Loan Calculator in Norway

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High amount

Uno Finans NO

Loan amount NOK 10,000 – NOK 600,000

Interest from 5.01%

Min. age 20 years

Duration 1–15 Year

Payout Varies

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Effective interest rate 12.71%, NOK 150,000, o/5 years, cost NOK 49,237. Total of NOK 199,237.

High amount

Zensum NO

Loan amount NOK 20,000 – NOK 600,000

Interest from 5.25%

Min. age 25 years

Duration 1–5 Year

Payout Varies

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Example interest rate: Eff. interest 11.46%, NOK 150,000, o/5 years, Cost: 45 234 kr. Total of NOK 195,240

High amount

Lendo.no

Loan amount NOK 10,000 – NOK 500,000

Interest from 7.54%

Min. age 20 years

Duration 1–15 years

Payout Varies

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The repayment period ranges from 1 to 15 years, or 5 years if you do not need to refinance. The nominal interest rate varies from a minimum of 4.9% to a maximum of 23.44%. The effective interest rate ranges from a minimum of 8,17% to a maximum of 34,16% (!), so it can be very beneficial to choose the best offer. Example: NOK 140,000 over 5 years, effective interest rate 13.44%, cost NOK 49,412, total NOK 189,412.

Accepts remarks

Okida NO

Loan amount NOK 300,000 – NOK 1,000,000

Interest from 5.2%

Min. age 23 years

Duration 25–30 Year

Payout Varies

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Example: Effective interest rate of 8.55% on a loan of NOK 2 million over 25 years, cost NOK. 2,622,146, total kr. 4.622.146

Accepts remarks

Nanofinans

Loan amount NOK 5,000 – NOK 600,000

Interest from 9.88%

Min. age 21 years

Duration 1–20 Year

Payout Varies

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The interest rate is variable and set individually. Nominal interest rate 11.9%, effective interest rate 13.14%, loan amount NOK 200,000 with repayment over 5 years, cost NOK 69,078, total NOK 269,078. Eff. interest rate: 6,82%-48,76%.

High amount

Morrow Bank NO

Loan amount NOK 10,000 – NOK 500,000

Interest from 6.36%

Min. age 20 years

Duration 1–5 Year

Payout Varies

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Loan example: nominal interest rate 8.67%, effective interest rate 10.34%, NOK 90,000 o/5 years, set-up fee NOK 870, term fee NOK 35/ month. Cost NOK 24,407, total NOK 114,407. Max. effective interest rate 32.10

High amount

Sambla NO

Loan amount NOK 5,000 – NOK 800,000

Interest from 5.17%

Min. age 25 years

Duration 1–15 Year

Payout Varies

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Example: The interest rate is variable and set individually. Annuity loan NOK 150,000, 5 years, nom. interest 12%, estab./term fee NOK 0 gives eff. interest 12.68%. Total cost: NOK 200,200 or NOK 3,337/month (60 payments). Repayment period 1-15 years, 5 years if you are not refinancing. Eff. interest: 5.17%-48.76%.

High amount

DigiFinans NO

Loan amount NOK 5,000 – NOK 800,000

Interest from 7.2%

Min. age 20 years

Duration 1–15 Year

Payout Varies

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Repayment period 1–15 years (max 5 years if you are not refinancing). Nominal interest rate from 7.0–40.0% p.a. Effective interest rate from 7.2–49.8% p.a. depending on loan amount and repayment period. The interest rate is variable and set individually after a credit assessment. Example: NOK 230,000 over 6 years, nominal interest rate 11.39%, effective interest rate 12.00%, monthly installment approx. NOK 4,424, total to pay NOK 318,522.

