Personal Loans in Denmark

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High amount

Matchbanker

Loan amount DKK 1,000 – DKK 500,000

Interest from 2.04%

Min. age 18 years

Duration 1–15 Years

Payout Varies

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Total credit amount: 40,000 kr. - Maturity: 5 years - Monthly payment from: DKK 755 to DKK 1,038 - APR from: 2.04% to 24.99% - Maturity: 1 - 15 years - Total cost of credit from DKK 5,274 to DKK 22,199 - Total repayment from 45,274 kr. to 62,199 kr. - Max APR 24.99%.

High amount

Letfinans

Loan amount DKK 10,000 – DKK 500,000

Interest from 3.69%

Min. age 21 years

Duration 1–15 Years

Payout Varies

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Price range: Total credit amount 150,000 kr. APR 4.11%. Var. debtor interest rate 3.55%. Origination fee 2,550 kr. Total repayment 193,325 kr. Total credit costs 43,325 kr. APR range 3.69% - 24.99%. Performance depends on your credit rating. Possible to cancel the credit agreement within 14 days.

High amount

MyLoan24

Loan amount DKK 5,000 – DKK 500,000

Interest from 2.04%

Min. age 18 years

Duration 12–180 Months

Payout Varies

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Total credit amount: DKK 175,000. - Maturity: 11 years. APR: 7.45% - Variable borrowing rate: 7.00% - Set-up costs: DKK 1,750 - Expected monthly payment: 1,924 kr. - Total repayment: 253,968 kr. - Maturity: 1-15 years. - APR: 2.04-24.99% - Max APR: 24.99%.

High amount

Weblånet

Loan amount DKK 25,000 – DKK 500,000

Interest from 7.53%

Min. age 20 years

Duration 1–15 Years

Payout Varies

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At 7.00% variable debit interest. Price example: Total credit amount DKK 238,000. APR 7.86%. Expenses: DKK 2,380. Total repayment: 307,522 kr. Total credit costs: 69,522 kr.

High amount

Arcadia Finans

Loan amount DKK 25,000 – DKK 500,000

Interest from 11.85%

Min. age 18 years

Duration 1–15 Year

Payout Varies

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Loan 30,000 DKK, loan term over 4 years, variable interest rate: Monthly payment 780 - 900 DKK, borrowing rate 9.95% - 18.95%. APR before tax from 11.85% - 20.84%. Total credit costs DKK 7,402 - 13,119, and the total amount repaid from DKK 37,402 - 43,119. APR 4.9-24.9%. Maturity 1-15 years. * The monthly installment is calculated with an interest rate of 5%.

High amount

Lendo

Loan amount DKK 10,000 – DKK 350,000

Interest from 7.43%

Min. age 18 years

Duration 1–15 Years

Payout Varies

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Calculation example: Total credit amount DKK 10,000. Maturity 3 years. APR 7.95%. Variable borrowing rate 7.00%. Establishment 100 kr. Total repayment 11,232 kr. Term 1-12 years. Interest rate spread 0.00-24.24%.

High amount

Bettercompared

Loan amount DKK 25,000 – DKK 400,000

Interest from 3.6%

Min. age 20 years

Duration 12–180 Months

Payout Varies

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DKK 250,000. - Variable debtor interest rate: 7%. - APR: 7.27%. - Establishment costs: DKK 2,500. - Estimated monthly payment: DKK 2,756. - Total repayment: DKK 322,888. - Total credit costs: DKK 72,888. - Maturity: 1 - 15 years. - APR: 4 - 24.99%. - Max APR: 24.99%.

High amount

Facit Bank

Loan amount DKK 10,000 – DKK 300,000

Interest from 9.39%

Min. age 21 years

Duration 36–120 Months

Payout Varies

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Total credit amount: DKK 40,000. Maturity 60 months. Setup costs DKK 1,600. Variable debtor interest rate 8.21 - 16.08%. APR 11.64 - 19.72%. Monthly payment incl. admin fee DKK 871 - 1,019. Total credit costs DKK 12,254 - 21,120. Total repayment amount DKK 52,254 - 61,120.

