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Axo Finans helps you find a lower interest rate. We guide you through different loans and terms, making it easy to find the offer that fits your budget.

The best part? We do all the work for you.

Simply fill out the application form, and let us find the best deals on your behalf.

If you want the best possible deal, using a broker like us is the smartest way to save both time and money.

Through Axo Finans, you can apply for a personal loan from 5,000 to 600,000 NOK without needing to provide collateral (security). You choose the amount and the repayment plan that works for you.

For larger amounts, you can refinance up to 800,000 NOK without security over 15 years. If you own property, you can also apply for refinancing with your home as security for up to 20 million NOK. This often gives you an even lower interest rate based on your property and finances.

And the best part? We do all of this for you. All you need to do, is to fill out the form.

Once you have submitted the application, we send it to our partners. We collaborate with specialist banks that focus on consumer credit and refinancing in Norway. The banks know they have to compete for you as a customer, which means they go further to set a low interest rate and put together strong terms.

After we have received responses, you receive the offers and choose which one suits you best. The offers are non-binding, so the decision is entirely yours. The application itself is quick to fill in, and the responses come fast.

One of the strengths of a consumer loan is that you can spend the money on whatever you want. The lender does not require you to specify a reason for applying, so it is entirely up to you what you use the funds for.

The most common reasons applicants give for taking out a consumer loan are:

Unforeseen expenses. A medical bill, a major appliance breaking down, or another sudden cost that needs to be covered.

Home improvements. Renovation, a new kitchen or bathroom, or other upgrades to the property.

Refinancing. Combining existing loans, credit cards, and consumer debt into one payment with better terms.

Other typical uses include buying or repairing a car, financing a wedding or another major event, or funding a project where you do not yet know the final cost. With a consumer loan from Axo Finans you get the financial flexibility you need, whatever the situation.

Finding the lender that offers the best terms for you can be a challenge. That is why it helps to have a broker like Axo Finans working on your behalf. To have your application processed, you need to meet a set of standard requirements.

Age. You must be at least 18 years old.

Norwegian residency. You need a Norwegian national identity number (fødselsnummer or D-nummer in some cases) and a registered address in Norway. This applies whether you are a Norwegian citizen, an EU or EEA citizen who has settled in Norway, or a third-country national with the right to live and work here.

Income. You need a documented annual income of at least 120,000 NOK. Income is verified automatically through the application, so you do not need to upload payslips or tax returns.

No payment defaults. You should not have active payment defaults registered against you. If you do have payment defaults but own property, refinancing with property as security may still be an option through a different application.

BankID or Vipps. You need one of these to verify your identity and sign the application securely.

If you do not meet all the requirements on your own, you can apply together with a co-applicant (medlåntaker). A co-applicant typically increases the chances of approval and can also produce a better interest rate, since the bank looks at the combined income and financial situation.