Loan Calculator Norway

Kristian Ole Rørbye · Updated 4. May 2026 ·

Borrowing costs money! If you cannot repay your debt in time, you are at risk of receiving a payment remark (betalingsanmerkning). For free financial and debt counselling, please contact NAV. You can find contact details at nav.no.

Top Pick

Max Amount 800 000 kr.

Interest from 6.9%

Min. Age 25 years

Payout 1-2 days

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Example: Nominal interest rate 11.9%, effective interest rate 13.20%, loan amount NOK 135,000 with repayment over 5 years, cost NOK 101,038, total NOK 236,038. Establishment fee varies from NOK 0 to 1,990. The repayment period is 1 to 20 years. Max 5 years if you are not refinancing. Nominal interest rate varies from a minimum of 6.9% to a maximum of 23.4%. Effective interest rate varies from a minimum of 8.19% to a maximum of 26.23%.

Recommended

Max Amount 500 000 kr.

Interest from 4.9%

Min. Age 20 years

Payout 1-2 days

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The repayment period ranges from 1 to 15 years, or 5 years if you do not need to refinance. The nominal interest rate varies from a minimum of 4.9% to a maximum of 23.44%. The effective interest rate ranges from a minimum of 8,17% to a maximum of 34,16% (!), so it can be very beneficial to choose the best offer. Example: NOK 140,000 over 5 years, effective interest rate 13.44%, cost NOK 49,412, total NOK 189,412.

Accepts Remarks

Max Amount 600 000 kr.

Interest from 8.95%

Min. Age 21 years

Payout 1-2 days

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The interest rate is variable and set on an individual basis. Nominal interest rate 11.9%, effective interest rate 13.14%, loan amount NOK 200,000 with repayment over 5 years, cost NOK 69,078, total NOK 269,078. Effective interest rate: 6.82%–48.76%.

Accepts Remarks

Max Amount 1 000 000 kr.

Interest from 5%

Min. Age 23 years

Payout 1-2 days

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Example: Effective interest rate of 8.55% on a 2 million loan over 25 years; costs: kr. 2,622,146; total: kr. 4,622,146

Max Amount 40 000 kr.

Interest from 8.4%

Min. Age 21 years

Payout 1-2 days

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Representative example: effective interest rate 26.1%, 25,000, over 5 years, fees 17,674, total 42,674. This example is based on the assumption that the monthly payment is made via direct debit and that the repayment schedule specified in the agreement is followed.

Max Amount 250 000 kr.

Interest from 9.48%

Min. Age 21 years

Payout 1-2 days

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"Thorn Personal Loan Plus / TryggLån Representative example: effective interest rate 26.0%, 25,000, term of 5 years, total cost 17,588, total amount 42,588. This example is based on the assumption that the monthly payment is made via direct debit and that the repayment schedule in the agreement is followed. Thorn Consolidation Loan Representative example: effective interest rate 14.42%, 120,000, over 8 years, total cost 77,204, total 197,204. This example is based on the monthly payment being made via direct debit and the repayment schedule being followed."

Max Amount 600 000 kr.

Interest from 4.99%

Min. Age 20 years

Payout 1-2 days

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Effective interest rate 12.71%, 150,000 kr, term of 5 years, cost 49,237 kr. Total 199,237 kr.

Max Amount 600 000 kr.

Interest from 4.9%

Min. Age 25 years

Payout 1-2 days

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Sample interest rate: Effective interest rate 11.46%, 150,000 kr, over 5 years, Cost: 45,234 kr. Total: 195,240 kr

Max Amount 70 000 kr.

Interest from 9.48%

Min. Age 21 years

Payout 1-2 days

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Representative example: effective interest rate 28.79%, 40,000, term of 5 years, fees 31,208, total 71,208. This example is based on the assumption that the monthly payment is made via direct debit and that the repayment schedule is followed.

Max Amount 500 000 kr.

Interest from 6%

Min. Age 20 years

Payout 1-2 days

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Loan example: nominal interest rate 8.67%, effective interest rate 10.34%, 90,000 kr over 5 years, origination fee 870 kr, monthly fee 35 kr. Cost: NOK 24,407; total: NOK 114,407. Maximum effective interest rate: 32.10%

Max Amount 90 000 kr.

Interest from 6.96%

Min. Age 21 years

Payout 1-2 days

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"Representative example: Effective interest rate 24.24%, 26,300, over 5 years, total cost 17,206, total 43,506. This example is based on the assumption that the monthly payment is made via direct debit and that the repayment schedule specified in the agreement is followed."

Max Amount 50 000 kr.

