Compare Personal Loans in Norway

Compare personal loan rates in Norway.

20 live personal loans offers tracked across 20 Norwegian providers, with APRs from 6.50%. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 20 providers, from 6.50% APR. Updated daily.

Nordea Norway Personal Loan Nordea Norway

6.50% APR

  • Interest Rate: From 6.5% p.a.
  • Loan Amount: NOK 10,000-NOK 500,000
  • Loan Term: 1-10 years
  • Key Feature: Nordea — #1 Nordic bank; competitive NO rate; digital + branch

DNB Personal Loan DNB Bank

6.90% APR

  • Interest Rate: From 6.9% p.a.
  • Loan Amount: NOK 10,000-NOK 600,000
  • Loan Term: 1-10 years
  • Key Feature: DNB — Norway's largest bank; 2.1M personal clients; state-owned

SpareBank 1 Personal Loan SpareBank 1 Forsikring

7.20% APR

  • Interest Rate: From 7.2% p.a.
  • Loan Amount: NOK 10,000-NOK 400,000
  • Loan Term: 1-7 years
  • Key Feature: SpareBank 1 — 15 regional banks; strong rural + urban network

Sambla Norway Lån Sambla Norway

7.50% APR

  • Interest Rate: 7.50% APR
  • Loan Amount: 10,000–600,000kr
  • Loan Term: 1–20 years
  • Key Feature: Compares 20+ lenders

Gjensidige Finans Loan Gjensidige Forsikring

7.90% APR

  • Interest Rate: From 7.9% p.a.
  • Loan Amount: NOK 5,000-NOK 350,000
  • Loan Term: 1-7 years
  • Key Feature: Gjensidige — insurer + bank; bundled discount with insurance

Lendo Norway Sammenligning Lendo Norway

7.90% APR

  • Interest Rate: 7.90% APR
  • Loan Amount: 10,000–600,000kr
  • Loan Term: 1–15 years
  • Key Feature: Free broker comparison

Axo Finans Lån Axo Finans

7.95% APR

  • Interest Rate: 7.95% APR
  • Loan Amount: 10,000–500,000kr
  • Loan Term: 1–15 years
  • Key Feature: Norwegian loan broker

Zmarta Norway Lån Zmarta Norway

8.20% APR

  • Interest Rate: 8.20% APR
  • Loan Amount: 10,000–500,000kr
  • Loan Term: 1–15 years
  • Key Feature: Broker, fast decision

Storebrand Bank Loan Storebrand

8.50% APR

  • Interest Rate: From 8.5% p.a.
  • Loan Amount: NOK 5,000-NOK 250,000
  • Loan Term: 1-5 years
  • Key Feature: Storebrand — pension + bank brand; ethical/ESG focus

Zensum Norway Lån Zensum Norway

8.50% APR

  • Interest Rate: 8.50% APR
  • Loan Amount: 10,000–400,000kr
  • Loan Term: 1–15 years
  • Key Feature: Nordic loan broker

Lea Bank Forbrukslån Lea Bank

9.90% APR

  • Interest Rate: 9.90% APR
  • Loan Amount: 10,000–400,000kr
  • Loan Term: 1–12 years
  • Key Feature: Digital bank loan

Bank 2 Lån Bank 2

9.90% APR

  • Interest Rate: 9.90% APR
  • Loan Amount: 10,000–300,000kr
  • Loan Term: 1–15 years
  • Key Feature: Non-standard credit OK

BRAbank Lån BRAbank

9.90% APR

  • Interest Rate: 9.90% APR
  • Loan Amount: 10,000–500,000kr
  • Loan Term: 1–15 years
  • Key Feature: Fully digital lender

Norwegian Bank Lån NO Norwegian Bank Norway

10.50% APR

  • Interest Rate: 10.50% APR
  • Loan Amount: 10,000–600,000kr
  • Loan Term: 1–15 years
  • Key Feature: Digital-only bank

Collector Bank Lån NO Collector Bank NO

10.90% APR

  • Interest Rate: 10.90% APR
  • Loan Amount: 5,000–300,000kr
  • Loan Term: 1–12 years
  • Key Feature: Flexible terms

Revolut Lån NO Revolut Norway

11.99% APR

  • Interest Rate: 11.99% APR
  • Loan Amount: 5,000–150,000kr
  • Loan Term: 1–5 years
  • Key Feature: In-app 3 minutes

