Consumer loans
– Loan without property security

Sometimes you may need short-term financing.
Consumer loans without collateral are usually a cheaper alternative to credit cards. We check with several banks to investigate where you get good conditions by comparing offers. Then you don’t have to search in many places and tell the same story time and time again.

Lånekalkulator forbrukslån

Antall år

4 416 kr. Per måned

Nominell rente




0 kr

Eff. rente



900 Kr




45 Kr



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.

What is required to get a consumer loan?

A fixed income of at least 250,000 and that you have reached the age of 23 are required. In addition, you must have a registered address in Norway, and have paid tax in Norway for a minimum of three years. You also cannot have registered payment notices 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.

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.

Refinancing without collateral

You obtain a lower interest rate on the loan if you have security in real estate, but it can still be smart to consolidate expensive small loans and credit card debt into 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 80-85% of the property’s/home’s value. If your total loans (e.g. car loans, credit cards and student loans) exceed 80-85% of the home’s market value, it will be difficult to get a loan with security.

The extra loan

Do you need money for renovations? The extra loan is a credit from 250,000 to 600,000 without establishing security in property. It is then required that you own your own home, even if a mortgage is not established. This is a time-saving option as documents do not have to be registered.

Refinance expensive small loans

You can save many thousands by combining different credits in one consumer loan. 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 of up to NOK 500,000. Read more here .

If you have a payment notice/collection case, but can offer security in property, you can read more about Restart loans , Special loans or loans to delete payment notices .

Loan example:

New consumer loan:
NOK 95,000 over 5 years, effective interest 10.58%, cost: NOK 23,288, Total: NOK 119,283.
Max. effective interest rate 35.5%. The maximum repayment period is 5 years. Estb. fee NOK 995.

200,000 over 8 years, effective interest 9.79%, cost: NOK 80,688, total: NOK 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.

Would you like to speak to an advisor? Then you can call us or visit one of our offices .

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