Consumer loans
Sometimes you may need short-term financing.
Unsecured consumer loans are usually a more affordable alternative to credit cards.
This is how we help you:
Fill in the application form
It only takes a few minutes and is completely
free and non-binding for you.
We talk to the banks
Your advisor will talk to our partners and find the
best solution for you.
Receive a non-binding offer
Once we've landed the solution we
most believe in, we'll contact you for a
no-obligation quote.
Consumer loans without collateral
You get a lower interest rate on the loan if you have security in real estate, but it can still be smart to gather expensive small loans and credit card debt in an unsecured consumer loan. Often it is one of these reasons why you cannot get refinanced with certainty:
- You do not own real estate, and a consumer loan is therefore the only option.
- You own real estate, but your total debt amounts to more than 90% of the value of the property/home. If your total loans (e.g. car loans, credit cards and student loans) exceed 90% of the property’s market value, it will be difficult to get a secured loan.
Don't pay more than you have to on your loans!
It is smart to choose the loan that offers you the lowest effective interest rate. It includes term fees and set-up fees. The effective interest rate will be lower the longer you extend the loan in time, but the total interest costs will be greater than if you pay off your loan quickly.
Combine expensive small loans into one consumer loan
You can save many thousands by combining different credits in one consumer loan. Looking to get rid of that expensive credit card debt?
The interest rate is lower, you save on fees and you get one loan to deal with and thus a more transparent economy.
You can collect loans up to 800,000. The loan can be redeemed at any time at no extra cost. Extraordinary payments will reduce the total cost of the loan.
Conditions for mortgages
- Fixed income of minimum 250,000
- Age: from 23 years
- You must have a registered address in Norway and have paid tax in Norway for at least three years.
- You cannot have registered payment remarks or debt collection
- When refinancing, the term must be equal to or shorter than the one you have today, up to 15 years. The maximum term for new loans is five years.
Loan example new consumer loan:
Loan NOK 95,000 over 5 years, effective interest rate 10.58%, cost: 23.288,-, Total: 119.283,-.
Max. effective interest rate 35.5%. The maximum repayment period is 5 years. Estb. fee NOK 995.
Refinancing:
200,000 over 8 years, effective interest rate 9.79%, cost: 80.688,-, total: 281.683,-.
Max. effective interest rate 34.85%. Estb. fee NOK 995.
Repayment period for refinancing: up to 15 years, depending on the repayment period of the loan to be refinanced.
Loan calculator for consumer loans
Maximum repayment period is 15 years
Totalbeløp
Kostnad
Etabl.gebyr
Termingebyr
Effektiv rente
This is how we help you:
Fill in the application form
It only takes a few minutes and is completely
free and non-binding for you.
We talk to the banks
Your advisor will talk to our partners and find the
best solution for you.
Receive a non-binding offer
Once we've landed the solution we
most believe in, we'll contact you for a
no-obligation quote.
Free and fast case management
With us, you will be assigned a dedicated advisor who will help you every step of the way. After
a pleasant conversation with you, we map out your financial situation.