Apply for financing at Axo Finans. We forward the application to some of the market's best lenders, and find you the lowest interest rate.

Apply for financing at Axo Finans. We forward the application to some of the market's best lenders, and find you the lowest interest rate.

Have you ever had the need for a personal loan but been unsure about how to proceed? Bank credit in the form of a consumer loan is a loan which doesn't need any form of collateral, like a house, car, or apartment. This type of loan is well suited for the person who needs to loan money for a short period of time.

Axo Finans offers personal loans up to 500.000 NOK. We compare 23 banks in order to give you the best offer available.

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How much do you want to borrow?

Monthly repayment


From 4,9% nominal interest rate.
Nom. 12,9%, eff. 14,83%, kost 38 962 kr, tot. 138 962 kr

Do you want to refinance debt?
Repayment period
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The application is assessed by 23 banks

9810 applications last month

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Non-binding offers

Our service is free

9810 applications last month

Receive an answer shortly

Non-binding offers

Our service is free

How it works

A consumer loan can give you flexibility when you need financing fast. You don't need to specify any reason for why you're applying for money, and thus get the flexibility to spend the money how you like. If you are able to, of course it's possible to pay down the loan faster than agreed upon, or paying back the entire loan before the due date. There are no extra fees associated with this.

All you need to do is fill out the electronic application form, and we'll take care of the rest. We compare some of the best financial institutions on the market, and find the offer best suited to your personal economy. Our task as a loan broker is to find you the lowest possible interest rate and the best terms. In our assessment of lenders, we look at the following among other things:

  • Interest rates
  • Loan amount
  • Monthly payments
  • What kinds of fees and conditions that are part of the offer

Read more: Personal loans

Who can apply for a consumer loan?

Refinancing - take back control over your economy

Everyone can apply for financing via a consumer loan, but to get the application granted you need to fulfill our requirements:

  • You must have a registered income of at least 200 000 NOK per year
  • You can't have any active debt collection cases or payment remarks
  • You must have lived in Norway for a minimum of three years
  • You must be at least 23 years old

If you do not fulfill these requirements, you can elect to apply with a loan co-signer. This will normally increase the chances of the loan being granted, and you will usually get an offer with better terms as well.

Possibilities for financing

A consumer loan is of course not the only option when needing financing. You basically distinguish between to kinds of loans: loans without security, and loans with security. The latter includes traditional loans like a mortgage or a car loan, where you need to put up equity. The bank additionally has the option of mortgaging property in the case of default.

In the category of financing without requirements for security or equity, there are essentially three choices:

  • Credit card
  • Small loan
  • Consumer loan

These three financing options all represent smaller loans which are normally made for consumption. The difference between the three is the cost. Normally it will always be economically favorable to choose a consumer loan, which has the lowest interest rate and the most flexible repayment plan. It's easy to get credit or small loans granted, and as a consequence of low requirements the interest rate is generally far higher than on a consumer loan.

A consumer loan is thus a good option if you need financing relatively fast.

Read more: Refinancing

How much can I borrow?

refinance old debt and save money

At Axo Finans you can apply for financing of between 10 000 og 500 000 NOK. How much is granted depends on your economic situation and information about your private life. The banks and lenders each make their individual assessment of how attractive you are as a borrower, and prepare an offer based on the information they have. Axo Finans's role as a loan broker is to find the best offer and present it to you.

Applying for financing via Axo Finans is completely noncommittal and cost-free. Should you choose to accept a loan offer, it's the lender who pays us for our services. In other words: we only make money if we find you a loan offer you deem good enough to accept. That is your best guarantee for us going the extra mile to find the market's best offers for consumer loans.

Apply for loans from 10 000 up to 500 000 NOK!

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Your application is forwarded to these 23 banks

komplett bank
express bank
kraft bank
nordea direct
bank norwegian
optin bank
resurs bank
ya lånet