Free loan comparison in Norway

Loans in Norway
Amount:
NOK
Term:
Sample installment:*
NOK
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Priseks: Eff. rente 15,8%, 65 000kr. over 5 ar, etablering 950kr., Totalt: 92 354kr.
For any purpose
no collateral required
English speaking
customer support
Comparison of loans from
17 Norwegian Banks
The decision even
next day
*Loan repayment plan based on the average interest rate in banks is exclusively informational and does not constitute an offer. Actual payments may vary. Ask the consultant for details. Priseksempel: 65 000,- over 5 år med eff. rente på 17,19 % inkl. etabl. gebyr på 950,- Totalt 94 780,- Nedbetalingstid: 1 - 15 år. Maks. effektiv rente 35,07 %

Loan - step by step

1
Select the amount of the loan and rate
2
Wait for the banks' responses
3
Money payment

Loan - for what?

Consolidation

If you have a lot of financial commitments you can consolidate it in one favorable new loan.

Money transfer to your country

Norwegian banks do not ask about the purpose of the loan, so you can freely transfer money wherever you'd like and spend it on anything you wish.

Credit cards and debits

Very convenient form of a loan is a credit card or debit to your account. In this case, you use the money whenever you want.

Faster loan through BankID

Faster loan through BankID

With BankID you do not have to wait for the documents to be signed in paper form (Norwegian banks send it by post together with a prepaid return envelope). Just click on the link in the email from the Bank, complete basic information, enter the code from the BankID and money may be on your account next day.

You can count on:

  • Repayment of the loan extended up to 15 years
  • The best customer service in Polish/English/Norwegian
  • The best loan offer selected from 17 Norwegian banks

Requirements:

  • Documented steady annual income in the amount of min. 180 000 NOK gross
  • Age over 20
  • Permanent personal number
  • Current legal residence address in Norway

Cheapest consumer loan in Norway

  • Forbrukslån - a loan that you can get for any purpose. This loan is the cheapest on the financial market and has a much lower interest rate (average 11%) than standard credit cards, where the interest rate is approx. 25%.
  • Polish/English/Norwegian/Lithuanian speaking consultant will help you choose the best offer depending on the amount you want to borrow, and your financial capabilities.
  • No collateral required - cash loans in Norway do not require such security measures.
  • Best offer - the service is carried out in cooperation with Folkelånet Telefinans AS, a company that exists in the Norwegian market since 1985. Our partner works with 17 Norwegian banks, so you are guaranteed that you will get the best offer available on the market.
  • No extra charge - we do not charge any fees from customers, the final agreement is concluded between the customer and the bank.
  • For any purpose in Norway - if you need money for an investment, development of your own business, buying or repairing a car, the cash loan is the best solution
  • Early repayment - at no extra cost you can repay the loan. This convenient system allows you to save money, because you do not have to pay any interest.
  • Loan up to 500 000 NOK - an excellent option for those who need fast cash from 5 000 to 500 000 NOK.
Sample loan amount: 65 000, - 5 years, the nominal interest rate: 17.19% initial payment (for an account): 950, total amount: 94 780 Payback period length: 1- 15 years, the maximum effective interest rate: 35.07%
Read more
Amount:
105 000 NOK
Term:
Sample installment:
--- NOK 7.5 %
--- NOK 12,2 %
--- NOK 19,9 %

FAQ

  • Who can get a loan in Norway?

    Practically everyone who has a permanent personal number (personnummer and is registered in Norway can obtain a loan. The loan is granted, usually to people who have income from employment. However, it is also possible to obtain a loan by receiving the unemployment benefit or a rehabilitation (AAP). All these factors are dependent on the requirements of individual banks. It is worth to make inquiries to see if you are entitled to a loan.

  • What is the difference between the permanent personal number (personnummer) and temporary personal number (D-nummer)?

    Temporary personal number (D-nummer) is given to people who intend to stay in Norway for less than six months. Permanent personal number (personnummer) is given to people who reside in Norway for more than 6 months. It consists of 11 digits, where the first six is the date of birth.

  • Which document confirms residence in Norway and earnings from the previous year?

    Pre-tax return (Selvangivelse). The Bank requires that the document was delivered complete, ie it includes all parties, not just the first.

  • Can two people can apply for a consumer loan? (ie marriage, partners)

    Yes, in Norway two people can apply for a loan. Ideally if borrowers are married or related. When applying for a loan with another person you must provide a proof of earnings for both borrowers (even if one of co-loan-takers started working in Norway relatively recently). Both people must meet following conditions: owning personal number (personnummer), providing registered address of residence in Norway and have an income.

  • What is the minimum period of working time in Norway to seek consumer loan?

    Banks have different requirements in Norway, but the longer we work, the better bank will assess our creditworthiness. The document, which confirms earnings, is the pre-tax return (Selvangivelse) from the previous year.

  • For how many years can spread the repayment of the loan?

    Repayment of consumer credit can be spread up to 15 years.

  • How much can I get without security?

    The amount ranges from 5 000 to 500 000 NOK. It depends on the period of employment with one employer, salary and length of stay in Norway

  • Does the bank have the right to ask for what I want to allocate a loan?

    Yes, the bank has right to know for what we want to allocate a loan, but usually does not ask clients for the purpose of the loan.

  • Does the sending of inquiry is obliging?

    No, the form with your data and documents is transferred to financial consultant, who verifies your creditworthiness. Then you get an offer based on responses from 17 banks in Norway. If you choose one of the options proposed, it remains only a confirmation which loan you choose.

  • How long is valid a loan application?

    The application is valid from two weeks to 30 days from the date of submission in the bank by our financial advisor. The length depends on the validity of the procedures of the bank.

  • Does the financial advisor charges a percentage of the loan?

    Does the financial advisor charges a percentage of the loan?

  • In what the bank can get a loan after filling out this form?

    Your inquiry for a loan in Norway will be sent to the 17 Norwegian banks. Thanks to that you will be able to choose the most advantageous offer.

  • Can I get a loan if I am already paying off another loan in Norway?

    Yes, but it all depends on your creditworthiness and the amount of the loan. Many people choose to take a consumer loan to pay off credit card - this seemingly risky operation, is in many cases very profitable and reduce the interest rate on the repaid loan.

  • What kind of loans offer from individual banks in Norway are?

    Loan offers are developed for each client individually. Financial advisor, the Folkelånet Telefinans AS company cooperates with 15 banks in Norway, giving clients the most favorable loan offer.

  • What is a Bank ID and why is needed?

    BankID is an electronic card, which allows you to perform many official activities (eg contact with NAV, Skatteetaten, Altinn etc.) and financial. To use it, you should go to your bank and ask for a service launch. BankID is necessary for the so-called. e-signering, it is na electronic approval of loan offer from the bank. In case of the absence of BankID, the bank from which you want to get a loan will send a courier to the paper agreement to sign.

  • I run my own business, can I apply for a loan?

    Yes, most banks accept applications from self-employed, while the frequent requirement is to have a document stating that you and your spouse are registered under the same address issued by the registry office.

    The documents to be prepared in the first place are næringsoppgave for the previous year and resultatregnskap for the last 2-3 months.

Have questions? Contact us!

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Have a question? Call! 21 98 41 19

Informations about company

Organisasjonsnummer 993 847 887
Company name Inventive Logic S.C.
Address Postboks 1964 Vika, 0125 OSLO