risicum lån (riscium logo)

The Breakdown

Risicum har två olika typer av lån som de erbjuder till sina låntagare. Både snabblån med en fast avbetalningstid och ett lån med en helt flexibel avbetalningstid. Nya låntagare kan låna helt räntefritt under 30 dagar.

Risicum Capital (Riscium)


Risicum drivs av Risicum Capital AB som även driver Lånbutiken och som finns i flera länder i Europa. Då det är ett av de större företagen inom korttidskrediter både i Sverige och i flera andra länder så är det en långivare som alltid kan hjälpa till om man har ett behov av ett smslån. Risicum är en långivare som erbjuder sina låntagare två olika typer av lån varav det ena är vanliga smslån men de har även en låneform som kallas för kreditlån. Lånen är uppdelade i olika belopp och man kan som låntagare ansöka om ett lån på hela 15 000 kr hos Risicum med en flexibel avbetalningstid.

Använder man sig av Risicum lån så är dessutom de första 30 dagarna helt räntefria om man är en ny kund. Återkommande kunder betalar däremot ränta även för de första 30 dagarna.

Så oavsett vilka lånebehov man har så är Risicum smslån en långivare som kan hjälpa till att lösa detta så länge som man inte behöver låna mer än 15 000 kr, då får man vända sig till en annan långivare.

Mer Om Kontakta

Låna pengar hos Risicum (Riscium)

Risicum har två olika lån som de erbjuder sina låntagare:

  • Smslån på mellan 1000 kr och 12 000 kr med en löptid på mellan 30 och 90 dagar
  • Kreditlån på mellan 1000 kr och 15 000 kr med en flexibel löptid

Genom att använda sig av Risicum så får man två varianter att välja mellan när det gäller lån och krediter. Med ett smslån hos Risicum så kan man låna upp till 12 000 kr men med ett kreditlån så kan man låna upp till 15 000 kr. Båda varianterna har sina fördelar men det är framförallt kreditlånet som är det mest fördelaktiga. Med ett sådant så avgör man själv helt när man ska betala tillbaka lånet och man behöver enbart betala en viss summa per månad. Så man får en mycket större flexibilitet när man använder av Risicums kreditlån än om man använder sig av deras smslån.

Krav för att bli beviljad ett lån hos Risicum (Riscium)

För att bli beviljad ett lån hos Risicum måste man uppfylla följande generella krav:

  • Minst 18 år
  • Folkbokförd i Sverige i minst 2 år
  • Regelbunden inkomst
  • Bank-id eller Nordea personkonto
  • Inga betalningsanmärkningar eller skuldsaldo hos Kronofogdemyndigheten

Beroende på vilket belopp som ansökan gäller så skiljer sig kravet på hur stor inkomst man behöver. Det gör att man måste vara beredd på att de större lånen kräver en relativt hög inkomst för att ansökan ska bli beviljad. Så länge som man uppfyller de generella kraven som Risicum ställer och har en regelbunden inkomst så ska det inte vara några problem att få ett lån beviljat.

Kreditupplysning hos Risicum

Risicum använder sig inte av Upplysningscentralen utan använder sig istället av Bisnode AB för sina kreditupplysningar. Något som underlättar markant om man vill undvika att ansökan syns nästa gång någon tar en kreditupplysning.


Risicum tillåter inte att deras låntagare har betalningsanmärkningar och därför behöver man inte ansöka om ett lån från Risicum om man har sådana. Detsamma gäller om man har ett skuldsaldo hos Kronofogdemyndigheten.

Övrigt om Risicum

Risicum drivs av en av de större långivarna i Europa och finns i flera länder utöver Sverige. I Sverige så drivs Risicum Capital AB även Lånbutiken. Båda långivarna förser sina låntagare med ett bra lån till låga räntor och bra villkor.

Fördelar med Risicum

+ Trygg och erfaren långivare

+ Låga lånekostnader

+ Utbetalning på helger

Nackdelar med Risicum

– Kundtjänsten är stängd på söndagar

– Accepterar inte betalningsanmärkningar

Ansök nu!


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