Borrow, save and invest through
our Nordic finance portal.


Save with 7% yearly return
Preference share account
Save with reduced tax
  • Monthly payoff of returns
  • Only 25% taxes for private investors
  • Completely tax free for corporate investors
Already a customer? Login here

Invest in Peer-to-Peer loans
P2P Investment
Invest without fees and with high yearly returns
  • High risk-adjusted return
  • Payments directly to your account
  • Get increased risk diversification in your portfolio
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Get a Line of Credit
Line of Credit
Apply once, borrow many!
  • Borrow between SEK 5 000 - 30 000
  • Apply and get notified immediately
  • 24% fixed annual interest rate
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Simple private loan without UC
Borrow without hidden fees
  • Borrow between SEK 10 000 – 30 000
  • Fixed monthly installment amount
  • 25% fixed annual interest rate
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Bigger private loan
Borrow without hidden fees and no UC
  • Borrow between SEK 20 000 – 80 000
  • Fixed monthly cost
  • Individual interest from 8%
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Frequently Asked Questions

A Line of Credit means that you as a customer only need to apply for a loan once and thereafter you can, after you have paid off the loan, draw the entire loan amount again based on your needs.

You as a borrower can also choose to pay off on your Line of Credit faster than the recommended monthly payments. You do this without any extra fees. With us, you only pay off your loan and interest on your loan, which means that the faster you pay off your loan, the cheaper it will be.

Private loans are loans without security. They are usually called unsecured loans. The difference between a private loan and a mortgage is that you have the security of your home when you apply for a mortgage. This collateral is not available on private loans.


When applying for a private loan, there is no requirement as to what the money should go to. You can borrow whatever you want; a new car, renovation, a wedding or to pay off on other loans with higher interest rates.

It is true that you only tax 25% dividends through our savings form ‘Save with 7% return per year’. That is because what you invest in is called preference shares and these are favored in tax law.

Untie Lending does not withhold any provisional tax but pays the entire dividend directly to the shareholders’ accounts. Untie Lending then submits control data for individuals to the Swedish Tax Agency. The shareholder must then declare his / her own dividend on form K12 in order to receive the lower capital tax.

The basic idea of peer-to-peer lending is that you, like the bank, lend your money at a higher interest rate than the one you deposit your money for. With us everything is automated. Which means that you only need to register, deposit money, and then decide how much money you want to lend per loan and whether you want to invest in companies or individuals.

We continuously carry out credit controls on all borrowers of exactly the same type as the bank does if you apply for a loan yourself. Through us you can spread your risk by making yourself the owner of small shares of many loans.

It is normal for a few individual borrowers to have payment problems, but this is always taken into consideration when calculating your profits.