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
Loan management fee
SEK 0
Service open
24/7
Monthly payments from
SEK 999
Interest rate from
19,5%
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.
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Snabb behandling av låneansökan och snabb utbetalning till konto i Nordea.
Enkelt och snabb hantering.
Bra och säkert. Lätt att hantera.
Lätt o snabbt
Snabb behandling av låneansökan och snabb utbetalning till konto i Nordea.
Enkelt och snabb hantering.
Bra och säkert. Lätt att hantera.
Lätt o snabbt