Consumer Loan

Good solution for unexpected expenses.

Apply for consumer loan

Simple application process - fast bank decision

Complete & submit the form online

Money for any purpose

Consumer Loan
Mortgage
Credit Card

Easy application - fast feedback

Complete & submit the form online

Money for any purpose

More loans:

Car Loan

Renovation Loan

Consumer Loan

Refinancing

Special Loan

Credit Card

Apply for a loan online

There are times when we need to quickly obtain additional funds. Consumer loans are a good solution when large or unexpected expenses arise.

You can successfully apply for a consumer loan online with us for amounts ranging from 5 000 - 800 000 NOK



Apply for a loan for free:


  1. Fill in and send the application form.

  2. Contact us and confirm the details of your application.

  3. Compare offers - interest, fees and instalments.

  4. Sign the application with BankID on the bank's website.


The offers are valid for approximately 30 days. If you choose not to proceed with the loan, simply end the process without signing. The process is completed online via BANKID.

For your application prepare:

  • Loan amount
  • First and last name
  • Personal Number 
  • E-mail address
  • Telephone number

Simply submit your application! However, please remember you can contact us at any stage!

Apply for a loan if:

  • You are over 23 years old
  • You have an income of at least 230 000 NOK
  • Note: Every loan applicant is liable to a credit assessment.

All banks carry out a credit rating of the applicant. You can find details of your personal debt on: Gjeldsregisteret.no.

Loan Calculator

Loan Calculator

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All about consumer loans

All about loans

  • What is a consumer loan?

    A consumer loan is a loan that a bank can grant without requiring a mortgage on a house or car - this is also known as an unsecured loan. Due to the lack of collateral, a consumer loan carries a higher interest rate than, for example, a mortgage. This is because the bank takes more risk when it lends you money.
  • What is an unsecured loan?

    This is simply a consumer loan. In this case, banks do not expect collateral. Such loans are often no more than NOK 800 000, the repayment period is 5 years and the interest rate is usually between 8.9% and 20%.
  • What interest rate will I be offered?

    The interest rate on a loan is the cost you have to pay when you borrow money from a bank. The value of the interest rate is determined by two things: what cost the bank incurs by lending you the money and the risk the bank takes if you do not repay the loan. The interest rate you receive is calculated based on your finances and ability to pay - so the interest rate is set individually. The bank orders a credit assessment to determine the appropriate interest rate. To find out what interest rate you will receive, you must apply for a loan.
  • What can I use the loan funds for?

    You can use consumer loan for anything you want!
    Consumer loans are used for financing renovations, holidays, motorbike or car purchases. People often apply for a consumer loan as a result of an unexpected expense or a desire to fulfil a dream.

More about loans

What is a consumer loan?

Consumer loan are funds banks lend without the need for additional provision of security such as real estate. Since the bank does not require you to provide any collateral, the interest rate on consumer loans is higher than on home or car loans. At the same time, the application process is much simpler and shorter.


Why should you apply for a loan with Motty?

We take over a very time-consuming task from you!


We verify and send your loan application to multiple banks at the same time and gather loan offers for you. We do our best to make it easy for you to compare interest rates, fees and loan instalments. You don't have to search for the cheapest loan offer yourself as we do it for you! You simply apply and we find the lowest interest rate and the best loan offer. Our help is free of charge and completely non-binding.


What can I take out a loan for?


Better than small loans

Consumer loans are often a better option because the interest rate is lower than for the vast majority of credit cards or small loans. As well as a much lower interest rate, you also get a longer period of time to repay the loan. If you need a quick cash boost to cover expenses such as renovations, buying a car, paying for a trip or a wedding, this solution may prove to be more cost-effective.


With our help you are more likely to find an offer with the lowest interest rates and best loan terms available on the market.


In Motty we guarantee professional customer support. You already have a loan? Consider refinancing. We can help you sort out your liabilities and reduce your expenses.

How to compare loan offers:


  1. Use our loan calculator and estimate your final loan amount.
  2. Fill in and submit your application form. We will verify and send your application to the banks.
  3. Banks will provide you with an individual loan offer - including interest, fees and instalments.
  4. You will receive a full and clear overview of the offers to compare. We also help you review the loan offers and can provide you with advice.
  5. The final decision is yours. Always choose the offer that meets your needs the best. Once you have signed the agreement with the bank and your application has been verified, you will receive a transfer directly to your account.


We help you find the best loan offer! 

Feel free to contact us for further assistance in completing your loan application.

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