Strawberry Bank Lån Strawberry Bank

12.90% APR

  • Interest Rate: 12.90% APR
  • Loan Amount: 10,000–200,000kr
  • Loan Term: 1–5 years
  • Key Feature: Loyalty perks

N26 Kredit NO N26

13.90% APR

  • Interest Rate: 13.90% APR
  • Loan Amount: 1,000–25,000kr
  • Loan Term: 1–5 years
  • Key Feature: Digital-only approval

Multitude Bank Lån NO Multitude Bank Norway

18.90% APR

  • Interest Rate: 18.90% APR
  • Loan Amount: 5,000–50,000kr
  • Loan Term: 1–5 years
  • Key Feature: Neobank quick loan

Ferratum Norway Lån Ferratum Norway

25% APR

  • Interest Rate: 25.0% APR
  • Loan Amount: 2,000–50,000kr
  • Loan Term: 1–3 years
  • Key Feature: Fast small loans

What is a personal loan in Norway?

A personal loan (forbrukslån) is an unsecured loan you repay in fixed monthly instalments over a set term, with no property or car pledged as security. Norwegians use them to consolidate expensive credit-card and store debt, fund renovations, cover a car purchase or handle one-off costs. Because there is no collateral, the interest rate (nominell rente) is higher than a mortgage but the money is quick to access once approved.

How the Norwegian market works

Loans are offered by consumer banks and increasingly through loan brokers (låneagenter) such as Axo Finans and Lendo, which send one application to many lenders and return competing offers. Lenders must run an affordability assessment and check the national debt register (Gjeldsregisteret), which shows all your existing unsecured debt so no one over-lends. Rules from Finanstilsynet cap total debt at five times gross annual income and require a stress test against a rate rise. The advertised rate is personalised, so your actual offer depends on income, existing debt and credit record.

Benefits

No collateral — You do not risk your home or car to borrow.

Debt consolidation — Combining costly card and store debt into one loan usually lowers the total interest you pay.

Fixed repayments — Equal monthly instalments make budgeting predictable.

Fast funding — Broker platforms return offers within a day and pay out quickly once you accept.

How to choose

Compare the effective annual rate (effektiv rente), not just the nominal rate, because it includes the establishment fee (etableringsgebyr) and monthly charges. Use a broker to gather multiple offers, then pick the lowest effective rate for the amount and term you need. Choose the shortest term you can afford, since a longer term lowers the monthly payment but raises total interest. Check for early-repayment flexibility so you can clear the loan without penalty.

Leading providers in Norway

DNB and Nordea are the large mainstream banks offering personal loans. Specialist consumer lenders include BRAbank, Collector Bank and Instabank, while Bank Norwegian and Morrow are active in unsecured lending. Axo Finans is a leading broker that compares many lenders at once. Storebrand, SpareBank 1 and Gjensidige also lend to their customers.

What it costs

Nominal interest rates on consumer loans typically range from about 6.5 percent for the strongest applicants up to around 25 percent for higher-risk borrowers. On top sits an establishment fee, often 900-1,900 NOK, and a small monthly administration charge, all reflected in the effective rate. Missing payments adds default interest and collection costs, so borrow only what your budget comfortably covers.

Protections and regulation

Consumer lending is regulated by Finanstilsynet under the lending regulation (utlånsforskriften) and the Financial Contracts Act. Mandatory affordability checks, the Gjeldsregisteret debt register and the five-times-income cap protect borrowers from over-indebtedness. You have a 14-day right of withdrawal (angrerett) on new consumer loans. Disputes can go to Finansklagenemnda.

Common questions

How much can I borrow? Total debt is capped at five times your gross annual income, and each lender assesses affordability individually.

Does applying hurt my credit? Lenders make a credit check (kredittsjekk); using a broker sends one application to several lenders to limit repeat checks.

Can I repay early? Yes, you can repay a consumer loan early, usually without penalty, which saves interest.

Personal Loans in Norway — FAQ

What is the best personal loan rate in Norway right now?

Giraffy tracks 20 personal loan products across 20 lenders in Norway. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.

What factors affect my personal loan interest rate?

Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.

How much can I borrow with a personal loan?

Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.

What is the difference between a secured and an unsecured personal loan?

An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.

Can I repay a personal loan early?

Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.

How quickly can I get a personal loan?

Many lenders in Norway offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.

What is APR and why does it matter when comparing personal loan offers?

APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.