{"id":3609,"date":"2024-03-24T12:16:46","date_gmt":"2024-03-24T12:16:46","guid":{"rendered":"https:\/\/www.motty.no\/loan-norway\/personal-loan"},"modified":"2025-08-05T12:08:42","modified_gmt":"2025-08-05T12:08:42","slug":"personal-loan","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/en\/loan-norway\/personal-loan","title":{"rendered":"Cheap personal loan without collateral"},"content":{"rendered":"<div id=\"69f234748a403\" class=\"page__banner-outer-container relative\">\n    <div class=\"container mx-auto py-10 px-6 md:px-14 md:py-14 xl:px-28\">\n                <div class=\"max-w-full lg:max-w-[862px] flex flex-col gap-6 lg:gap-8\">\n            <h1 class=\"h1 lg:max-w-[543px]\">Personal Loan<\/h1><div class=\"page__banner-contents-rte content-rte lg:text-[24px]\"><p>Choose a personal loan in Norway.<\/p>\n<\/div>        <\/div>\n            <\/div>\n    <svg class=\"hidden absolute top-0 right-0 lg:block\" width=\"467\" height=\"719\" viewBox=\"0 0 467 719\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M492.327 74.0103L492.323 74.0144L491.513 74.7762L491.499 74.7891L491.486 74.8024L472.243 94.0042L379.29 186.754L135.031 430.481V271.943C135.031 197.08 195.138 135.179 270.132 134.745C298.024 134.585 324.011 142.843 345.677 157.142L346.545 157.714L347.28 156.98L440.764 63.6989L441.766 62.6999L440.668 61.8074C392.825 22.8971 333.515 1.72514 270.946 1.72514C209.35 1.72514 150.904 22.2331 103.443 60.0049V3V1.72514H102.168H3H1.72514V3V270.349V274.419V692.781C1.72514 714.503 28.0263 725.356 43.4053 710.01L74.5434 678.944L73.6429 678.042L74.5435 678.944L100.509 653.03L534.827 219.663L584.067 170.53C609.064 147.573 641.48 134.882 675.512 134.745C750.54 134.436 811.972 197.085 811.972 272V704.462C811.972 711.536 817.731 717.275 824.815 717.275H932.432C939.526 717.275 945.275 711.535 945.275 704.462V270.349C945.275 198.598 917.279 131.144 866.427 80.4028C815.585 29.6732 747.973 1.72514 676.072 1.72514C604.169 1.72514 542.342 27.4039 492.327 74.0103ZM406.851 679.325H408.126H538.889H540.164V678.05V279.134V276.061L537.988 278.232L407.226 408.705L406.851 409.079V409.608V678.05V679.325Z\" stroke=\"#2264DC\" stroke-opacity=\"0.12\" stroke-width=\"2.54971\"\/>\n    <\/svg>\n<\/div>\n\n<div id=\"69f234748a97f\" class=\"flexible__content-outer-container\">\n    <div class=\"container mx-auto md:px-14 md:py-14 xl:px-28\">\n        <div class=\"flex flex-col md:flex-row gap-10 xl:gap-20 items-start\">\n                                        <div class=\"flexible__contents-sidebar md:sticky top-14 w-full md:order-2 grow md:w-[calc(40%-20px)]\">\n                    \n\n    <div data-config='{\"locale\":\"en\"}' data-id=\"application-form-container\" data-current-form=\"0\" class=\"relative bg-fjellvann-medium-beige p-6 md:p-14 md:rounded-lg z-50\">\n                    <ul class=\"flex gap-2 justify-center mb-8\">\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"true\" data-id=\"consumerLoan\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Consumer loan                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"mortgage\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Mortage                        <\/button>\n                    <\/li>\n                                    <li>\n                        <button\n                            data-id=\"calculator-tab\"\n                            data-active=\"false\" data-id=\"creditCard\" class=\"text-[10px] md:text-[14px] h-full hover:bg-fjellvann-light-beige transition-colors text-fjellvann-dark-blue leading-[1.5] py-2 px-4 rounded-[4px] border border-fjellvann-dark-blue data-[active='true']:bg-fjellvann-white data-[active='true']:font-generalsansmedium\">\n                            Credit card                        <\/button>\n                    <\/li>\n                            <\/ul>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"true\"\n                    data-config='{\"locale\":\"en\",\"product\":\"consumerLoan\"}' id=\"application-form-0\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"en\",\"product\":\"mortgage\",\"loanMin\":\"100000\",\"loanMax\":\"20000000\",\"loanDefault\":\"2000000\",\"loanStep\":\"50000\"}' id=\"application-form-1\" data-id=\"application-form\"><\/div>\n                                            <div\n                    class=\"hidden data-[active='true']:block\"\n                    