Lendo.dk review

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

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Our verdict

Lendo.dk suits Danish borrowers who want a bank to compete for their business rather than pick one lender. It is a marketplace, so offers come from several banks, with rates running 0% to 24.24% and no origination fee on personal loans. Variable pricing is the trade-off.

Key facts

Best for
Danish borrowers shopping several banks with one application and no origination fee.
APR
0% to 24.24% (Source, checked September 26, 2026)
Loan amount
DKK 10,000 to DKK 400,000 (Source, checked September 26, 2026)
Term
12 to 144 months (Source, checked September 26, 2026)
Arrangement fee
0 DKK (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Normally 1-2 business days after the bank approves; first offers within minutes, all offers within 24 hours (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18+; annual income at least 60,000 DKK; permanent residence in Denmark (not Greenland/Faroe Islands); Danish bank account; MitID or NemID; not registered in RKI/Debitor Register (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Lendo A/S (CVR 39572877) (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
lendo.dk

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.comyoutube.com

Pros and cons

Pros

  • Marketplace of banks, so one application brings competing offers rather than a single lender's price
  • Origination fee of 0 DKK on personal loans, so nothing to pay for arranging the loan
  • Free early repayment, so clearing the balance early costs nothing
  • Borrowing of DKK 10,000 to DKK 400,000 over 12 to 144 suits both smaller fixes and larger projects

Cons

  • Rates are variable, so the cost can move after you take the loan
  • Eligibility needs adults, a minimum income, permanent residence in Denmark, a Danish bank account and MitID or NemID, and blocks anyone in the RKI debtor register
  • Hard credit check, so an application leaves a full search on the record
Lendo.dk

Ready to try Lendo.dk?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Adults in Denmark with a Danish bank account and MitID or NemID who want to compare bank offers side by side
  • Borrowers consolidating debt or financing a car or a home improvement, since personal, debt consolidation, car and business lending are all offered
  • Anyone planning to clear a loan early, since early repayment is free

Who should look elsewhere

  • People living in Greenland or the Faroe Islands, who are not eligible for permanent residence in Denmark
  • Borrowers listed in the RKI debtor register, who cannot apply
  • Lenders who want a fixed rate, since pricing here is variable

Safety and regulation

Lendo.dk is a marketplace rather than a single lender, so the application collects details once and banks on the panel compete for the business. It sits under Finanstilsynet, the Danish Financial Supervisory Authority. The company behind the service is Lendo A/S (CVR 39572877), based in Denmark. Eligibility rules are strict, and the hard credit check means the search is visible to other lenders.

Who runs it

The service is run by Lendo A/S (CVR 39572877), a company founded in 2007 and headquartered in Denmark. It works as a marketplace, sending a request to banks and returning their offers, so the lender you end up with can differ from the site you applied on. Support runs on email, phone and help centre, so questions about an offer can go to a person as well as a help centre.

How Lendo.dk compares

Where Lendo.dk is available

Available
Denmark
Licence in Denmark
Finanstilsynet (Danish Financial Supervisory Authority), checked September 26, 2026

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

Frequently asked questions

What does Lendo.dk actually do with my application?+

Lendo.dk is a marketplace, so one application is sent to several banks and their offers come back for comparison. The lender you end up with is the bank that wins the business, not Lendo.dk itself. Its legal entity is Lendo A/S (CVR 39572877).

What does it cost to borrow through Lendo.dk?+

On personal loans the origination fee is 0 DKK, so arranging the loan adds nothing to the bill. Rates on the loans run 0% to 24.24% and the rate type is variable, so what you repay can change. Early repayment is free.

Am I eligible to borrow from Lendo.dk?+

You need to be an adult with a minimum annual income, permanent residence in Denmark outside Greenland and the Faroe Islands, a Danish bank account, and MitID or NemID for signing. You also cannot be registered in the RKI debtor register, so existing debt markers rule you out.

Does applying affect my credit file?+

The credit check here is hard, which means a full search is recorded and lenders can see it. That is the cost of using a marketplace that sends your details to banks at once. There is no softer route through this service.

How long does it take to get the money?+

Funding normally takes a waiting period of one to two business days once a bank approves the loan. The first offers often arrive within minutes, and all offers are normally back within a day, so the wait is usually on the bank's side rather than the comparison.

Which loans can I compare here?+

The service covers personal, debt consolidation, car and business loans, so a consolidation or a vehicle can be priced in the same place as an ordinary personal loan. Home improvement is a listed use for the money. Borrowing runs from DKK 10,000 to DKK 400,000 over terms of 12 to 144.

Can I pay the loan off early?+

Early repayment is free, so clearing the balance before the end of the term costs nothing extra. That makes it easier to reduce a consolidation loan sooner than planned. Just remember the rate is variable.

Who regulates Lendo.dk?+

The service is regulated in Denmark by Finanstilsynet, the Danish Financial Supervisory Authority. It is not a bank itself but a marketplace that routes applications to regulated lenders. The company is based in Denmark and was founded in 2007.

Sources

  • lendo.dk checked September 26, 2026

    Backs: Eligibility, Free early repayment, Funding time, Headquarters, Legal entity, Loan types, Arrangement fee, Licences

    “Lendo A/S Vestergade 18E, 1456 København”

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

    Backs: Credit check, Rate type

  • lendo.dk/laan-penge/laan-25000 checked September 26, 2026

    Backs: Use cases

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

    Backs: Loan amount, APR, Term

    “Lån mellem 10.000-400.000 kroner (privatlån)”

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

    Backs: Founded, Lender type

    “Lendo blev grundlagt i Sverige i 2007”

  • lendo.dk/om-lendo/kontakt checked September 26, 2026

    Backs: Support channels

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Lendo.dk

Lendo.dk

Danish borrowers shopping several banks with one application and no origination fee.

9.1/10See alternatives

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