Loans without UC

Data kontrollerad 19 Oct 2026 Last updated 25 Sept 2026

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.

What is the maximum amount of money I can borrow without UC?

Taking a loan from a broker or lender that doesn't use UC AB for their credit checks, you are able to loan up to 150 000 SEK.

Key things to know about loans without UC

They are more expensive than other types of private loans due to high interest rates.
They have fewer requirements on you as a borrower, meaning that if you have lower credit score for instance, you are usually able to get a loan.
The payouts for loans without UC are usually much quicker, since the banks that provide this service can pay out via things like Trustly, compared to larger banks that do bank transfers.
Taking a loan without UC will of course, not affect your credit score in the UC report that is in your name.

Kredio

Compare loans without uc with Kredio

Loan amount 1 000 - 150 000 kr
Loan term 1 - 8 yr
Effective interest rate 33,18 %

Kredio helps you compare lenders that offer loans without UC in a simple and transparent way. Get a clear overview of possible loan options, terms and costs before choosing whether to continue with a lender.

Apply now

Få skräddarsydda låneförslag

Written by Kevin W Reviewed by Simon Klaesson

Table of contents

What Is Loans Without UC?
Who are UC AB?
Loans Without UC - Why it's Common in Sweden
How Much Does It Cost To Loan Without UC?
Requirements to Get a Loan Without UC
How Do You Get a Loan Without UC?
Frequently Asked Questions

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 as well.

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 mortgage 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.

Apply now

Loan amount	Repayment period	Monthly payment	Interest cost	Fees	Total payback
35 000 kr	1 yr	3 370,32 kr	4 170,83 kr	1 273 kr	40 443,83 kr
35 000 kr	3 yr	1 376,66 kr	11 870,83 kr	2 689 kr	49 559,83 kr
35 000 kr	5 yr	977,93 kr	19 570,83 kr	4 105 kr	58 675,83 kr

In the example we have used the lowest possible interest rate at Ferratum (22 %). The monthly fee at Ferratum is 59 kr and the setup fee is 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, address 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, as well 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 transferred 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

Are loans without UC safe?

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.

Answered by:

Kevin W Expert

Are loans without UC expensive?

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.

Answered by:

Kevin W Expert

Kevin W

Last updated 25 Sept 2026

[email protected]

Kevin har under flera års tid skrivit artiklar och nyheter inom konsumentkrediter. Hans mål är att göra ekonomiska begrepp och koncept enkla att förstå, så att du kan ta välgrundade beslut innan du tecknar ett lån.

Loans without UC

Here You Can Compare Loans Without UC

Merax

Ferratum

Kredio

Binly

Brixo

Saldo

Flexkontot

Fairlo

Banky

Creditstar

What Is Loans Without UC?

Who are UC AB?