data-active=\"false\"\n                    data-config='{\"locale\":\"en\",\"product\":\"creditCard\"}' id=\"application-form-2\" data-id=\"application-form\"><\/div>\n                            <div class=\"trustpilot-widget mt-8 md:hidden block\" data-locale=\"nb-NO\" data-template-id=\"5419b637fa0340045cd0c936\" data-businessunit-id=\"60e41e228b616600019987b4\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n            <a href=\"https:\/\/www.trustpilot.com\/review\/motty.no\" target=\"_blank\" rel=\"noopener nofollow\"><\/a>\n        <\/div>\n    <\/div>\n                <\/div>\n                                        <div class=\"flexible__contents-inner-container px-6 md:px-0 md:w-[calc(60%-20px)] md:order-1 xl:w-[65ch] mx-auto\">\n                    <div class=\"flexible__contents-inner-items flex flex-col gap-12 md:gap-14 lg:gap-20\">\n                                                            <div class=\"flexible__contents-image\">\n                                        <img decoding=\"async\" class=\"rounded-lg overflow-hidden border-b-8 border-b-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/05\/lan-med-betalingsanmerkning.webp\" alt=\"\" \/>\n                                    <\/div>\n                                                            <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <p><span class=\"\">Unforeseen expenses in the form of a broken house appliances or car? We have a solution! Consider taking out a\u00a0<\/span><a href=\"https:\/\/www.motty.no\/en-gb\/loan-norway\" type=\"page\">cash loan<\/a><span class=\"\">\u00a0or\u00a0<\/span><a href=\"https:\/\/www.motty.no\/en-gb\/credit-card-norway\" type=\"page\">credit card<\/a>.<\/p>\n                                    <\/div>\n                                                                    <div class=\"flexible__contents-accordion\">\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">How fast will I receive the money?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>If all requirements have been met and you have accepted the offer, the money can be paid out within 1-3 working days. Make sure that you fill out the application correctly &#8211; then the whole process will go more smoothly and quickly. Once the application has been received, banks check the information about your debt collection processes and carry out your credit assessment. Therefore, it can sometimes take between 1 &#8211; 7 days from sending the application until the money is paid out.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">What is an unsecured loan?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>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%.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                                    <div class=\"border-fjellvann-medium-blue first:border-t border-b accordion__item-block\">\n                                                <h3 class=\"h4 font-recklessregular flex items-center justify-between cursor-pointer accordion__item-qa py-6 transition-all duration-300 ease-in-out\">\n                                                    <span class=\"w-[calc(100%-32px)] cursor-pointer\">What interest rate will I be offered?<\/span>\n                                                    <div class=\"flex items-center justify-center w-[32px] h-[32px] rounded-full bg-fjellvann-blue\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\">\n                                                            <path d=\"M12 5V19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                            <path d=\"M5 12H19\" stroke=\"#FEFCF8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" \/>\n                                                        <\/svg>\n                                                    <\/div>\n                                                <\/h3>\n                                                <div class=\"accordion__item_content max-h-[0] overflow-hidden\">\n                                                    <p>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 &#8211; 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.<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                            <\/div>\n                                                                    <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <h2>Who can apply for a personal loan?