Kreddy - se ditt kreditbetyg

Lendo AB

In-app purchases

About this app

Keep track of your personal finances, always up to date, without hassle - See your UC credit rating and tips on how to improve it. Quick overview of your mortgages, personal loans, credits and CSN loans in one place. The information is retrieved directly from UC and updated daily. Without credit information and completely free of charge.

Download the Kreddy app now and get started!

See your UC credit rating - understand where you stand and what you can improve
Your credit rating is retrieved directly from UC when you log in to Kreddy and is always up to date. Understand what your credit rating means for you and get tips and advice on how to improve it. Compare your creditworthiness with the rest of Sweden. Credit information from UC is used by most banks and credit institutions and therefore gives you good insight into what the bank sees. Without credit information and completely free of charge.

Full control over your loans and credits - Everything in one place, always updated
Your mortgages, private loans, CSN loans and credits are retrieved directly from UC when you log in to Kreddy, the information is updated daily. UC has Sweden's most complete credit register and captures most of your loans and credits. Without credit information and completely free of charge.

Challenge expensive loans and credit costs - Collect your loans and credits
In the Kreddy app you can challenge your loans and credit costs by applying for refinancing loans and credits via Lendo. You also have the opportunity to apply for new loans via Lendo. Lendo is Sweden's largest comparison service for private loans and gives you the opportunity to compare up to 40 different lenders with only one credit information from UC. Free of charge and non-binding.*

Value your home
In the app you can easily find out what your home is worth and follow the development over time. The valuation service uses AI and is always updated when you log in to the app.

See your expected mortgage interest rate
Find out what mortgage interest rate you could get via our mortgage service - directly in the app. We do not take any credit information when you look at your expected mortgage interest rate in Kreddy.

See your expected personal loan interest rate
Use Kreddy's service to see what interest rate you could get on your personal loan when you apply. See the possibility of an approved loan, free of charge and directly in the app.

Protect yourself better against identity fraud
In Kreddy, you can choose to sign up for ID-Skydd from UC. ID-Skydd is a service that protects your personal information and helps you if you have been the victim of ID theft. The service provides you with, among other things, monitoring of events surrounding your identity in the app, such as credit information, and thus makes it easier for you to detect any fraud attempts. It is an optional subscription service that is subscribed to via your AppleiTunes account.

Download the Kreddy app now and get started!

*Calculation example: Annuity loan 12 years. Effective annual interest rate 6.17%. A loan of SEK 200,000 then costs SEK 1,952/month (144 installments), i.e. a total of SEK 281,047. No start-up/cancellation fee. 6% nominal interest (variable interest rate, set individually based on your circumstances). The application will be sent to the lenders that best match your profile, updated 2025-05-08.
Repayment period 1-15 years. Maximum effective annual interest rate (APR) is 23%. Interest rate range between: 4.95%-23%.

Ratings and reviews

It works as it should. No complains. Just that it would be better if one can know exactly that date when the credit rating will be updated. Recently the app has stopped working. Not sure what has happened. Probably a buggy update. I have tried restarting my phone and have also reinstalled the app but still doesn't work 😔 EDIT: After the update on 31st May, app has started working again!

Actually, I thought it was great until I used the Lendo service within the app. The loan was good. The app changed the credit score in a few days, but since then, it only displays the old loan that is paid off, and there is no new info. It's been 6 weeks now.

Useful app to track your credit score. Simple and effective interface. Wish they could add English language option as well. This would be helpful for a lot of expats in Sweden.

What’s new

New feature: Introducing Income Benchmark by Region — get smarter insights tailored to where you live
- Updated visibility of credit score and debt engagement information
- Improved copy for better readiness
- Adjusted configurations for improved performance and stability
- Updated security measures to keep your data safer than ever