High amount

PayMark Finans

Loan amount DKK 10,000 – DKK 150,000

Interest from 19.65%

Min. age 20 years

Duration 36–102 Months

Payout Varies

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DKK 40,000 over 84 months. Variable debtor interest rate: 19.56%. APR: 22.92%. Monthly payment: DKK 908. Total repayment: DKK 76,270 Total credit costs: 36,270 kr. Set-up costs and payment fees are included in all calculations. Based on payment via HomeBanking. Right of withdrawal 14 days.

High amount

Kliklån

Loan amount DKK 10,000 – DKK 200,000

Interest from 24.51%

Min. age 20 years

Duration 48–96 Months

Payout Varies

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Representative example: DKK 10,000 over 84 months. Fixed debtor interest rate: 20.98%. APR: 24.51%. Monthly payment: DKK 235. Total repayment: DKK 19,711. Total credit costs: DKK 9,711. Setup costs and payment fees are included in all calculations. Based on payment via Betalingsservice. 14 days right of withdrawal.

High amount

L'easy Kontantlån

Loan amount DKK 10,000 – DKK 150,000

Interest from 19.65%

Min. age 20 years

Duration 36–102 Months

Payout Varies

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DKK 10,000 over 84 months. Variable debtor interest rate: 19.56%. APR: 22.92%. Monthly payment: 227 kr. Total repayment: DKK 19,067 Total credit costs: 9,067 kr. Set-up costs and payment fees are included in all calculations. Based on payment via HomeBanking. Right of withdrawal 14 days.

High amount

Viiga Lån

Loan amount DKK 10,000 – DKK 200,000

Interest from 21.56%

Min. age 20 years

Duration 48–96 Months

Payout Varies

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Representative example: DKK 10,000 over 84 months. Fixed debtor interest rate: 20.98%. APR: 24.51%. Monthly payment: DKK 235. Total repayment: DKK 19,711. Total credit costs: DKK 9,711. Setup costs and payment fees are included in all calculations. Based on payment via Betalingsservice.

High amount

Unilån

Loan amount DKK 10,000 – DKK 100,000

Interest from 19.7%

Min. age 18 years

Duration 12–120 Months

Payout Varies

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Loan of DKK 50,000 over 72 months. Monthly payment: DKK 1,178. Debtor interest rate: 16.2%. APR: 21.1%. Credit costs: DKK 34,816. Total repayment: DKK 84,816. An administration fee of DKK 33 per month and a setup fee of DKK 4,000 are included in all calculations. 14-day right of withdrawal.

High amount

Creditstar

Loan amount DKK 5,000 – DKK 120,000

Interest from 23.49%

Min. age 21 years

Duration 6–84 Months

Payout Varies

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Representative example: A loan of DKK 100,000 at 22.25% nominal fixed interest rate with a maturity of 84 months gives an APR of 23.49%. The total amount to be repaid is DKK 129,500 distributed over 84 monthly installments of approx. DKK 1,540.

Kreditnu

Loan amount DKK 4,000 – DKK 25,000

Interest from 24.87%

Min. age 23 years

Duration 24 Months

Payout Varies

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Loan example: DKK 8,000 over 24 months. Annual debtor interest rate: 0%. APR: 24.87%. Monthly payment: DKK 416.67. Total repayment: DKK 10,000. Total credit costs: DKK 2,000. Calculation includes a 25% setup fee. Applicant must be between 23-70 years old and must not be registered in RKI or the Debtor Register.

Borrowing costs money. Borrowing costs money. If you cannot repay on time, it may affect your credit record and make future borrowing more difficult. Always compare the total cost of credit before applying.

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Matchbanker

Recommended: Matchbanker Borrow up to DKK 500,000 with interest rates from 2.04%.

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LoanExpat may receive compensation from partners when you click or apply through links on this page. This does not affect our editorial content.

Expats in Denmark seeking a personal loan have several options to finance purchases, consolidate debt, or cover unexpected expenses. These unsecured loans allow you to borrow a specific amount and repay it over a fixed term, typically with a fixed interest rate. The Danish market offers loans ranging from 1,000 DKK up to 500,000 DKK, with repayment periods from 1 year to 15 years.