<\/h2>\n<p>If you want to apply for a personal loan in Norway you must meet these criteria:<\/p>\n<ul class=\"defaultList bullet\">\n<li>Be at least 23 years old<\/li>\n<li>Have a fixed income of at least 230 000 NOK<\/li>\n<li>No inkasso<\/li>\n<\/ul>\n<p>A credit evaluation will be conducted after you submit your loan application.<\/p>\n<h3><\/h3>\n<h3>How much can I borrow?<\/h3>\n<p>If you meet all of the above criteria, have a steady job and no debt, you can get a loan of up to 800 000 NOK. The interest rate depends on your income and the repayment period.<\/p>\n<h3>\nHow to apply for a fast personal loan?<\/h3>\n<p><span class=\"\">Applying for a loan with Motty is\u00a0<\/span>fast, safe and easy<span class=\"\">. The only thing we ask is to carefully\u00a0<\/span><a href=\"https:\/\/www.motty.no\/en-gb\/start-s%C3%B8knaden\" type=\"popup\">fill out the application form<\/a>, which you will find here on our website. Send the application and wait for a response. We will take care of the rest!<\/p>\n<p><span class=\"\"><br \/>\nMotty has extensive experience in the credit market. We work with a large network of banks and lending institutions. We forward your application to up to 20 banks, which then compete to offer you the best loan terms. The entire process is completely non-binding and free of charge!<\/span><\/p>\n<p>Within 1-3 business days you will receive a reply<span class=\"\">\u00a0from various banks and you will be able to choose the offer that suits you best.<\/span><\/p>\n<h3>Should I apply for a cash loan?<\/h3>\n<p>A cash loan will be suitable for people who have encountered unforeseen expenses or lack the funds to carry out their plans.<\/p>\n<h3>\nSave money on interest rates!<\/h3>\n<p><span class=\"\">There are many ways to save money. You can do this by getting\u00a0<\/span>lower interest rates<span class=\"\">\u00a0and fees, or through\u00a0<\/span>smaller installments<span class=\"\">\u00a0and a properly chosen repayment period. Here are some examples:<\/span><\/p>\n<ul class=\"defaultList bullet\">\n<li><span class=\"\">Every loan, in addition to interest and installments, involves a fee. In the case of multiple loans, you pay for each of them. You can avoid this if you combine your loans into one &#8211; by\u00a0<\/span><a href=\"https:\/\/www.motty.no\/en-gb\/refinansiering\" type=\"page\">refinancing<\/a>.<\/li>\n<li>Since banks want to present you with competitive offers, there is a good chance they will offer you a lower interest rate. Consumer loans and credit cards often have high interest rates. By consolidating your obligations and offering a more favorable interest rate on your loan, you can save thousands of crowns a year.<\/li>\n<\/ul>\n<p>Motty will help You!<\/p>\n<p>We help you organize your finances. We understand the market, and with years of experience, we can give you useful tips and advice to improve your financial situation.<\/p>\n<p><span class=\"\"><br \/>\nWe are happy to help you &#8211; contact us via phone:\u00a0<\/span><a href=\"tel:+47 465 42 951\" target=\"_blank\" rel=\"noopener\" type=\"call\">+47 465 42 951<\/a><span class=\"\">\u00a0or email at:\u00a0<\/span><a href=\"mailto:info@motty.no\" target=\"_blank\" rel=\"noopener\" type=\"email\">info@motty.no<\/a><\/p>\n                                    <\/div>\n                                                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"cta-69f2347497bd2\" class=\"calltoaction-outer-container overflow-hidden generalcta\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28\">\n        <div class=\"rounded-lg bg-fjellvann-medium-beige py-14 px-5 md:px-[50px] lg:px-[100px]\">\n            <div class=\"flex flex-col-reverse gap-10 md:gap-[57px] md:flex-row md:items-center\">\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(592px)]\">\n                                            <div class=\"flex flex-col gap-6 text-center md:text-left\">\n                            <h2 class=\"h2 max-w-[592px]\">Borrow money without collateral<\/h2><div class=\"text-[18px] md:text-[24px] content-rte font-recklessregular\"><p>We&#8217;ll help you compare loans from up to 20 banks to make sure you get the offer from the bank with the best terms.<br \/>\nGet your finances in order today.<br \/>\nGet in touch for a no-obligation chat and hear how we can help you with unsecured loans.  <\/p>\n<\/div>                        <\/div>\n                                                                <div class=\"mt-10\">\n                            <a id=\"\" href=\"https:\/\/www.motty.no\/kontakt\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Contact us<\/a>                        <\/div>\n                                    <\/div>\n                <div class=\"w-full md:w-[calc(50%-28.5px)] lg:w-[calc(100%-620.5px)]\">\n                    <img decoding=\"async\" class=\"w-[174px] h-auto mx-auto md:m-0 md:w-full md:h-full object-cover\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/03\/faq_prefooter.svg\" alt=\"faq_prefooter\" \/>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div id=\"ra-69f2347499027\" class=\"related_articles-outer-container\">\n    <div class=\"container mx-auto py-12 px-6 md:p-14 xl:px-28 lg:pt-14 lg:pb-28\">\n        <div class=\"flex flex-col text-center gap-8\">\n                        <h2 class=\"h2\">Articles about loans<\/h2>\n                    <\/div>\n                <div class=\"mt-14 flex flex-col gap-14 items-center\">\n            <div class=\"flex flex-col gap-8 flex-wrap md:flex-row\">\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/lan\/lan-med-betalingsanmerking\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/05\/lan-med-betalingsanmerkning.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/lan\/lan-med-betalingsanmerking\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">L\u00e5n med betalingsanmerkning<\/h3><p>L\u00e5n med betalingsanmerkning og inkasso Det kan v\u00e6re vanskelig \u00e5 f\u00e5 l\u00e5n hos bankene n\u00e5r du&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/lan\/lan-pa-dagen\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/05\/lan-pa-dagen.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/lan\/lan-pa-dagen\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">L\u00e5n p\u00e5 dagen<\/h3><p>L\u00e5n p\u00e5 dagen &#8211; kort oppsummert: Fra tid til annen trenger man penger raskt, helst p\u00e5&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"w-full md:w-[calc(50%-21.999px)] lg:w-[calc(33.33%-21.999px)]\">\n                <div class=\"w-full flex flex-col gap-[15px]\">\n                        <a class=\"block w-full h-[186px] sm:h-[210px]\" href=\"https:\/\/www.motty.no\/artikler\/lan\/bake-forbrukslan-i-boliglan\"><img decoding=\"async\" class=\"overflow-hidden w-full h-full block object-cover rounded-lg border-b-[9px] border-fjellvann-green\" src=\"https:\/\/www.motty.no\/wp-content\/uploads\/2024\/05\/bake-forbrukslan-i-boliglan.webp\"><\/a>                    <div class=\"flex flex-col gap-3 relative\">\n                        <a class=\"block absolute top-0 left-0 w-full h-full\" href=\"https:\/\/www.motty.no\/artikler\/lan\/bake-forbrukslan-i-boliglan\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Refinansiering av forbruksgjeld<\/h3><p>Forbruksl\u00e5n kan v\u00e6re en \u00f8konomisk byrde med h\u00f8ye rentekostnader. En smart l\u00f8sning for \u00e5 senke kostnadene&#8230;<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n                        <\/div>\n            <a id=\"\" href=\"https:\/\/www.motty.no\/en\/articles\" class=\"text-nowrap flex items-center justify-center transition-all ease-in duration-300 rounded font-generalsansmedium text-center text-fjellvann-white bg-fjellvann-green hover:bg-fjellvann-light-green py-[18px] px-6 w-fit\">Show more articles<\/a>        <\/div>\n            <\/div>\n<\/div>\n","protected":false},"featured_media":2725,"parent":2891,"menu_order":0,"template":"","class_list":["post-3609","tjenester","type-tjenester","status-publish","has-post-thumbnail","hentry"],"acf":{"tjenester_icon":1790},"_links":{"self":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3609","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester"}],"about":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/types\/tjenester"}],"version-history":[{"count":1,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3609\/revisions"}],"predecessor-version":[{"id":6874,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3609\/revisions\/6874"}],"up":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/2891"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/media\/2725"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/media?parent=3609"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}