Loan Refinance in Denmark

Showing all 15 offers
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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
Apply Now
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
Apply Now
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
Apply Now
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
Apply Now
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
Apply Now
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
Apply Now
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.
All offers shown
Matchbanker
Recommended: Matchbanker Borrow up to DKK 500,000 with interest rates from 2.04%.
Apply Now

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Refinancing a loan in Denmark allows you to replace an existing debt with a new one, often under more favorable terms. This can lead to lower monthly payments, reduced interest costs, or a shorter repayment period. For expats living in Denmark, understanding the options for refinancing is crucial for effective financial management.

The Danish market offers various loan refinancing solutions. You can consolidate multiple existing loans into a single new loan, potentially simplifying your finances and improving your cash flow. This process can help manage debt more efficiently, especially if you currently hold loans with high interest rates.

Key factors to consider when looking to refinance include your current interest rates, the total outstanding balance across all loans, and your personal financial situation. The goal is typically to secure a new loan with a lower Annual Percentage Rate (APR) than your current loans, or to adjust the loan term to better suit your budget.

New lenders may offer different interest rates and terms based on your creditworthiness, income, and the loan amount. It is essential to compare offers carefully. Look beyond the advertised headline rates to understand the full cost of the loan, including any setup fees, administrative charges, and the total repayment amount over the loan’s life.

Understanding Loan Refinancing in Denmark

Loan refinancing in Denmark, also known as ‘kvikllån’ or ‘omlægging af lån’ when referring to general unsecured loans, involves obtaining a new loan to pay off one or more existing loans. The primary benefits are:

  • Reduced Interest Costs: Securing a lower interest rate can significantly decrease the total amount paid over the life of the loan.
  • Lower Monthly Payments: Extending the repayment term can reduce your monthly financial obligations, freeing up cash flow.
  • Debt Consolidation: Combining multiple debts into one loan simplifies repayment and can reduce the number of bills to manage.
  • Improved Financial Stability: A well-structured refinance plan can lead to better debt management and reduce financial stress.

Eligibility for Expats

As an expat in Denmark, your eligibility for loan refinancing will depend on several factors, including:

  • Residency Status: You typically need to have a Danish CPR number and be a registered resident.
  • Credit History: Lenders will assess your credit score and history in Denmark. A good credit history improves your chances of approval and securing better terms.
  • Income and Employment: Proof of stable income and employment in Denmark is usually required. Lenders need assurance that you can meet the repayment obligations.
  • Bank Account: You will need a Danish bank account for loan disbursement and repayments.

When comparing refinancing options, pay close attention to the specific terms and conditions. Some lenders might offer lower initial rates that increase later, or have strict penalty clauses for early repayment. Always read the fine print before committing.

For expats seeking debt management solutions, exploring options across different loan types is advisable. Consider personal loans or consumer loans for refinancing purposes. Information on various loan products in Denmark can be found on our Denmark overview page. Specialists in loan refinancing, like those found through comparison services, can assist in finding suitable offers. You can find more on specific loan types by visiting our Loan Types hub.

The Refinancing Process

The typical process for refinancing a loan in Denmark involves:

  1. Assess Your Current Loans: Gather details of all existing loans, including outstanding balances, interest rates, and monthly payments.
  2. Determine Your Needs: Decide if you aim to lower payments, reduce interest costs, or consolidate debt. Calculate the maximum loan amount you can manage.
  3. Compare Loan Offers: Use comparison tools like the one provided on this page to find lenders offering refinance options. Pay attention to APR, fees, and terms.
  4. Submit an Application: Once you identify potential lenders, complete their online application forms. This usually requires personal information, employment details, and financial history.
  5. Review and Accept Offer: If approved, you will receive a loan offer. Review it thoroughly. If satisfied, sign the agreement.
  6. Loan Disbursement and Repayment: The lender will disburse the funds, usually directly to your existing creditors for consolidation, or to your bank account. You then begin making payments on the new loan.

It is important to understand that credit decisions are made by the lenders based on their internal criteria. This information is for guidance only and does not constitute financial advice. Always conduct your own research and consider seeking professional advice tailored to your personal circumstances.

For a broader selection of loan comparison tools and information relevant to expats in Denmark, explore our Compare Loans in Denmark page. Additional resources on loan refinancing across different countries are available under Loan Refinance guides by country.

Can expats in Denmark refinance existing loans?

Yes, expats living in Denmark with a CPR number and a Danish bank account can generally apply to refinance existing loans. Eligibility depends on the lender's assessment of your creditworthiness, income, and residency status.

What documentation is needed to refinance a loan in Denmark as an expat?

Typical documentation includes proof of identity (passport), proof of address, your CPR number, bank account details, and proof of income, such as payslips or employment contracts. You will also need information on your existing loans.

How does loan refinancing work for debt consolidation in Denmark?

For debt consolidation, the new refinance loan amount is used to pay off all your previous debts. You will then make a single monthly payment to the new lender, potentially at a lower overall interest rate or with more manageable terms.

What is APR, and why is it important for loan refinancing?

APR (Annual Percentage Rate) represents the total annual cost of a loan, including interest and certain fees. It is the most important metric for comparing the true cost of different loan offers, including refinancing options.

Can I refinance a mortgage loan in Denmark?

While this page focuses on general consumer loans, mortgage refinancing is also possible in Denmark. However, the process and requirements differ significantly. For mortgage-specific information, you would need to look for dedicated mortgage lenders and brokers. You can find general information on mortgage loans in Denmark <a href="https://loanexpat.com/denmark/mortgage-loans/">here</a>.

Last updated: 22. June 2026