High amount

Långivere

Loan amount NOK 20,000 – NOK 600,000

Interest from 11.46%

Min. age 25 years

Duration 1–15 Year

Payout Varies

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Example: Annuity loan 150,000 NOK, 5 years, nominal interest rate 10.90%, estab./term deposit 0 NOK gives effective interest rate 11.46%. Cost: 45,234 NOK. Total cost 195,240 NOK, cost 3,254 NOK/month. Repayment period 1-15 years, 5 years if you are not going to refinance. Updated 2025-03-24

High amount

Thorn NO

Loan amount NOK 20,000 – NOK 250,000

Interest from 11.71%

Min. age 21 years

Duration 2–10 Year

Payout Varies

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"Thorn Privatlån Pluss / TryggLån Representative example: effective interest rate 26.0%, 25,000, o/5 years, cost 17,588, total 42,588. The example is calculated based on the monthly amount being paid via direct debit and that the agreement's repayment plan is adhered to. Thorn Samlelån Representative example: effective interest rate 14.42%, 120,000, o/8 years, cost 77,204, total 197,204. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan."

High amount

Låneråd NO

Loan amount NOK 10,000 – NOK 800,000

Interest from 8.19%

Min. age 25 years

Duration 1–20 Year

Payout Varies

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Example: Nominal interest rate 11.9%, effective interest rate 13.20%, loan amount NOK 135,000 with repayment over 5 years, cost NOK 101,038, total NOK 236,038. Establishment fee varies from NOK 0 to 1,990. The repayment period is 1 to 20 years. Max 5 years if you are not refinancing. Nominal interest rate varies from a minimum of 6.9% to a maximum of 23.4%. Effective interest rate varies from a minimum of 8.19% to a maximum of 26.23%.

Viiga Lån NO

Loan amount NOK 10,000 – NOK 40,000

Interest from 11.09%

Min. age 21 years

Duration 1–5 Year

Payout Varies

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Representative example: effective interest rate 26.1%, 25,000, o/5 years, cost 17,674, total 42,674. The example is calculated based on the monthly amount being paid via direct debit and that the agreement's repayment plan is adhered to.

Paymark Finans NO

Loan amount NOK 10,000 – NOK 90,000

Interest from 8.71%

Min. age 21 years

Duration 1–5 Year

Payout Varies

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"Representative example: Eff. interest 24.24%, 26300, o/5 years, cost. 17206, tot. 43506. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan. "

Klikklån NO

Loan amount NOK 10,000 – NOK 70,000

Interest from 11.49%

Min. age 21 years

Duration 1–5 Year

Payout Varies

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Representative example: effective interest rate 28.79%, 40,000, o/5 years, cost 31,208, total 71,208. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan.

High amount

L'easy NO

Loan amount NOK 10,000 – NOK 100,000

Interest from 31.6%

Min. age 25 years

Duration 1–5 Year

Payout Varies

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Representative example: effective interest rate 31.60%, NOK 30,000, o/5 years, cost NOK 25,794, total NOK 55,794. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan.

Credit line

Ferratum NO

Loan amount NOK 1,000 – NOK 50,000

Interest from 48.17%

Min. age 20 years

Duration 0–60 months

Payout Varies

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Representative loan example Ferratum Fleksikreditt: 48.17% eff. interest, 30,000, o/12 months, 39.97% nom. interest, cost. 6,494.72 kr. Total: 36,494.72 kr.

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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Uno Finans NO

Recommended: Uno Finans NO Borrow up to NOK 600,000 with interest rates from 5.01%.

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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.

This loan calculator tool allows you to compare various loan products available in Norway. You can assess different loan amounts, repayment periods, and interest rates to find financial solutions suited to your needs as an expat.

Understanding the terms and conditions associated with any loan is critical. The information presented here is for comparison purposes only and does not constitute financial advice. All loan applications are subject to credit assessment by the individual providers.

Below, you can find detailed information regarding loan options in Norway, including specific features and potential costs based on the data provided by lenders. Use the calculator interface to adjust variables and see potential outcomes.

Understanding Loan Terms in Norway

When applying for a loan in Norway, understanding key financial terms is essential. The effective interest rate (eff. rente) is the most crucial figure as it includes all costs associated with the loan, such as fees and interest, expressed as an annual percentage. A lower effective interest rate generally means a cheaper loan.

In Norway, loans are typically denominated in Norwegian Kroner (NOK). Repayment periods can vary significantly, ranging from a few months to several years, depending on the loan type and amount. Most providers offer flexible repayment terms, but it is important to check the maximum duration and any penalties for early repayment.

