What is in Sweden a loan without UC or United Credit
In Sweden, a loan without UC (Upplysningscentralen, or United Credit) refers to a type of credit where the lender does not use UC’s credit-check system to assess the borrower’s financial history.
However, when a lender offers a “loan utan UC,” it means they turn instead to alternative credit agencies (such as Bisnode or Creditsafe) to evaluate the applicant.
The role of a loan without UC is to provide access to financing for borrowers who might otherwise be denied or penalized through UC’s strict system; also since multiple UC inquiries can lower a person’s creditworthiness in the eyes of banks, loans without UC give applicants a chance to borrow without damaging their UC profile further.
Can I obtain a personal loan while being listed negatively in UC in Sweden ?
Yes — it is possible to obtain a personal loan in Sweden even if you are listed negatively in UC (Upplysningscentralen), but the conditions are more restrictive; a negative UC record usually means you have payment defaults or a history of late payments, which makes traditional banks unlikely to approve your application.
Which Swedish lenders propose personal loans to people with problems with UC ?
Here’s a clear and SEO-optimized overview of Swedish lenders offering personal loans to individuals with credit history issues or “UC problems” (i.e., where the applicant may want to avoid additional credit checks or has negative entries in their UC report).
Loans Without UC (Upplysningscentralen)
These lenders do not use Sweden’s primary credit bureau, UC, offering an alternative route if your credit file is problematic or you simply want to avoid further hits on your credit score.
- Saldo Bank – Offers revolving credit and personal loans without using UC, instead relying on Dun & Bradstreet for credit checks. This keeps your UC record unaffected, maintaining a cleaner appearance for future applications.
- Kredio (via broker Kreditium.se) – Acts as a comparison platform offering unsecured loans that bypass UC, using alternative credit check systems like Creditsafe. Loans typically range between 1,000–75,000 SEK with up to 5-year terms. kreditium.se
Other Lenders and Brokers Offering Non-UC Loans
Several lenders or platforms specifically target borrowers seeking loans without UC checks:
From forum and review discussions, the following entities are frequently mentioned for loans without UC:
- LEASY
- Ferratum
- Extralånet
- Klaralån
- Lumify
- Creditstar
- Brixo
- Loanstep
- Nstart
These providers may rely on alternative credit agencies or have more relaxed acceptance criteria, making them potentially suitable for individuals with UC-related issues.
Quick Loans (SMS / Payday Loans)
Certain quick-loan providers (often called SMS loans or payday loans) avoid using UC altogether. Instead, they conduct credit assessments via agencies like Bisnode or Creditsafe.
These lenders process applications quickly and don’t report to UC, but are known for much higher interest rates and fees.
PERSONAL LOAN WITHOUT COLLATERAL PAYDAY LOAN PAY OFF CREDIT CARD DEBT CONSOLIDATION FOR ENTREPRENEUR FOR STUDENT WITH NO JOB AGAINST PROPERTY AGAINST CAR AGREEMENT TEMPLATE PRIVATE MORTGAGE WITH BAD CREDIT WITHOUT CREDIT CHECK WITHOUT BANK FOR SENIOR CITIZEN WITHOUT GUARANTEE PRIVATE SCHOOL LOAN FOR STARTUP FOR FARMER LOAN SCAM WITHOUT INTEREST PRIVATE MICROCREDIT CASH DONATION IMMEDIATE LOAN HALAL P2P LOAN UNIVERSAL CREDIT LOW INCOME SSI RECIPIENT FOR POOR PEOPLE FOR DISABLED FOR LATINO FOR WOMEN FOR HOUSEWIFE WITHOUT DOCUMENT FOR TRADER WITHOUT SSN PIGGYBACK LOAN FOR MASTER’S DEGREE FOR TAXI WITH IBV FOR DOWN PAYMENT LIST OF PRIVATE LENDERS FOR DIVORCE NO UPFRONT FEE WORLDWIDE LENDER UNITED STATES CANADA AUSTRALIA NEW-ZEALAND UNITED-KINGDOM ICELAND LOAN WITHOUT INTEREST INDIA SOUTH-AFRICA ICELAND P2P LOAN CHINA JAPAN LENDER PHILIPPINES MEXICO IRELAND ISRAEL DUBAI SOUTH KOREA PRIVATE LENDING PAKISTAN FRANCE SWITZERLAND GERMANY NETHERLANDS NORWAY SWEDEN DENMARK FINLAND LATVIA GREECE KENYA NIGERIA THAILAND SPAIN ITALY BRAZIL RUSSIA ISRAEL EGYPT CALIFORNIA NEW YORK LOAN TANF-SSI LOAN WITH SRD