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%.
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.
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.
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%.
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%.
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.
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.
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.
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.
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.
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.
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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This loan calculator is designed to help expats in Denmark quickly compare loan options. You can input your desired loan amount and term to see potential repayment figures from various lenders. Understanding these figures is crucial before committing to any credit agreement.
The Annual Percentage Rate (APR), or ‘ÅOP’ in Danish, is a vital metric. It represents the total cost of a loan, including interest rates, fees, and charges, expressed as an annual percentage. A lower APR generally indicates a less expensive loan. Always compare the APRs when evaluating different loan offers.
Danish lenders typically require borrowers to be at least 18 years old, though some providers may have a higher minimum age requirement (e.g., 20 or 21). Proof of stable income and a CPR number (personal registration number) are standard requirements for most loan applications in Denmark. For expats, securing a loan might involve additional documentation related to residency and employment status.
Loan terms in Denmark can vary significantly, from short-term options measured in months to longer-term loans extending over several years. The duration of the loan directly impacts the monthly repayment amount and the total interest paid. Longer terms usually mean lower monthly payments but higher overall interest costs.
Key considerations when using the loan calculator:
Loan Amount: Ensure the amount you select is precisely what you need. Borrowing more than necessary increases the total repayment cost.
Loan Term: A shorter term means higher monthly payments but less interest paid over time. A longer term reduces monthly payments but increases the total interest burden.
APR (ÅOP): This is the most important figure for comparing loans. Always compare offers based on the APR.
Fees: Be aware of any setup fees, administration fees, or other charges that might not be immediately obvious but are factored into the APR.
Provider Requirements: Each lender has specific eligibility criteria. Check these before applying to avoid unnecessary rejections. Common requirements include age, residency status, and credit history.
Securing financing as an expat in Denmark can present unique challenges. Understanding the local credit market and the specific requirements of Danish lenders is essential. This calculator provides a starting point for comparing available loan products. Remember that clicking through to a provider does not guarantee loan approval; lenders assess each application individually based on their risk assessment criteria.
For more information on financial products and options available to expats across different countries, visit our Countries hub.
Denmark offers a range of loan types. Beyond standard personal loans, you might encounter options like payday loans or SMS loans for smaller, short-term needs, or mortgage loans for property purchases. You can explore various loan types here.
If you are specifically interested in exploring other financial products available in Denmark, you can find more details on all loan types in Denmark.
For those seeking to compare loans in Denmark, this calculator serves as a primary tool, but always review individual provider details carefully.
Disclaimer: This information is for educational purposes only and does not constitute financial advice. LoanExpat.com is an independent comparison service. We do not provide loans directly. All loan applications are subject to the individual lender’s terms and conditions, including credit checks and approval. Rates and terms are subject to change and availability. Always conduct your own due diligence and seek independent financial advice if necessary.
What is the minimum age to apply for a loan in Denmark?
Generally, you must be at least 18 years old to apply for a loan in Denmark. However, some lenders may have higher age restrictions, such as 20 or 21 years old.
What documents are typically required for a loan in Denmark for expats?
Standard requirements usually include a valid CPR number, proof of income, and residency status. Expats may need to provide additional documentation such as employment contracts or residence permits.
How does the loan calculator work?
The loan calculator allows you to input your desired loan amount and repayment term. It then displays estimated monthly payments and total costs based on the APRs and terms offered by the lenders listed on the page. This helps you compare different loan offers side-by-side.
What does APR (ÅOP) mean in Denmark?
APR, known as ÅOP (Årlige Omkostninger i Procent) in Danish, represents the total cost of a loan over a year, including interest, fees, and other charges. It is the most reliable figure for comparing the true cost of different loan offers.
Is it possible to get a loan in Denmark without a CPR number?
While some very short-term loans might have different requirements, a CPR number is a standard requirement for most loan applications in Denmark. It is essential for verifying identity and creditworthiness within the Danish system.
Last updated: 22. June 2026
This calculator provides an estimate only. Actual terms depend on the lender and your credit assessment.
