower your creditworthiness whichever company makes the checks. Apply where the terms suit you and wait for the answer before you apply elsewhere.
Which credit bureaus are used instead of UC?
The credits here take the check with Bisnode or Creditsafe or Dun & Bradstreet. The company is stated on each row in the list.
What does it cost to compare here?
Nothing. Kreddo is a comparison service: we take no applications and run no credit checks. The check happens only when you apply with a company.