Deep dive into your credit score
Together with UC, we have developed a Credit score tracker: a service that allows you to see your credit score from UC directly in the Anyfin app. It's completely free and does not affect your rating.
What is UC?
UC (Upplysningscentralen) is a Swedish company that provides credit information to lenders, assessing your financial situation and ability to repay loans.
It's used by lenders and businesses to calculate the risk of lending you money. The credit score is based on things such as your income, your debts, your employment status and whether you've missed payments before.
Good news: You can easily check your UC score in the Anyfin app. That way, you’ll always keep an eye on your personal rating.
Frequently asked questions: Credit score tracker
Does it cost anything?
No, checking your UC score in the Anyfin app is a free service for you.
What is a credit score?
A credit score is pretty much what it sounds like – a score of your creditworthiness. When you take loan from the bank, shop on credit or apply for a credit card, the lender looks at your credit score.
It's a way for them to estimate how likely you are to be able to repay what you borrow. Or rather, how big is the risk that you won't be able to pay. A higher risk for the lender, usually means a higher interest for you.
Does the service affect my credit score?
No. If you check your UC score in the Anyfin app, it won’t affect your rating.
How does Anyfin use UC score?
The UC score is part of our credit assessment. But since it doesn't provide a perfect picture, we also look at other things when you apply.
Therefore, a good UC score doesn’t guarantee loan refinancing with us. But the opposite is also true – we may accept a lower score if other aspects of your finances are strong.
Does viewing my score require a credit check?
No, we don't.
However, if you refinance a loan with us, we always do a credit check with UC.
Become an expert at your UC score
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Representative example
A refinancing loan of 5,000 SEK at 17.40 % nominal interest rate with a repayment period of 18 months, with 18 installments of 318 SEK, results in a total effective interest rate of 18.86 %. The total repayment amount will be 5,717 SEK.
The maximum amount that can be refinanced with Anyfin is 300,000 SEK. The loan term can be as short as 1 month and as long as 120 months, depending on the current term. The nominal interest rate can range from a minimum of 7.95 % to a maximum of 19.90 %. The effective interest rate can range from a minimum of 8.25 % to a maximum of 21.28 %.