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Consumer loan

Consumer loans are a non-secured loan so you can cover unforeseen expenses, short-term financial needs or unite small loans.

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  • Unsecured loans

  • From 1 to 5 years’ repayment period

  • Loans from NOK 10 000 to NOK 250 000

Apply for a consumer loan

Price example of consumer loans: nominal interest rate from 10.9%, effective interest rate 11.7%, NOK 100,000 over 5 years, establishment fee NOK 500. Cost NOK 30,806. A total of NOK 130,806.

What is a consumer loan?

A consumer loan is a loan without collateral. This means that you don’t need to place security against your own assets to borrow money. It gives a high level of freedom, but not entirely without responsibility. Consumer loans provide a higher interest rate than other loans. You should therefore prioritise repaying the loan quickly.

Consumer loan calculator

Use the calculator to see how much a consumer loan will cost you a month.

  • See the consumer loan calculator

Collect small loans

Do you have credit card debt, several small consumer loans or both? You can then have a lot to save by collecting and refining the debt for a consumer loan.

Benefits of consumer loans

With consumer loans, you can solve short-term financial needs or unforeseen expenses.

  • You don’t need to borrow against a home or other assets
  • Great freedom – use your loan for whatever you want
  • Fast and flexible repayments – you can always choose to pay down and clear the loan faster than planned
  • You can use the loan as a flexible framework loan if you need it
  • Collect other small loans for one consumer loan, and simply follow the online bank loan

Questions and answers about consumer loans

When does a consumer loan make sense?

Do you not have money in the recommended savings buffer account? Is the amount too large for your credit card? Sometimes unforeseen expenses or a short-term need for money appear. A consumer loan may then be necessary.


The purchase of furniture and interiors should not be traded by borrowed money, but taking a loan to renovate and increase the value of a home can be a possibility. Check first whether you can refinance existing home loans.

Vehicle, boat and motorcycle

Sending boats, motorcycles or cars to the auto repair shop is often a sudden expense. First, check whether the bill is covered by your insurance. If you need to cover the repair yourself, a consumer loan can help.

Price example consumer loan

Nominal interest rate from 10.9%, effective interest rate 11.7%, NOK 100,000 over 5 years, establishment fee from NOK 500. Cost NOK 30,806. A total of NOK 130,806.

See loans price list

See also

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