Interest from 39.97%

Min. Age 20 years

Payout 1-2 days

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Representative loan example for Ferratum FlexiCredit: 48.17% effective interest rate, 30,000, over 12 months, 39.97% nominal interest rate, fees 6,494.72 kr. Total: 36,494.72 kr.

Max Amount 600 000 kr.

Interest from 4.9%

Min. Age 25 years

Payout 1-2 days

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Example: Annuity loan 150,000 NOK, 5 years, nominal interest rate 10.90%, estab./term deposit 0 NOK gives effective interest rate 11.46%. Cost: 45,234 NOK. Total cost 195,240 NOK, cost 3,254 NOK/month. Repayment period 1-15 years, 5 years if you are not going to refinance. Updated 2025-03-24

Max Amount 100 000 kr.

Interest from 9.48%

Min. Age 25 years

Payout 1-2 days

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Representative example: effective interest rate 31.60%, NOK 30,000, o/5 years, cost NOK 25,794, total NOK 55,794. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan.

Max Amount 800 000 kr.

Interest from Varies

Min. Age 25 years

Payout 1-2 days

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Example: The interest rate is variable and set individually. Annuity loan NOK 150,000, 5 years, nom. interest 12%, estab./term fee NOK 0 gives eff. interest 12.68%. Total cost: NOK 200,200 or NOK 3,337/month (60 payments). Repayment period 1-15 years, 5 years if you are not refinancing. Eff. interest: 5.17%-48.76%.

Max Amount 800 000 kr.

Interest from 7%

Min. Age 20 years

Payout 1-2 days

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Repayment period 1–15 years (max 5 years if you are not refinancing). Nominal interest rate from 7.0–40.0% p.a. Effective interest rate from 7.2–49.8% p.a. depending on loan amount and repayment period. The interest rate is variable and set individually after a credit assessment. Example: NOK 230,000 over 6 years, nominal interest rate 11.39%, effective interest rate 12.00%, monthly installment approx. NOK 4,424, total to pay NOK 318,522.

All loans shown

Recommended: Låneråd NO Borrow up to 800 000 kr. with interest rates from 6.9%.

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Are you exploring loan options in Norway? Our Loan Calculator is designed to simplify the process for you. Whether you’re considering a personal loan, a mortgage, or any other type of loan, this tool provides a straightforward way to understand the specifics of your potential loan agreement. You can quickly determine your monthly payments, interest rates, and the total cost of your loan with just a few clicks.

Why not try out our Loan Calculator today? Simply input the loan amount, term, and interest rate, and you’ll immediately see a comprehensive breakdown of your loan options. It’s an efficient method to compare various loans, helping you choose one that aligns with your financial goals and budget, all without any stress.

How to use our loan calculator

Utilizing our loan calculator is incredibly simple and user-friendly:

Here’s how you can get started

Loan Amount: Input the desired amount you need to borrow. This amount can be tailored to a wide range of needs, whether it’s for purchasing a vehicle, financing a home, or covering personal expenses.
Loan Terms: Define the repayment period for your loan. This could be in years or months, depending on what best suits your financial plans and the available options.
Loan Purpose: Choose the purpose of your loan, such as for a mortgage, car purchase, education, home renovation, or any other reason. This selection helps us provide you with more specific and relevant information.

After entering these details, the calculator will instantly calculate and display your monthly payment. This information is vital for effective budgeting, ensuring you understand your financial obligations each month.

How does a loan calculator work?

A loan calculator is an intuitive tool that demystifies the specifics of a loan. By entering the loan amount, term, and interest rate, the calculator performs the calculations to present you with key details such as your monthly payment, total interest payable, and the overall cost of the loan.

These calculators are invaluable for financial planning. They enable you to adjust loan variables, allowing you to see how varying terms or interest rates impact your monthly payments and the total expense of the loan. This adaptability helps you make informed decisions tailored to your financial circumstances.

Using a loan calculator can clarify the often-complex figures associated with loans, turning them into understandable and actionable information. This makes it easier for you to make well-informed decisions regarding your loans in Norway.

FAQ

How accurate is the Loan Calculator?

The Loan Calculator provides a close estimate of your monthly payments and total loan cost based on the inputted interest rate and loan term, though actual conditions may vary slightly depending on the lender.

How do you calculate a loan?

A loan is calculated using the principal amount, interest rate, and loan term. The calculation considers how much interest you’ll pay over time and what your monthly payments will be.

Is there a fee to use the Loan Calculator on your website?

No, our Loan Calculator is completely free to use and available online to help you plan and make informed decisions about your borrowing needs.