Loans without UC
On this page we will discuss the opportunities of taking a loan without a credit check being done on you by UC AB (Upplysningscentralen) as well as explaining who they are, what they do, and why it matters to you.
Kredio - Currently the Best Broker For Loans Without UC
Kredio is one of the best brokers in Sweden for loans without UC. Kredio works with multiple lenders that are able to approve a loan for you, and they do not use UC AB when a credit check is made. Instead Kredio uses Creditsafe, and you will get multiple offers with just one application.
Ansök nu Få skräddarsydda låneförslagHere You Can Compare Loans Without UC
What Is Loans Without UC?
A loan without UC is when a lender or broker, performs a credit check, using another company instead of UC AB (Upplysningscentralen AB). Examples of other agencies that are being used to perform a credit check are:
- Dun & Bradstreet
- Creditsafe
This type of loan is for individuals who want to avoid getting their credit score on the UC report affected, whilst still being able to apply for new loans.
Who are UC AB?
UC is Sweden's biggest credit check company, started in 1977. When you apply for loans in Sweden, most banks and companies use UC AB to look up information about you and to see if you can pay back the loan.
What Information Shows Up When a Credit Check is Being Made?
UC collects information like:
- Your personal details (name, ID number, address)
- Any unpaid bills or debts
- Your income and job
- Your history of paying back loans
- If you own property or have other financial responsibilities
Where Does UC AB Get This Information?
UC gets information from:
- Public records
- Debt registers
- Banks and lenders
- The Tax Agency (for your income)
- Company records (for businesses)
Loans Without UC - Why it's Common in Sweden
When someone checks your UC-report, it gets noted in their system. Too many checks in a short time can hurt your credit score. If you have unpaid bills or other problems according to the UC-report, it can make it harder to get a loan aswell.
The reason borrowing money without a credit check from UC AB is a thing in Sweden is because individuals sometimes want to take a loan, either for emergency reasons, like buying a new freezer because your current one broke, but don't want their credit score on their UC report being affected.
Why Uc-Score Is Important for You
The reason the credit score on your UC-report is important is because that report is what the major banks such as Swedbank, Nordea, SEB, just to name a few, uses to evaluate loan applications. If your credit score is low on the UC-report, you will not be able to take major loans like mortage loans or car loans, which are usually needed when you want to take big steps in life.
How Much Does It Cost To Loan Without UC?
To give you an overview on how much it costs to take a loan without UC, we'll show the costs for a loan when taking it from Ferratum, which is one of the largest lenders in Sweden when it comes to taking a loan without UC.
| Belopp | Amorteringstid | Månadsbetalning | Räntekostnad | Avgifter | Återbetala | Efter ränteavdrag |
|---|---|---|---|---|---|---|
| 35 000 kr | 1 år | 3 385,96 kr | 4 358,52 kr | 1 273,00 kr | 40 631,52 kr | 39 323,96 kr |
| 35 000 kr | 3 år | 1 391,50 kr | 12 405,02 kr | 2 689,00 kr | 50 094,02 kr | 46 372,51 kr |
| 35 000 kr | 5 år | 992,61 kr | 20 451,52 kr | 4 105,00 kr | 59 556,52 kr | 53 421,06 kr |
I exemplet har vi utgått från lägsta möjliga räntan hos Ferratum (22.99 %). Avikostnaden hos Ferratum är 59 kr och uppläggningsavgiften är 565 kr.
Requirements to Get a Loan Without UC
- You must be at least 18 years of age
- Have an income, however it does not have to be a lot
- Be a resident in Sweden
- Have a Swedish Personal Identification Number (personnummer)
- Have access to BankID
- Own a Swedish bank account
How Do You Get a Loan Without UC?
Select a Lender or Broker
When you select a specific lender or broker, you will be sent to their website and directly forwarded to their application form.
Fill Out Your Personal Information
You want to fill out the information the lender is asking of you. This varies from lender to lender on what they want you to fill in, but expect to be having to type out your email, phone number, adress and then having to confirm your application with BankID.
Wait for a Response
Once you've sent in an application, you'll have to wait for a response. Depending on what lender or broker you choose, aswell as what time during the day you applied, you might get a response in just a few minutes.
If Approved, Review the Terms
If you at this point got approved for a loan, review the terms of the loan. It's important to note that you are not obliged to sign the contract just because you applied for the loan.
If You Are Happy With the Terms, Sign the Contract
After reviewing the terms, and you are satisfied with the offer you got, you simply just sign the contract sent to you with BankID, and now the money will be transfered to your assigned bank account. The money will usually be on the account either on the same day or the day after.
Frequently Asked Questions
Yes, they are just as safe as any other loan. Any lender or broker that we have listed on our site are licensed by Finansinspektionen to provide their service.
Yes, loans without UC are often more expensive than private loans from a bank. The reasoning is that these lenders usually take a bigger risk by lending to people with lower credit scores. To make up for that risk, they usually charge higher interest. These loans are also often small, must be paid back quickly, and have a lot of fees tied to them which makes the total cost even higher.
Gustav Ternander
Senast uppdaterad 2025-04-09Gustav Ternander är sedan hösten 2021 skribent här på Kreditium.se Han har en examen inom ekonomi och har tidigare jobbat på såväl små som stora banker i Sverige. Gustav har stor kunskap om konsumentkrediter och skriver utifrån detta djupgående artiklar om allt som berör lån här på Kreditium.se.
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