Axo Finans helps you find the best loans on the market. When you apply for a loan via Axo Finans you'll receive the best offer among 23 banks.

Axo Finans helps you find the best loans on the market. When you apply for a loan via Axo Finans you'll receive the best offer among 23 banks.

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How much do you want to borrow?

Monthly repayment


Do you want to refinance debt?
Repayment period
Banks usually grant loans with a repayment period of up to 5 years, and up to 15 years for loans with refinancing.
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The application is assessed by 23 banks

Repayment period from 1 to 15 years. Maximum of 5 years if you do not refinance existing debt. Nominal interest rate varies from minimum 4,9% to maximum 23,4%. Effective interest rate varies from minimum 5,16% to maximum 26,23%. Example: Nominal interest rate 12,9%, effective interest rate 14,83%, loan amount kr 100.000 with a repayment period of 5 years, cost 38 962 kr, total of 138 962 kr. Establishment fee varies from 0,- to 1990,- NOK. All the banks have individual interest rates and your interest rate is first presented in your loan offer.

10523 applications last month

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Non-binding offers

Our service is free

10523 applications last month

Receive an answer shortly

Non-binding offers

Our service is free

Low interest rate with a loan broker

Axo Finans helps you find the lowest interest rate. We guide you through the jungle of personal loans, terms, and effective interest so that you can find the best offer suited to your economic situation. If you're looking for the best personal loan for you, you can save both time and money by applying through a broker.

At Axo Finans you can apply for an unsecured loan from 10 000 and up to 600 000 NOK. You decide how much you want to borrow, as well as the duration of the repayment period.

Best offer from 23 banks

After you've filled in the application, we send it to all our partners. We collaborate with some of the best lenders on the market so that you can get an offer you'll be satisfied with. The banks and lenders know that they have to compete for you as a customer, and thus they go the extra mile to set a low interest rate.

After we've received a reply from all the lenders, we send you the best offer. The offer is completely noncommittal, and you yourself decide whether or not to accept. It's quick and fast to apply for a loan with Axo Finans.

A fast loan is not the best loan

Apply for a personal loan through Axo Finans

There are many factors affecting which offer is the best. To find the best offer it's important to get well acquainted with different loan terms and compare the terms of the different lenders. Most people naturally want to find a loan with the lowest interest rate possible, but there are also other factors which determine which loan is the best. Such factors could be:

  • Interest rate
  • Fees and terms
  • Repayment plan

Compare loan terms

The interest rate, fees and repayment period determine the total costs. The nominal interest rate indicates the base cost of the loan, whereas the effective interest rate shows the nominal rate in addition to fees and costs tied to the loan. If you want to know what the loan will actually cost you, you must look at the effective interest rate.

Use our loan calculator to see what the loan can cost

The next thing you should examine is whether or not there are any fees tied to the loan. For example, there could be an establishment fee or fees every term. This varies from lender to lender and can greatly affect the cost of the loan.

Repayment plan

In addition, it's of course very important to get a good repayment plan. You have to know that you can handle the monthly payments on the loan on top of your regular expenses. Some loans are tied to strict repayment plans with little flexibility and late fees. Other lenders offer payment deferral and are thus more flexible.

Axo Finans compares loans for you. It's easy to apply and you'll receive a quick reply to your application.

Unsecured loans

A personal loan doesn’t require any security. This separates a personal loan from for example a mortgage, where the home is put up as collateral. For banks and lenders, personal loans represent an increased risk. This is compensated for by the interest rate being set higher. In return, the interest rate of a personal loan is lower than that of smaller loans like SMS-loans or credit cards.

Use the loan on whatever you want

Some of the best aspects with a personal loan is that you can spend the money on whatever you want. Are you going to buy a car? Or perhaps you need home improvements?

The lender doesn't require you to specify a reason for applying so it's entirely up to you what you spend the money on. The most common reasons for applying for a personal loan is:

  • Unforeseen expenses
  • Home improvements
  • Refinancing

Have you started a project without knowing what the cost will turn out to be? Or are you going to travel somewhere, but don't have the time to save up money? Then the solution could be to apply for a personal loan.

With a personal loan from Axo Finans you get the economic flexibility you need, no matter the circumstances.

