What we do
We collect the terms of 38 Swedish banks, brokers and lenders, convert them into a comparable effective rate and publish the result with the whole method on show.
We do the maths so you do not have to
Kreddo started in 2019 for a simple reason: almost every Swedish loan comparison ranked by commission, not by what the loan cost. We decided to build one that did the arithmetic properly, and showed its working.
What we are not
We are not a bank, not a broker and not a lender. We do not accept applications, do not collect personal data and never run a credit check on you.
Who we work for
The reader. We receive commission from some lenders, but it does not affect the ranking and its size is not known to whoever sets the score. That is stated in our editorial policy.
Editorial team
The editorial team will be presented with names and credentials once those details are in place. Until then the method stands on its own, the full calculation model is openly published and can be checked.
How we work
Collection
Terms are taken from the lender’s own price lists and SEKKI sheets, never from third-party summaries.
Verification
Licences and company registration numbers are verified against Finansinspektionen’s company register before a lender is added.
Calculation
Every offer is converted into an effective rate for your amount and term using our published model.
Legal review
Anything touching legislation is checked against the primary source before publication and at every known rule change.
Contact
Corrections
If you find a term that is wrong, we want to know. A contact route will be published as soon as it is in place.
Corrections are published with the date of correction, and the changed figure is shown alongside the source it rests on.
Company details
The site is published by LuKas Holdings sp. z o.o, ul. Stefana Batorego 18/108, 02-591 Warsaw, Poland. NIP: 7011306806. EU-VAT: PL7011306806. Contact: kontakt@kreddo.nu.
The company is neither a lender nor a credit intermediary. What we do is comparison and information, and is therefore not under financial supervision. Every lender we list is, and that supervision is what the comparison rests on.
The site does not accept applications, does not collect personal data and never runs a credit check.
Do you need help with debt?
We cannot give personal advice, but your municipality can, free of charge and in confidence. Find your budget and debt adviser via Hallå konsument. If payment trouble is urgent, contact the lender before the due date: most will agree to a repayment plan if you get in touch in time.