Apply for loans and credit cards

Find the right application for what you want to finance

On Loan.no, you can find application pages for several types of loans and credit cards. The right option depends mainly on what you want to finance and which type of product you are looking for.

You can continue to applications for personal loans, refinancing, credit cards or mortgages. Each category has its own page with information and an application flow adapted to that specific type of product.

Personal Loans

Personal loans are unsecured loans that can be used for a range of purposes. You normally do not need to provide your home, car or other assets as security for the loan.

How much you may be offered, the interest rate you receive and the terms that apply depend on the lender’s individual assessment of factors such as your income, existing debt and ability to repay.

Refinancing

Refinancing means replacing existing loans or credit with a new financing agreement. It may be relevant if you want to combine several unsecured loans or credit card balances into one agreement.

A new agreement is not necessarily cheaper. Compare the effective interest rate, fees, repayment period, monthly payment and total repayment before deciding whether to accept an offer.

Credit Cards

A credit card gives you access to a credit limit that you can use when needed. Instead of applying for a fixed loan amount, you apply for an available credit limit.

When comparing credit cards, you should look at factors such as the effective interest rate, annual fee, interest-free days, foreign exchange fees, cash withdrawal fees and other terms that may affect the cost of using the card.

Mortgages

Mortgages are used to finance property and are normally secured against the property itself. How much you can borrow depends on factors such as your income, existing debt, deposit and ability to repay.

Mortgages often have long repayment periods, so even small differences in interest rates can have a significant effect on the total cost over time.

What should you consider before applying?

Whatever type of financing you are considering, you should first think about how much you actually need and how large a monthly payment your finances can comfortably support.

Do not compare the nominal interest rate alone. The effective interest rate also takes fees into account and therefore gives a better indication of the actual cost of the loan or credit.

How an application is assessed

When you continue to one of the application pages, you provide the information required for that particular type of financing.

A credit assessment is normally carried out as part of the application process. The lender or partner may consider factors such as your income, debt, payment history and other circumstances that affect your ability to repay.

Submitting an application does not guarantee that you will receive an offer, and the interest rate, amount and other terms may vary from one applicant to another.

Compare before you apply

If you have not yet decided which product or provider to choose, you can first visit Loan.no’s comparison pages.

There you can find separate comparison pages for personal loans, refinancing, credit cards and mortgages, allowing you to review the available options before continuing to an application.

Choose the application that fits your needs

There is no single type of financing that is suitable for every purpose. A mortgage works differently from a personal loan, while credit cards have different costs and terms from refinancing.

Choose what you want to finance first, read the information on the relevant application page and review the costs and terms before submitting your application.