Updated September 28, 2026 · BorrowCue Editorial Team
BCS Lending vs Lendo.no
BCS Lending vs Lendo.no: the differences
| Compare |  BCS Lending |  Lendo.no |
|---|---|---|
| APR | 2.49% to 19.99%Lower | 9.45% to 17.77% |
| Loan amount | $5,000 to $100,000 | NOK 10,000 to NOK 600,000 |
| Term | 24 to 144 months | 12 to 180 monthsHigher |
| Arrangement fee | $0 | 0 NOK |
| Funding time | Funds as soon as the same day you apply | Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 business days |
| Representative example | $25,000 loan at 5.99% APR with a term of 12 years would result in 144 monthly payments of $243.83; maximum APR 29.99% | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK |
| Lender type | Direct lender | Marketplace |
| Eligibility | Good credit with sufficient income and assets; individuals only, not businesses; approved applicants need a valid Visa or MasterCard for identity verification | Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway |
| Loan types | Personal, Debt consolidation, Car | Personal, Debt consolidation, Credit line, Car, SecuredCovers more |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- BCS Lending scores higher overall: 9.3 vs 8.9.
- APR is lower at BCS Lending: 2.49% to 19.99% vs 9.45% to 17.77%.
- Term is higher at Lendo.no: 12 to 180 months vs 24 to 144 months.
- Support channels: only Lendo.no offers Phone, Chat.
- Features: only BCS Lending offers Same day funding.
- Features: only Lendo.no offers Credit line.
- Loan types: only Lendo.no offers Credit line, Secured.
Our verdict on each
BCS Lending
BCS Lending is a direct US lender for people with good credit who want a long, fixed repayment on a larger balance rather than a short one.
Lendo.no
Lendo is a Norwegian loan marketplace that suits borrowers who would rather see offers from several banks than apply to a single lender. Personal loans run NOK 10,000 to NOK 600,000 at effective rates of 9.45% to 17.77%, with the origination fee at 0 NOK and free early repayment.
Score breakdown
| Area | BCS Lending | Lendo.no |
|---|---|---|
| Cost | 9.5HigherArrangement fee of $0, APR of 2.49% to 19.99% and terms of 24 to 144 on a fixed rate loan. | 9.1 |
| Offer | 9.2 | 9.4HigherMarketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. |
| Trust | 9.2Higher | 8.4 |
Ranges side by side
| Fact | BCS Lending | Lendo.no |
|---|---|---|
| APR | 2.49% to 19.99% | 9.45% to 17.77% |
| Term | 24 to 144 months | 12 to 180 months |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
BCS Lending
388.52 to 3,377.06
388.52 to 3,377.06
Lendo.no
1,523.45 to 2,973.36
1,523.45 to 2,973.36
BCS Lending comes out 1,134.93 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | BCS Lending | Lendo.no |
|---|---|---|
| Personal loans | 316 of 1920 | 810 of 1920 |
| Debt consolidation loans | 86 of 425 | 280 of 425 |
| Car loans | 72 of 432 | 255 of 432 |
| Home improvement loans | 103 of 562 | 365 of 562 |
Every fact side by side
| Fact | BCS Lending | Lendo.no |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Credit line |
| Legal entity | Beachfront Credit Services | Lendo AS (org. nr. 997 523 814) |
| Headquarters | United States | Norway |
| Founded | Not confirmed | 2012 |
| Support channels | Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | BCS Lending | Lendo.no |
|---|---|---|
| Initial rate | Not confirmed | 4.89% to 5.84% |
| APRC | Not confirmed | 5.37% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | NOK 0 |
| Purpose | Not confirmed | Remortgage |
Where each stands against the rest
| Fact | BCS Lending | Lendo.no | Median |
|---|---|---|---|
| APR | 2.49% to 19.99%lowest quarter | 9.45% to 17.77%above the median | 8.99 |
| Term | 24 to 144 monthshighest quarter | 12 to 180 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
BCS Lending
Pros
- The arrangement fee is $0 and the percentage fee is 0%, so nothing is added to set the loan up.
- APR of 2.49% to 19.99% on a fixed rate loan, so the instalment does not move during the term.
- Balances of $5,000 to $100,000 with terms of 24 to 144 suit substantial projects.
Cons
- Applications run a hard credit search, so a declined application stays on the file.
- Support runs on email and help centre only, with no phone line offered.
- The top of the advertised rate, 2.49% to 19.99%, sits above the site median of 12%.
Lendo.no
Pros
- As a marketplace it places bank offers behind a single application, spanning personal, debt consolidation, credit line, car and secured loans (personal, debt consolidation and credit line).
- Fees of 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment costs nothing extra.
- Remortgage offers carry an initial rate of 4.89% to 5.84%, an APRC of 5.37% and borrowing up to 90% of property value.
Cons
- Applicants must clear registered payment remarks and collection cases, plus a minimum income, an own email address and a Norwegian phone number.
- Credit checks are hard (hard), so a full search runs rather than a soft prequalification.
- Payout waits on the bank for an answer and a documentation check, so plan for a waiting period.
Who each suits
BCS Lending
Who it suits
- People with good credit and enough income and assets to cover the repayments, applying as individuals.
- Borrowers funding a home improvement project who want a fixed rate repayment and free early repayment.
- Anyone who values speed, since Funds as soon as the same day you apply.
Who should look elsewhere
- Companies and limited companies, because BCS Lending lends to individuals only.
- Borrowers who want a lower starting rate, since Cashspace ES lists 0% against 2.49% to 19.99% here.
- Anyone who needs to speak to an adviser on the phone, since support runs on email and help centre only.
Lendo.no
Who it suits
- Norwegian borrowers with a registered income and a clean payment record who want bank offers side by side.
- People consolidating debts or paying for home improvement, which is a listed use (home improvement).
- Homeowners remortgaging, where offers start at an initial rate of 4.89% to 5.84%.
Who should look elsewhere
- Readers who want a single lender rather than a bank marketplace: Monzo Flex quotes 10% to 23%.
- Borrowers settled on a higher rate profile: Cashspace lists PHP 12 to PHP 36.
Current offers
BCS Lending
Current offer
Bonus
$100 Loan Experience Guarantee: $100
Complete a questionnaire if not completely satisfied; guarantee expires 30 days after the loan is received; limited to one $100 payment per funded loan
Source, checked September 26, 2026
Country by country
| Country | BCS Lending | Lendo.no |
|---|---|---|
| Norway | No | Yes |
| United States | Yes | No |
Questions about each
BCS Lending
Does BCS Lending charge arrangement or origination fees?+
Neither fee applies: the arrangement fee is $0 and the percentage fee is 0%. Interest is therefore the only cost to weigh on a fixed loan, and early repayment is free, so paying a balance off early does not add a charge.
What rate will I pay on a BCS Lending loan?+
The advertised APR runs 2.49% to 19.99% on a fixed rate basis, so the instalment stays level across the whole term rather than moving with a base rate. The representative example also quotes a maximum APR above that headline range, which is why the offer on your own application is the figure to read.
Lendo.no
What fees does Lendo charge?+
The arrangement fees sit at 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment is free. The interest rate comes from the bank that answers your application, with personal loan rates running 9.45% to 17.77%.
Who regulates Lendo?+
Lendo acts as a marketplace, so it introduces you to banks and the lending contract is with the bank, not with Lendo. Its Norwegian licence sits with Finanstilsynet, and consumer loan rates run 9.45% to 17.77%. The published representative example shows what borrowing costs once interest is added to the amount taken.