Applying for a loan

Axo Finans can help you find the best loan for you

Finding the lender which offers you the best offer can be a challenge. It's good to have a loan broker like Axo Finans working for you, giving you the best loan. To have your application accepted by us, you must fulfil the following requirements:

  • You must be over 23 years old
  • You must have lived in Norway for at least three years
  • You can’t have any payment remarks

If you don’t fulfil these requirements you can still apply, but chances are you’ll be rejected. In that case, you’re welcome to apply again at a later time. Alternatively, you can choose to apply together with a loan co-signer. This will normally increase the chances of getting the loan granted. It also gives you a better basis for a lower interest rate and better terms.

Our partners

Axo Finans is represented in Norway, Sweden and Finland and we collaborate with some of the most reputable banks and lenders in the Nordics. We work closely with the lenders to get the best loans and terms and only collaborate with serious actors. Among our lenders, we find the best loans for our customers, in addition to the best terms.

Axo Finans makes loans easy. Your application will be processed by all our partners simultaneously, it costs you nothing, and is noncommittal. We are a serious and professional loan broker and have permission to operate as such by the Financial Supervisory Authority of Norway.

Sound financial services

Personal loans can be spent on whatever you want

Axo Finans works to find the best loan on the market in every given moment, but above all, we're concerned with sound lending practices. Our task is to aid with loan application when customers need it and negotiate the best terms. After the application is sent to our partners we always wait for all banks to reply before we present the best loan offer.

Our brokerage service is free of charge. If you decide to accept the best loan offer, it’s the individual lender which pays a provision to Axo Finans. We only make money if we find an offer you deem good enough to accept. That is your best guarantee that we're always looking out for our customers.

Read more: Personal loans

If you need help applying online, you can contact one of our nice advisers. Axo Finans is known for giving personal service to everyone who applies for a loan via us, and our customers have shown time and again that they really appreciate it.

Frequently asked questions about loans

You can borrow from 10.000 NOK to 600.000 NOK. Within those limits, you can choose the loan amount you want.

Our service is free for our customers. If your loan application gets approved, you’ll pay monthly fees to the bank or lender who approves your loan. The banks and lenders that we cooperate with pay us commision.

Personal loans are unsecured loans, which means that the loan is not collateralized. Collateral is an item of value used to secure a loan – like an apartment or a car. Such collateral minimizes the risk for lenders. With a personal loan, you do not need to own a car or a house to be able to loan money.

Moreover, you can spend the loan amount on whatever you want. When applying for a car loan, you must buy a car with the loan. You can buy a car with a personal loan, of course, but you do not have to.

Interest rates are individual, and are among other things based on your personal finances. The banks we cooperate with have different interest rates. Thus, in order to get your individual interest rate, you must first send in a loan application. After your loan application has been processed and approved, you will get your individual interest rate.

Yes, we will do a credit check in order to assess your ability to repay the loan.

No, applying for a loan through us does not hurt your credit score. With Axo Finans, you apply to multiple lenders with just one application. One application means one credit check. If you were to apply to multiple lenders on your own, it could affect your credit score negatively. You do not have to worry about your credit score when using our services.

Monthly payments vary from customer to customer and is based on a borrower’s loan amount, interest rate and loan term. For instance, a short term loan will increase the monthly payment. So will the total amount of money you have borrowed.

Axo Finans is a loan broker. We are not a bank, but we cooperate with banks and lenders. It is important for us that you can trust the banks and lenders that we cooperate with. Therefore, we only partner up with the best in the business. That is why you will find the best loan for you through our services.

A loan broker is a company that is brokering loans. Our mission is to help the borrower and the lender find each other. We will help you find the best loan for you. That means the best interest rates and loan terms.

The best loan is a loan you actually can afford, that gives you financial freedom to buy the things you want and care about.

Yes, you can still apply, but your loan application might not be approved. This depends on the banks and lenders. If you have an expensive short term loan, credit card or similar loans, you should consider refinancing. You can apply for refinancing through Axo Finans.

Refinancing means that you gather all your loans and credit cards in a new loan. You move all your loans from your current bank or lender to a new one. When refinancing, you are likely to get better interest rates, a longer loan term and better terms in general. In the end, refinancing can increase your credit score, which can make it possible for you to apply for loans in the future.

Your application is forwarded to these 23 banks

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