Kreditnu 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

Kreditnu suits Danish adults who want a fixed rate instalment plan and can repay it inside a short window, with free early repayment to finish sooner without a charge. As a direct lender it handles every stage itself, and the range is loans of DKK 4,000 to DKK 25,000 repaid over 24.

Key facts

Best for
Danish adults who need a small fixed rate loan and want the money on the day of approval.
APR
24.87% (Source, checked September 26, 2026)
Loan amount
DKK 4,000 to DKK 25,000 (Source, checked September 26, 2026)
Term
24 months (Source, checked September 26, 2026)
Arrangement fee
25% of the loan amount, added to principal and repaid in 24 equal instalments (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instant transfer, same day as approval during opening hours (Source, checked September 26, 2026)
Representative example
Loan of 5,000 kr. over 24 months: 260,41 kr. per month, 1,250 kr. total loan costs, 6,250 kr. total repayment, APR 24.87% (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
Yes (Source, checked September 26, 2026)
Eligibility
Age 23 to 70, Danish CPR number, Danish residence address, valid MitID, not registered in RKI (Source, checked September 26, 2026)
Origination fee (%)
25% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Legal entity
Blue Finance Denmark ApS, CVR 39824515 (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
kreditnu.dk

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • Money lands fast: the stated payout time is Instant transfer, same day as approval during opening hours.
  • Free early repayment, so a better month can cut the loan short for nothing.
  • Support runs on phone, email and help centre, so a phone line, an email route and a help centre are all there.

Cons

  • The arrangement fee of 25% of the amount borrowed is added to the principal, so the real cost sits far above the headline rate.
  • Credit checks are hard, hard, so there is no soft prequalification step before you apply.
  • The borrowing range is DKK 4,000 to DKK 25,000, so a small bridging sum is not an option.
Kreditnu

Ready to try Kreditnu?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Danish adults with a valid MitID and a Danish address who can clear a hard credit check.
  • Borrowers who want a fixed instalment they can finish over 24.
  • People who prefer a direct lender to a broker and want one company throughout.

Who should look elsewhere

  • Anyone shopping purely on price: Monzo Flex lists an APR of 10% to 23%, which sits below 24.87%.
  • Borrowers after the lowest headline cost: Cashspace ES shows an APR of 0%.

How your money is protected

Kreditnu is a direct lender rather than a broker, so the loan comes from the company you apply to and not from a panel of lenders. Its published representative example is the clearest warning here: the total you hand back sits well above the amount you borrow, which is where the arrangement fee shows up. Read that line before the monthly payment.

How it compares on our data

On this site's data Kreditnu sits low in each of the tables. It ranks 374 out of 685 brands on maximum loan amount, 266 out of 350 on APR, and 146 out of 232 on term. The term ranking sits in better territory, though a short term beside a high APR still leaves a heavy bill.

How Kreditnu compares

Where Kreditnu is available

Available
Denmark
Licence in Denmark
Finanstilsynet, checked September 26, 2026

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

Frequently asked questions

What will a Kreditnu loan cost me?+

The headline rate is an APR of 24.87%. On top of it sits an arrangement fee of 25% of the amount borrowed, which is added to what you repay rather than taken at the start. The rate is fixed, so your instalment does not shift during the loan.

How much can I borrow, and for how long?+

Kreditnu offers loans of DKK 4,000 to DKK 25,000, with a term of 24. Both personal and payday loans sit in that range, and the fixed rate means the instalment is set at the start. Because the arrangement fee joins the amount borrowed, the balance you clear is larger than the amount you asked for.

Who can apply for a Kreditnu loan?+

Applicants need a Danish CPR number, a Danish residence address, a valid MitID and no RKI registration, and they must fall inside a stated age band. A hard credit check is part of the decision, hard, so the file you apply on matters as much as the paperwork.

How fast do I get the money?+

The stated payout time is Instant transfer, same day as approval during opening hours, and same day funding is the feature Kreditnu leads on, same day funding. It depends on the credit decision rather than a separate approval step, so applying inside opening hours gives you the quickest route to cash.

Can I repay the loan early?+

Yes. Free early repayment means clearing the balance sooner adds no charge, which matters most if your finances improve. A caveat: the arrangement fee of 25% of the amount borrowed is added to the loan, so it is repaid with it rather than refunded when you settle early.

Is Kreditnu regulated, and who lends the money?+

Kreditnu is a Danish direct lender supervised by Finanstilsynet, and the credit is made by Blue Finance Denmark ApS, CVR 39824515 rather than by a broker who passes your details on. Their representative example shows the total repaid above the amount borrowed, so the headline monthly figure is the least useful number on offer.

Sources

  • kreditnu.dk/laan-penge checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Loan types, Pricing model, Origination fee (%), Representative example, Support channels

    “Debitorrente (fast aarlig) 0 %”

  • kreditnu.dk/laanevilkaar checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Headquarters, Legal entity, Lender type, Arrangement fee, Rate type, Term, Licences

    “AOP = 24,87 %”

  • kreditnu.dk/ofte-stillede-spoergsmaal checked September 26, 2026

    Backs: Funding time

    “KreditNU laver straksoverfoersel paa alle godkendte laaneansoegninger”

  • kreditnu.dk/om-kreditnu checked September 26, 2026

    Backs: Founded

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Kreditnu

Kreditnu

Danish adults who need a small fixed rate loan and want the money on the day of approval.

8.8/10See 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