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.

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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 individually. 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. Eff. 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 loan of NOK 2 million over 25 years, cost NOK. 2,622,146, total kr. 4.622.146

Popular

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%, NOK 150,000, o/5 years, cost NOK 49,237. Total of NOK 199,237.

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, o/5 years, cost 17,674, total 42,674. The example is calculated based on the monthly amount being paid via direct debit and that the agreement's repayment plan is adhered to.

Max Amount 250.000 kr.

Interest from 9.48%

Min. Age 21 years

Payout 1-2 days

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"Thorn Privatlån Pluss / TryggLån Representative example: effective interest rate 26.0%, 25,000, o/5 years, cost 17,588, total 42,588. The example is calculated based on the monthly amount being paid via direct debit and that the agreement's repayment plan is adhered to. Thorn Samlelån Representative example: effective interest rate 14.42%, 120,000, o/8 years, cost 77,204, total 197,204. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan."

Max Amount 600.000 kr.

Interest from 4.9%

Min. Age 25 years

Payout 1-2 days

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Example interest rate: Eff. interest 11.46%, NOK 150,000, o/5 years, Cost: 45 234 kr. Total of NOK 195,240

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, o/5 years, cost 31,208, total 71,208. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan.

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%, NOK 90,000 o/5 years, set-up fee NOK 870, term fee NOK 35/ month. Cost NOK 24,407, total NOK 114,407. Max. 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: Eff. interest 24.24%, 26300, o/5 years, cost. 17206, tot. 43506. The example is calculated based on the monthly amount being paid via direct debit and compliance with the agreement's repayment plan. "

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.

Borrowing costs money! If you cannot repay your debt in time, you are at risk of receiving a payment remark (betalingsanmerkning). Having a payment remark means you could experience difficulties renting accommodation, taking out subscriptions, or being granted new credit. For free financial and debt counselling, please contact NAV. You can find contact details at nav.no.

Top Recommended: Lendo.no Borrow up to 500.000 kr. with interest rates from 4.9%.

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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.