Understanding Personal Loans in Denmark

A personal loan in Denmark, often referred to as an ‘forbrugslån’, is a flexible credit product. Unlike a mortgage or car loan, it is not tied to a specific asset. This means lenders assess your overall creditworthiness and ability to repay based on your income, employment status, and credit history. Expats may face specific requirements, often needing proof of residency, a CPR number, and a Danish bank account. Some lenders may also require a guarantor or a higher interest rate if you have a limited credit history in Denmark.

Key Loan Features for Expats

• Loan Amount: Available from 1,000 DKK to 500,000 DKK, depending on the lender and your financial profile.
• Repayment Terms: Typically range from 1 year up to 15 years. Shorter terms mean higher monthly payments but less interest paid overall. Longer terms reduce monthly costs but increase total interest paid.
• Interest Rates (APR): Annual Percentage Rates (APR) can vary significantly. The lowest advertised effective rates in Denmark often start around 2.04%, while some lenders go up to 24.99% or higher, especially for those with a less established credit history. Always check the representative APR (ÅOP – Årlige Omkostninger i Procent) for a full cost picture.
• Eligibility: Minimum age is generally 18 or 21, depending on the lender. You must have a Danish CPR number and a bank account. Some providers may have stricter age or residency requirements.
• Speed of Funding: Once approved, funds can often be disbursed within a few business days.

Before applying, it is crucial to understand the total cost of the loan, including interest, establishment fees, and any monthly administration charges. The example calculations provided by lenders are essential for this.

How to Choose the Right Personal Loan

Selecting the appropriate personal loan requires careful comparison. Focus on the Annual Percentage Rate (APR), which reflects the total yearly cost of the loan, including interest and fees. A lower APR generally indicates a cheaper loan.

Consider the repayment period. While a longer term reduces your monthly financial burden, it results in higher total interest payments over the life of the loan. Conversely, a shorter term means higher monthly payments but less interest paid overall. Always assess which repayment schedule aligns best with your budget.

Check the minimum and maximum loan amounts offered. Ensure the loan amount you need falls within the provider’s range. Also, verify the eligibility criteria, particularly age and residency requirements, to avoid unnecessary applications. Remember, this information is for comparison purposes only and does not constitute financial advice. Approval is subject to the lender’s assessment of your application.

Factors Affecting Loan Approval for Expats

As an expat in Denmark, your loan application will be evaluated based on several factors:

• Residency Status: Proof of legal residency in Denmark is typically required.
• CPR Number: A personal identification number (CPR-nummer) is essential for most financial transactions in Denmark.
• Danish Bank Account: Lenders need a Danish bank account for loan disbursement and repayments.
• Employment and Income: Stable employment and sufficient income are primary determinants of repayment ability. Lenders may ask for payslips or tax assessments.
• Credit History: While your credit history in your home country might not be directly transferable, Danish lenders will check your credit record within Denmark (e.g., RKI or Debitor Register). A clean credit history improves your chances of approval and may secure lower interest rates.

Alternatives to Personal Loans

Depending on your needs, other financial products might be suitable:

• Credit Cards: Useful for smaller, short-term financing needs, but interest rates can be high if balances are not paid off monthly.
• Overdrafts: An arrangement with your bank to withdraw more money than you have in your account, typically for short-term liquidity needs.
• Home Equity Loans or Mortgages: If you own property in Denmark, these secured loans generally offer lower interest rates than personal loans, but involve using your home as collateral.
• Debt Consolidation Loans: Specifically designed to combine multiple debts into a single loan, potentially with a lower interest rate and single monthly payment. Explore debt consolidation loans in Denmark for this purpose.

For a broader overview of credit options available to expats in Denmark, consider exploring the country-specific financial guides. You can also find information on other loan types within Denmark using the Denmark loans comparison page.

Conclusion

Securing a personal loan in Denmark as an expat is achievable by understanding the requirements and diligently comparing offers. Always read the terms and conditions carefully, focus on the APR, and ensure the loan fits your financial situation. This guide provides factual information to assist your decision-making process. Remember, this is not financial advice, and loan approval is subject to the lender’s discretion.

Last updated: 22. June 2026