L'easy review

Updated September 30, 2026 · BorrowCue Editorial Team · Facts checked September 30, 2026

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Our verdict

L'easy suits borrowers funding home improvement with predictable fixed instalments, direct servicing and flexible early settlement. APR of 24.51% plus fees of 8% of loan amount keeps total cost above mainstream levels, so compare illustrated totals and rival offers carefully before applying.

Key facts

Best for
Planned home improvement borrowing repaid over steady fixed instalments
APR
24.51% (Source, checked September 30, 2026)
Loan amount
DKK 10,000 to DKK 200,000 (Source, checked September 30, 2026)
Term
48 to 96 months (Source, checked September 30, 2026)
Arrangement fee
8% of loan amount (Source, checked September 30, 2026)
Credit check
Hard (Source, checked September 30, 2026)
Funding time
2-3 bank days after signing (Source, checked September 30, 2026)
Representative example
10,000 kr over 84 months, fixed rate 20.98%, APR 24.51%, monthly 235 kr, total 19,711 kr (Source, checked September 30, 2026)
Rate type
Fixed (Source, checked September 30, 2026)
Lender type
Direct lender (Source, checked September 30, 2026)
Free early repayment
Yes (Source, checked September 30, 2026)
Eligibility
Must not be registered in RKI or Debitor Registret; apply with MitID (Source, checked September 30, 2026)
Origination fee (%)
8% (Source, checked September 30, 2026)
Loan types
Personal (Source, checked September 30, 2026)
Use cases
Home-improvement (Source, checked September 30, 2026)
Legal entity
3C Retail A/S (Source, checked September 30, 2026)
Headquarters
Denmark (Source, checked September 30, 2026)
Founded
1985 (Source, checked September 30, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 30, 2026)
Pricing model
Fixed rate
Official website
leasy.dk

Apps and profiles

Elsewhere
WikidataLinkedInTrustpilot

Pros and cons

Pros

  • Fixed rate pricing at APR of 24.51% keeps instalments predictable across 48 to 96 months for budgeting with confidence
  • Early settlement without penalty under free early repayment helps reduce total interest where spare funds arise later
  • Support across email, phone and help centre gives flexible contact alongside direct lending via direct lender for clear accountability
  • Stated home improvement purpose within home improvement suits planned renovation borrowing within amounts of DKK 10,000 to DKK 200,000

Cons

  • APR of 24.51% sits above median borrowing cost seen at 16% across the wider market and raises total repayment
  • Origination charge of 8% of loan amount adds upfront cost to every advance under this tariff and lifts the effective burden
  • Funding in 2-3 bank days after signing is slower than many rivals offering rapid payout and suits planned rather than urgent spending
  • Hard credit assessment via hard leaves a mark on the file even where lending is declined after review
L'easy

Ready to try L'easy?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Borrowers planning home improvement works who value fixed instalments and APR of 24.51% clarity
  • Borrowers seeking mid sized advances of DKK 10,000 to DKK 200,000 repaid steadily over 48 to 96 months
  • Borrowers who may settle early and value free early repayment without added penalty

Who should look elsewhere

  • Borrowers needing rapid payout should consider Ibancar Prestamos where timing matters more than extended fixed terms
  • Borrowers sensitive to upfront fees should consider Mi Prestamo Es where fee structure may feel lighter than fees of 8% of loan amount

Rates and costs

L'easy charges APR of 24.51% alongside origination fees of 8% of loan amount taken as a share of the amount advanced. The published illustration describes a modest advance repaid across an extended schedule at a stated fixed rate, showing the monthly instalment and the aggregate sum payable over the life of the agreement. Free early repayment allows you to settle ahead of schedule without added penalty, which can limit further interest where funds become available during the term. Taken together, the headline rate, the upfront load and the illustration define total cost more clearly than rate alone. Readers should weigh the combined burden with care, using the illustration to test affordability, to compare total repayment with other fixed rate personal loan tariffs, and to judge whether the structure fits planned expenditure rather than short term cover.

Where it sits among rivals

On loan size, L'easy holds position 146 among 462 brands compared on maximum advance, which places it within the broad middle of the market for funded amounts. On price, it holds position 137 among 206 brands compared on APR, which signals pricing above the cheapest personal loan options yet below the highest cost tail seen across comparison tables. The pairing of mid range scale with upper mid pricing explains its appeal for planned borrowing rather than bargain hunting or very large funding. Readers weighing scale against rate should read these placements together, since a middle ranking on size alongside a softer ranking on price points toward steady mainstream provision. Context from peer placements helps set expectations before closer review of illustrated totals and account terms.

