Jyske Bank review

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

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Our verdict

Jyske Bank suits existing customers in Denmark who want a home loan or a car loan from a bank they already bank with. Home loans start at an initial rate of 2.93% with an APRC of 3.1%, and the car loan runs at an APR of 6.1% to 6.2%.

Key facts

Best for
Existing Jyske Bank customers buying a home or a car from a Danish dealer.
Initial rate
2.93% (Source, checked September 26, 2026)
APRC
3.1% (Source, checked September 26, 2026)
Fixed period
0.25 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
DKK 7,500 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Founded
1967 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
jyskebank.dk

Loans

APR
6.1% to 6.2% (Source, checked September 26, 2026)
Term
60 to 96 months (Source, checked September 26, 2026)
Arrangement fee
Fixed, low establishment fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Answer by next business day, money received within a few business days (Source, checked September 26, 2026)
Representative example
Jyske Billån, 300.000 kr. over 96 months, monthly payment 3.952 kr. before tax, ÅOP 6,2 %, fixed debtor rate 5,22 % (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Existing Jyske Bank customer; car bought from a Danish dealer, max 8 years old; min 10 % down payment; comprehensive insurance required (Source, checked September 26, 2026)
Loan types
Car, Personal, Secured (Source, checked September 26, 2026)
Founded
1967 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Home loan initial rate of 2.93% with an APRC of 3.1%
  • Car loan at an APR of 6.1% to 6.2% on a fixed rate of fixed
  • Hard credit check, so the decision follows a full file review rather than a soft pre-qualification
  • Support runs on phone and help centre

Cons

  • The home loan fixed period is 0.25, among the shortest on the site
  • The home loan carries a product fee of DKK 7,500
  • Car loans charge a fixed establishment fee of Fixed, low establishment fee and free early repayment is no
Jyske Bank

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Existing Jyske Bank customers buying a home, remortgaging or adding home equity
  • Buyers financing a car through a Danish dealer who keep comprehensive insurance

Who should look elsewhere

  • Buyers wanting a long rate fix, since the fixed period is 0.25
  • Car buyers outside dealer purchases or first-time borrowers with no Jyske Bank account

How Jyske Bank compares

Where Jyske Bank is available

Available
Denmark

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

Frequently asked questions

What rate does Jyske Bank offer on a home loan?+

The home loan starts at an initial rate of 2.93%, with an APRC of 3.1%. Lending tops out at a maximum loan to value of 80%, and the bank lends for purchase, remortgage and home equity under purchase, remortgage and home equity. A product fee of DKK 7,500 also applies.

How long is the rate fixed on a Jyske Bank home loan?+

The fixed period is 0.25, a short window that leaves the rate open to review sooner than most of the market. The site median fixed period is 6.5, so borrowers wanting a longer lock should look wider.

What does a Jyske Bank car loan cost?+

The car loan APR is 6.1% to 6.2%, and the rate type is fixed on a fixed rate model. Terms run 60 to 96, and there is a fixed, low establishment fee of Fixed, low establishment fee. The site median APR is 12%.

Who can apply for a Jyske Bank car loan?+

You need to be an existing Jyske Bank customer, and the car must come from a Danish dealer with a maximum age, plus a down payment and comprehensive insurance. A hard credit check applies, so the file is looked at in full.

Can I repay a Jyske Bank car loan early without charge?+

Free early repayment is no on the car loan, so settling the balance ahead of schedule may come with a cost attached. Worth weighing against the 60 to 96 term before you sign. Most of the market, 81.2%, offers free early repayment.

How quickly is a Jyske Bank car loan funded?+

The bank aims to answer by the next business day, with the money received within a few business days. That is quicker than the same-day funding most of the market, 82.9%, manages, so plan the handover with your dealer.

How do I get help from Jyske Bank?+

Help runs on phone and help centre. Phone is the channel most of the market, 85%, relies on too, and the help centre covers written questions. Jyske Bank is a direct lender under direct lender, so you deal with the bank itself.

When was Jyske Bank founded, and what does it lend?+

The bank dates back to 1967. Its lending runs to car, personal and secured borrowing under car, personal and secured, on top of the home loan, remortgage and home equity lines. A direct lender, it approves and funds in its own name.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Jyske Bank

Jyske Bank

Existing Jyske Bank customers buying a home or a car from a Danish dealer.

9.0/10See alternatives

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