{"id":3612,"date":"2024-04-02T07:23:01","date_gmt":"2024-04-02T07:23:01","guid":{"rendered":"https:\/\/www.motty.no\/?post_type=tjenester&#038;p=3612"},"modified":"2024-09-15T19:45:30","modified_gmt":"2024-09-15T19:45:30","slug":"unsecured-loan","status":"publish","type":"tjenester","link":"https:\/\/www.motty.no\/en\/refinancing-norway\/unsecured-loan","title":{"rendered":"Refinance Unsecured Loans in Norway"},"content":{"rendered":"<div id=\"69f2a9f6c0ec5\" 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]\">Refinance Unsecured Loans<\/h1><div class=\"page__banner-contents-rte content-rte lg:text-[24px]\"><p>Credit card debt and consumer loans can quickly become expensive. You can consolidate your loans into just one new and cheaper loan with refinancing! Even without securing the loan with a mortgage.<\/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=\"69f2a9f6c1957\" 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                            Refinance 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                            Refinance Mortgage                        <\/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 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-rte content-rte richtext__contents\">\n                                        <h3>What is an unsecured loan refinancing?<\/h3>\n<p>Refinancing an unsecured loan means taking out a completely new loan to pay off your existing debt, without an additional pledge such as a mortgage. In other words, when you are unable to repay your loan, the banks will not take back the property you have pledged.<\/p>\n<p>By refinancing unsecured loans, you will gain better control of your finances, save money and extend your repayment period.<\/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\">What is refinancing without collateral?<\/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>A refinance without collateral is a form of loan that the bank provides You without the need to put your house or part of your property up as collateral. Refinance loans are often used to replace expensive credit cards and loans with high interest rates with a new loan with lower interest rates and costs. By refinancing, you can lower your interest costs and save money.<\/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\">How does refinancing work?<\/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>When you refinance, you get a new loan to reduce credit cards costs and expensive loans with high interest rates. You should refinance to get rid of high interest rates, installments and additional fees. Refinancing works as follows: Your debt is removed and replaced with a new loan with lower costs and interest rates than before.<\/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\">Can I refinance my credit card debt?<\/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>You can refinance your credit card debt. The interest rate on credit cards is higher than the interest rate on a refinance loan or consumer loan. We can help you refinance your credit card debt.<\/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\">How much money can I save?<\/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>There are two ways to save money. You can pay off your debts as quickly as possible or refinance them with a new loan with lower interest rate and costs. The types of interest rates offered by banks vary &#8211; we will help you find the lowest one!<\/p>\n<p><strong>The second example of savings is to shorten the repayment period:<\/strong><br \/>\nA loan of NOK 100 000, with a nominal interest rate of 15% and a repayment period of 10 years, costs NOK 100 000 in interest. If you shorten the repayment period to 3 years, the same loan costs NOK 28 000 in interest. In addition, you save money on fees you don&#8217;t have to pay!<\/p>\n                                                <\/div>\n                                            <\/div>\n                                                                            <\/div>\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\/04\/Refinansiering-uten-sikkerhet-i-bolig-image.jpg\" alt=\"\" \/>\n                                    <\/div>\n                                                            <div class=\"flexible__contents-rte content-rte richtext__contents\">\n                                        <p>Is it possible to refinance unsecured loan despite receiving a notice?<\/p>\n<p>Unfortunately no. If you receive a notice (betalingsanmerkning), your application for refinancing will be rejected by the banks. In this case, you can only refinance with collateral such as a mortgage.<\/p>\n<h3><\/h3>\n<h3>Combine all loans into one<\/h3>\n<p>Keeping your finances under control is difficult when you have many different instalments to repay. In fact, many of us tend to pay off several loans at the same time, whether they are car loans, home loans or credit cards.<\/p>\n<p><span class=\"\">Several loans to repay also mean higher interest rates and multiple instalments. Refinancing is a fitting option for those who want to consolidate expensive loans into a new cheaper loan.\u00a0<\/span>This solution pays off. In addition, it saves money.<\/p>\n<h3>Motty helps you refinance<\/h3>\n<p>We will help you compare loan offers from up to 20 banks in order to get the lowest possible interest rates and fees.<\/p>\n<p><span class=\"\">Benefit from a\u00a0<\/span><span class=\"\">non-binding and free advice\u00a0<\/span>and find out how to refinance your loans.<\/p>\n<p><a href=\"https:\/\/www.motty.no\/en-gb\/contact\" type=\"page\">Contact your advisor.<\/a><a href=\"https:\/\/www.motty.no\/en-gb\/kontakt\" type=\"page\"><br \/>\n<\/a><\/p>\n                                    <\/div>\n                                                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n\n\n<div id=\"cta-69f2a9f6cf625\" 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]\">Motty helps you with refinancing<\/h2><div class=\"text-[18px] md:text-[24px] content-rte font-recklessregular\"><p>We help you compare loans from up to 20 banks so that you get the offer from the bank with the best terms. Get your finances in order today. Get in touch for a no-obligation chat and hear how we can help you with refinancing without collateral.<\/p>\n<\/div>                        <\/div>\n                                                                <div class=\"mt-10\">\n                            <a id=\"\" href=\"https:\/\/www.motty.no\/en\/contact\" 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-69f2a9f6d0882\" 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\/en\/artikler\/loans\/negotiate-rate-housing-plan\"><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\/forhandle-rente-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\/en\/artikler\/loans\/negotiate-rate-housing-plan\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">How can you negotiate the interest rate on your mortgage?<\/h3><p>Securing a favorable interest rate on your mortgage can save you thousands of kroner in interest&#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\/en\/artikler\/loans\/lan-with-shareholder\"><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-kausjonist.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\/en\/artikler\/loans\/lan-with-shareholder\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">Loan with guarantor<\/h3><p>If you are going to take out a loan, the chances of the loan being approved&#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\/en\/artikler\/loans\/rules-for-salary-deductions\"><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\/03\/lonnstrekk.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\/en\/artikler\/loans\/rules-for-salary-deductions\"><\/a>\n                        <h3 class=\"font-recklesssemibold text-[20px] md:text-[24px]\">What are the rules for payroll deduction and how to stop it?<\/h3><p>What is payroll deduction? Salary deduction is when an employer withholds part of an employee&#8217;s salary&#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":0,"parent":3600,"menu_order":0,"template":"","class_list":["post-3612","tjenester","type-tjenester","status-publish","hentry"],"acf":{"tjenester_icon":""},"_links":{"self":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3612","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":0,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3612\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/tjenester\/3600"}],"wp:attachment":[{"href":"https:\/\/www.motty.no\/en\/wp-json\/wp\/v2\/media?parent=3612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}