• Minimum and Maximum Loan Amounts: Lenders have varying limits. For instance, some providers like Uno Finans NO and Zensum NO offer up to NOK 600,000, while others specialize in smaller amounts. Okida NO offers loans up to NOK 1,000,000.
• Repayment Periods: Terms can range from 1 to 15 years (e.g., Uno Finans NO, Lendo.no, Sambla NO, DigiFinans NO, Långivere NO), or up to 30 years for larger amounts (Okida NO). Some providers limit repayment to 5 years if you are not refinancing.
• Interest Rates: Nominal interest rates can vary greatly, influencing the final cost of the loan. Effective interest rates provide a more accurate picture of the total cost. For example, rates can start as low as 4.9% (Uno Finans NO, Zensum NO, Lendo.no, Långivere NO) but can go much higher, with some providers showing maximum effective rates upwards of 48.76% (Sambla NO). Ferratum NO shows a significantly high minimum effective interest rate of 48.17%.
• Age Requirements: Most lenders require borrowers to be at least 20 or 21 years old, with some extending their maximum age limit to 70, 90, or even 99 years old (Okida NO).

Loan Comparison Factors for Expats

As an expat in Norway, securing a loan requires careful consideration of several factors. Beyond the interest rate, understanding the provider’s reputation, the total cost of the loan, and any special conditions is important. Many providers offer tools to help you estimate repayment costs.

Each provider has specific criteria. For example, Nanofinans and Okida NO accept remarks on applications, which might be relevant if you have a non-standard financial situation. The time unit for loan duration is typically in ‘Year’, but check carefully as some examples may refer to months, as seen with Ferratum NO (up to 60 months).

Specific Loan Provider Details

• Uno Finans NO: Offers high loan amounts up to NOK 600,000 with repayment terms up to 15 years. The minimum interest rate is competitive at 4.99%.
• Zensum NO: Also provides up to NOK 600,000 with a minimum interest rate of 4.90%. Repayment is limited to 5 years.
• Lendo.no: A comparison service that facilitates finding loans up to NOK 500,000. They note a wide range for effective interest rates, from 8.17% to a high of 34.16%.
• Okida NO: Specializes in larger loans up to NOK 1,000,000 with extended repayment periods (25-30 years). They also accept remarks on applications.
• Nanofinans: A flexible option with loans up to NOK 600,000 and the possibility of revolving credit. Accepts remarks.
• Sambla NO: Offers loan amounts up to NOK 800,000 over 1 to 15 years. Note their minimum effective interest rate is listed as 5.17%, with a broad maximum range up to 48.76%.
• DigiFinans NO: Provides loans up to NOK 800,000 with repayment terms between 1 and 15 years. Their effective interest rate can range from 7.2% up to 49.8%.
• Morrow Bank NO: Offers loans up to NOK 500,000 with a maximum repayment period of 5 years. Their minimum effective interest rate is 6.36%.
• Thorn NO: Offers loans from NOK 20,000 to NOK 250,000 with repayment terms between 2 and 10 years. They provide representative examples for both unsecured and consolidation loans, with effective rates like 26.0% and 14.42%.
• Långivere NO: Provides loans up to NOK 600,000 with repayment flexibility up to 15 years. Their minimum effective interest rate is 11.46%.
• Låneråd NO: Offers loans up to NOK 800,000 over 1 to 20 years. Interest rates vary, with effective rates from 8.19% minimum.
• Viiga Lån NO: Offers smaller loan amounts up to NOK 40,000 with a 5-year repayment term.
• Paymark Finans NO: Loans range up to NOK 90,000 over 1 to 5 years.
• Klikklån NO: Offers loans up to NOK 70,000 for up to 5 years.
• L’easy NO: Provides loans up to NOK 100,000 over 1 to 5 years, but has a high example effective interest rate of 31.60%.
• Ferratum NO: Offers flexible credit lines up to NOK 50,000 for up to 60 months, with a high representative effective interest rate of 48.17%.

For more information on financial products in different locations, explore Countries. Discover various financial solutions at Loan Types. All loan types available in Norway can be found here: all loan types in Norway.

Last updated: 22. June 2026