Axo Group review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Axo Group suits Norwegian borrowers with steady income and good credit who want a single broker application covering personal, debt consolidation and secured loans. The 8.19% to 26.23% range starts below the 12% site median, though the arrangement fee of 0-1990 NOK can lift the real cost.

Key facts

Best for
Norwegian adults with good credit after a soft prequalification check, borrowing up to NOK 5,000 to NOK 600,000 for a home improvement.
APR
8.19% to 26.23% (Source, checked September 26, 2026)
Loan amount
NOK 5,000 to NOK 600,000 (Source, checked September 26, 2026)
Term
12 to 360 months (Source, checked September 26, 2026)
Arrangement fee
0-1990 NOK (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
1-2 business days from application to payout (Source, checked September 26, 2026)
Representative example
Personal loan example: effective rate 13.32%, loan amount 150,000 NOK repaid over 5 years, cost 52,811 NOK, total 202,811 NOK (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Over 18 years old, stable income and no payment remarks (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Axo Finans AS (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
axogroup.com

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • One broker application covers personal, debt consolidation and secured, so quotes from several lenders can be compared side by side.
  • Arrangement fee runs 0-1990 NOK, so the higher end of that range is the part of the cost most borrowers feel.
  • The credit check is a soft prequalification, described as soft prequal, which is a lighter step than a full assessment.
  • Early repayment is free, so clearing a personal loan ahead of the agreed schedule adds no extra fee.

Cons

  • The APR range of 8.19% to 26.23% leaves room for a high rate, well above the 12% site median across lenders.
  • Support runs on email, phone and help centre only, so nobody wanting live chat or a branch visit finds either.
  • The good credit requirement is a real limit, and applicants with a thin file sit outside this broker's range.

Ready to try Axo Group?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Norwegian adults with a stable income and no payment remarks, matching the stated eligibility rules for every application.
  • Borrowers consolidating several smaller debts into a single repayment, with terms of 12 to 360 to spread the balance.
  • Home improvement projects large enough to sit inside the NOK 5,000 to NOK 600,000 ceiling, with payout inside 1-2 business days from application to payout.

Who should look elsewhere

  • Borrowers who want a single named lender rather than a broker: Monzo Flex quotes 10% to 23% on its own terms.
  • Borrowers who prefer a different market: Cashspace quotes PHP 12 to PHP 36, a range to weigh against this broker's 8.19% to 26.23%.
  • Applicants with payment remarks or unstable income, who fall outside the eligibility rules and need a lender used to thin files.

Safety and regulation

Axo Group operates as a broker rather than as the lender itself, and the licence lists Finanstilsynet as the regulator in Norway. Because a broker matches you with lenders, the name on your final offer decides who holds the debt. The published representative example sets a personal loan against the total cost of borrowing, so read it before you pick a term.

Who runs it

The contracting entity is Axo Finans AS, based in no, with the parent group formed in 2008. Axo Group is built around lending affiliates rather than a single in house book, which is why a broker comparison is a sensible first step before committing. Support runs on email, phone and help centre, giving you a phone line, email and a help centre for questions before and after you sign.

How Axo Group compares

Where Axo Group is available

Available
Denmark, Finland, Norway, Sweden
Licence in Norway
Finanstilsynet, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Axo Group charge on a personal loan?+

Rates run 8.19% to 26.23% depending on the lender you are matched with. The published representative example shows an effective rate on a mid sized personal loan, and the site median across lenders is 12%, so the rate you are offered tracks your own credit profile.

Is there an arrangement fee to pay?+

Yes. The origination fee runs 0-1990 NOK, which is the charge for setting the loan up. On a smaller personal loan that setup cost weighs more than the headline rate, so weigh it before comparing two offers at the same APR.

How much can I borrow and over what term?+

Loan amounts run NOK 5,000 to NOK 600,000 and terms run 12 to 360. Home improvement is the stated use case, alongside personal borrowing and debt consolidation, so a larger loan can replace several smaller debts.

Does applying damage my credit score?+

The credit check is a soft prequal check, so a first application is lighter than a full assessment. Good credit is the stated requirement here, while the 45.1% band of borrowers sits in a different part of the market.

Who is regulated here and who actually lends the money?+

Axo Group is a broker operating in Norway under Finanstilsynet, so it matches you with lenders rather than carrying the loan. The legal entity you deal with is Axo Finans AS, and the lender named on your final offer is the party that holds the debt.

How quickly is money paid out?+

Funding takes 1-2 business days from application to payout from application to payout, which suits planned spending such as a renovation rather than an emergency. Same day funding, a feature on 82.9% of lenders, is the alternative if the date cannot move.

Can I pay the loan off early?+

Yes, early repayment is free, so a personal loan cleared sooner than planned costs no extra fee. That makes a short term sensible if the budget can absorb it, and it is common among 81.2% lenders.

Who can apply?+

Applicants must be adults with a stable income and no payment remarks. Borrowers with a thin file sit in the 20.3% group that many lenders decline, so check a soft prequalification before spending time on a full application.

Sources

  • axogroup.com checked September 26, 2026

    Backs: Headquarters, Use cases

    “Address:St. Olavs gate 28 0166 Oslo”

  • axogroup.com/en/about-us checked September 26, 2026

    Backs: Founded

    “Since our inception in 2008, we have grown to become one of the largest players in our field across the Nordics”

  • axogroup.com/en/affiliates checked September 26, 2026

    Backs: Lender type

    “Axo is one of the largest loan brokers in the Nordics”

  • axofinans.no/faq/forbrukslan checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Funding time

  • axofinans.no/forbrukslan checked September 26, 2026

    Backs: Legal entity, Loan types, Support channels, Licences

    “© 2012-2026 Axo Finans AS, All Rights Reserved”

  • axofinans.no/om/priser checked September 26, 2026

    Backs: Free early repayment, APR, Arrangement fee, Representative example, Term

    “Effektiv rente, fra-til 8,19% - 26,23%”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Axo Group

Norwegian adults with good credit after a soft prequalification check, borrowing up to NOK 5,000 to NOK 600,000 for a home improvement.

8.9/10See alternatives

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