DNB review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

DNB suits Norwegian borrowers who want a single bank for home loans and a revolving credit line, with DNB Bank ASA behind both. Its loan to value of 100% places it 4 of 293 in the comparison, while the 5.44% initial rate runs above most lenders on file.

Key facts

Best for
A single lender for Norwegian home loans plus a revolving credit line.
Initial rate
5.44% (Source, checked September 26, 2026)
APRC
5.65% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
NOK 2,190 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
DNB Bank ASA (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
1990 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre, Email (Source, checked September 26, 2026)
Official website
dnb.no

Loans

APR
11.7% (Source, checked September 26, 2026)
Loan amount
NOK 100,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
from NOK 500 (establishment fee, deducted from the granted credit limit) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
1-2 business days (Source, checked September 26, 2026)
Representative example
DNB Forbrukslån: nominal 10.9 %, effective 11.7 %, NOK 100 000 over 5 years, establishment fee NOK 500; cost NOK 30 806, total NOK 130 806 (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Norway; for home loans you can generally borrow up to five times your annual income and need 10 % equity (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Credit-line, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
DNB Bank ASA (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
1990 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre, Email (Source, checked September 26, 2026)
Features
Credit line

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Loan to value of 100%, which suits buyers with a small deposit to add.
  • The 5.44% starting rate holds for 10, longer than the 6.5 median across lenders.
  • Lending covers personal, secured and car, keeping property, car and business borrowing with the same lender.
  • Support on phone, chat and help centre means phone, chat, email and help centre all run through the same bank.

Cons

  • The 5.44% initial rate is above the 4.35% median here, and the 5.65% is above the 4.9% median too.
  • Every application runs a hard credit check, the strict kind, which rules out thinner files.
  • The establishment fee is taken out of the granted credit limit, so the usable amount starts below the headline figure.

Ready to try DNB?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Norwegian buyers with an equity stake and steady income, since home loans are capped at a multiple of annual income.
  • Borrowers who want a home loan and a credit line from the same lender rather than splitting the relationship.
  • Applicants comfortable dealing with a direct lender, with direct lender behind the products and DNB Bank ASA named on the accounts.

Who should look elsewhere

  • Price-first buyers: Prestalo lists 2.36% and Creditilia ES lists 4%, both under DNB's 5.44%.
  • Borrowers with a thin credit file, since the hard check is the strict kind and Sofkredit's quoted 8% to 14% sits higher, so a cheaper route is unlikely there.

How DNB compares

Where DNB is available

Available
Norway

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

Frequently asked questions

What rate does DNB offer on a home loan?+

The listed initial rate is 5.44% and the annual percentage rate is 5.65%. That price is fixed for 10, a longer fixed stretch than the 6.5 median across lenders on the site. Both figures are for Norwegian home loans.

What does borrowing cost in total?+

The consumer loan example runs at an effective 11.7% on NOK 100,000 repaid over 60. Interest is not the only charge: an establishment fee is deducted straight from the granted credit limit, so the usable balance starts under the headline amount, and a product fee of NOK 2,190 is also listed.

How much can I borrow against a home?+

Maximum loan to value is 100%, ranking 4 of 293 in the comparison. Home loan eligibility is also capped at a multiple of your annual income and needs an equity stake, so buyers without a deposit have a harder route.

Who can apply for DNB lending?+

DNB lends in Norway, and the legal entity behind the accounts is DNB Bank ASA, headquartered in no. Home loan applicants generally need a steady income and an equity stake, since the lending cap is tied to annual income. Borrowers outside Norway would find these products unavailable.

What credit check does DNB run?+

Applications carry a hard credit check, the strict kind of check, so a thin credit history can stop an application early. Nothing softer is listed for this lender, so it is worth checking your own record before applying rather than after a decline.

How quickly is money delivered?+

Consumer loans are funded in 1-2 business days. That window applies to the consumer loan and credit line side of the range, since personal, secured and car also covers secured, car and business lending, which follow their own approval and security process.

Does DNB offer a revolving credit line?+

A credit line is listed among the features, so you can draw and repay within a limit rather than taking a fresh loan for each need. personal, secured and car shows the rest of the range, including personal, car and business lending for anyone who wants a single facility set.

What support is available after you sign up?+

Support runs on phone, chat and help centre, covering phone, chat, email and a help centre. That mix suits borrowers who want a person on the other end of a large purchase as much as those who prefer written answers and self-service help pages.

Sources

  • dnb.no checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Head office: Dronning Eufemias gate 30, 0191 Oslo”

  • dnb.no/boliglan checked September 26, 2026

    Backs: Maximum loan to value, Purpose, Support channels

    “You can borrow up to 100% of the purchase price with additional security, for example in a parent's home”

  • dnb.no/hjelp-og-veiledning/lan checked September 26, 2026

    Backs: Term

  • dnb.no/lan/boliglan checked September 26, 2026

    Backs: Credit check, Eligibility, Lender type

  • dnb.no/lan/forbrukslan checked September 26, 2026

    Backs: Features, Funding time, Use cases

  • dnb.no/lan/priser checked September 26, 2026

    Backs: Loan amount, APR, APRC, Fixed period, Initial rate, Loan types, Arrangement fee, Product fee, Representative example

    “Forbrukslån: Nominell rente 10,9 %, effektiv rente 11,7 %, kroner 100 000 over 5 år, etableringsgebyr 500 kroner. Kostnad 30 806 kroner. Totalt 130 806 kroner.”

  • dnb.no/om-oss/historien-vaar checked September 26, 2026

    Backs: Founded

    “1990: two of the country's largest banks, Bergen Bank and Den norske Creditbank, merged and formed Den norske Bank (DnB)”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

DNB

A single lender for Norwegian home loans plus a revolving credit line.

9.1/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings