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Loans without UC

When you need it the most

Protect your credit rating and borrow without UC

  • No paperwork, no documents needed
  • Apply with your BankID

Apply for a loan

SEK 20,000
Monthly payment:SEK 1,022
Interest rate:19.5%
Loan management fee:SEK 0 / month
Opening fee:SEK 395
This is only an estimation. Apply to get the offer!* Application process in Swedish

Loan management fee


Service open


Monthly payments from

SEK 999

Interest rate from

Revolving credit with a credit limit up to 20 000 kr with an interest rate of 19,5-39,5%, annual percentage rate (APR) 26,5-74,4% and a loan repayment period 3 to 30 months depending on the amount of credit used. Loan opening fee 395 kr. Loan management fee 0 kr per month. Loan withdrawal fee 45 kr.

Example of loan repayment: In the case of used credit of 5 000 kr, an interest rate of 39,5% and 12 installments, the total amount of the loan and loan costs is 6 672,89 kr (556,07 kr per month) and annual percentage rate (APR) 74,4%.

Loans Without UC

Looking for loans in Sweden? Saldo offers a quick and secure revolving credit. We also offer customers the opportunity to apply for a loan without UC which protects your credit rating if you’re applying for more than one loan in Sweden in a short period of time.

UC, or Upplysningscentralen, is owned by the biggest Swedish banks. They have direct access to the register of UC and are able to monitor the loans you have applied for in the past. You might be marked as a high-risk customer, which can make it difficult for you to apply for bigger loans in Sweden when you plan to purchase a car, home or another big ticket item.

Saldo is obligated by law to check your credit rating for loans in Sweden, however, we don’t use UC. We work with Bisnode, a company that never shares data with third parties. This means that when you apply to borrow money Sweden’s biggest banks won’t know, so it won’t affect your creditworthiness. With Saldo, it has never been easier to apply for a loan without UC.

Fast process

  • 1

    Choose your loan product

    Select one of our products based on your personal needs and your current financial situation.

  • 2

    Fill out the application

    Complete our online form. It’ll take you less than 5 minutes to fill out.

  • 3

    Money directly deposited into your account

    Once we’ve received, processed and approved your loan application (in most cases this takes just a few minutes), money will be instantly deposited into your bank account.

  • 4

    Withdrawals from your credit limit

    Further withdrawals can be made directly from MySaldo or by sending an SMS with SALDO and the amount you want to withdraw (Saldo 500). The amount will only be approved if it’s within your given credit limit.

Apply for a loan without UC

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