Safety and regulation

L'easy provides credit directly as a lender of type direct lender, which means underwriting and servicing sit with the same provider rather than a broker chain or outside introducer. The published illustration supports assessment by showing how a representative advance, fixed rate, instalment pattern and total payable relate to each other over an extended schedule. That transparency helps you judge affordability and compare total repayment with other fixed rate personal loans that publish equivalent illustrations. Direct accountability plus a documented illustration gives a clear basis for judging suitability before you share verification details. Readers can use the illustration to model budget impact, to sense how instalments evolve across the term, and to decide whether direct provision aligns with preferences for clarity and responsibility.

Regulation

The lending model is direct, described as direct lender, so the application, decision, funding and ongoing account management remain with the originating firm from start to finish. Such a structure clarifies responsibility where queries arise about statements, arrears handling or settlement figures during the life of the agreement. You benefit from a consistent point of contact across the term, without referral to outside intermediaries or fragmented servicing arrangements that can complicate communication. Assess service quality, complaint handling and clarity of terms alongside price when deciding whether direct provision meets your preferences. A direct model also helps you understand who decides, who funds, and who to approach where circumstances change or where support is needed.

Who runs it

The operating company is identified by 3C Retail A/S, with home market in DK and origins in 1985. Longevity in consumer credit suggests established systems for application handling, servicing and collections, alongside familiar processes for customer contact and account administration. Day to day help is offered through email, phone and help centre, covering written contact, voice contact and self serve resources for common queries about repayments, documents and account changes. The combination of a named corporate entity, a defined home base, extended market presence and varied service routes helps you understand who stands behind the agreement. Readers valuing continuity may take comfort from an established footprint, while still comparing cost, illustrated totals and service responsiveness with other direct providers before proceeding.

How L'easy compares

Where L'easy is available

Available
Denmark
Licence in Denmark
Finanstilsynet, checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What does borrowing from L'easy cost in practice+

L'easy prices credit at APR of 24.51% with an origination charge of 8% of loan amount. The published illustration sets out loan size, fixed rate, monthly instalment and total payable, so you can weigh total cost before you commit to an application and compare with rival tariffs.

How much can you borrow and over what repayment period+

You can request amounts of DKK 10,000 to DKK 200,000 and repay over 48 to 96 months. The range suits mid sized projects rather than very small top ups, while the extended duration keeps monthly instalments structured although total interest rises across longer schedules.

Is L'easy a direct lender or an intermediary+

L'easy operates as a lender of type direct lender, so you deal directly with the credit provider identified by 3C Retail A/S. That structure keeps responsibility for underwriting, payout and servicing within the same organisation rather than passing you to intermediaries or outside agents.

How quickly are funds paid after approval+

Payout follows in 2-3 bank days after signing. You should allow time for signing, verification and bank transfer, which makes this option less suited to urgent spending where rapid availability matters and careful planning ahead remains advisable for project timetables.

Can you repay the loan early without extra charges+

Reviews note free early repayment, meaning you may clear the balance ahead of schedule without added penalty. Early settlement reduces remaining interest exposure, although you should confirm the final settlement figure with servicing before you transfer funds to close the account in full.

How do you contact L'easy for help with your loan+

Support is available on email, phone and help centre, giving choice across written help, voice contact and self serve guidance. The business is established since 1985 and based in Denmark, which helps you know where servicing sits and how to raise queries during the agreement.

Who can apply and what credit check is used+

Applicants must avoid arrears registers and apply with MitID, while assessment uses hard. The check records an enquiry on your file, so you should apply only after comparing APR of 24.51% and fees of 8% of loan amount with rival terms and checking affordability with care.

Sources

  • leasy.dk/forbrugslaan checked September 30, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Loan types, Pricing model, Representative example, Term, Use cases

    “Forbrugslan - Loan 10,000-200,000 kr. without collateral”

  • leasy.dk/gebyroversigt checked September 30, 2026

    Backs: Arrangement fee, Origination fee (%)

    “Cash loan - included in monthly payment: 8% of loan amount”

  • leasy.dk/kontakt-os checked September 30, 2026

    Backs: Support channels

    “Call 88 88 88 88, email leasy@leasy.dk, customer service pages”

  • leasy.dk/laan-penge checked September 30, 2026

    Backs: Legal entity, Lender type, Rate type

    “L'easy A/S (3C RETAIL A/S)”

  • leasy.dk/om-os checked September 30, 2026

    Backs: Founded, Headquarters

    “L'easy began in 1985 when Niels Thorborg founded VaskRent”

  • finanstilsynet.dk checked September 30, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

L'easy

L'easy

Planned home improvement borrowing repaid over steady fixed instalments

9.2/10See alternatives

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