Lendo.no review

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

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Our verdict

Lendo is a Norwegian loan marketplace that suits borrowers who would rather see offers from several banks than apply to a single lender. Personal loans run NOK 10,000 to NOK 600,000 at effective rates of 9.45% to 17.77%, with the origination fee at 0 NOK and free early repayment.

Key facts

Best for
Comparing Norwegian bank offers through a single application for a personal loan, consolidation or home improvement.
APR
9.45% to 17.77% (Source, checked September 26, 2026)
Loan amount
NOK 10,000 to NOK 600,000 (Source, checked September 26, 2026)
Term
12 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0 NOK (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 business days (Source, checked September 26, 2026)
Representative example
140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Car, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Lendo AS (org. nr. 997 523 814) (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
lendo.no

Mortgages

Initial rate
4.89% to 5.84% (Source, checked September 26, 2026)
APRC
5.37% (Source, checked September 26, 2026)
Fixed period
25 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
NOK 0 (Source, checked September 26, 2026)
Purpose
Remortgage (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
Lendo AS (org. nr. 997 523 814) (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.com

Pros and cons

Pros

  • As a marketplace it places bank offers behind a single application, spanning personal, debt consolidation, credit line, car and secured loans (personal, debt consolidation and credit line).
  • Fees of 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment costs nothing extra.
  • Remortgage offers carry an initial rate of 4.89% to 5.84%, an APRC of 5.37% and borrowing up to 90% of property value.
  • Help runs on phone, email and chat, and the company has been running since 2012.

Cons

  • Applicants must clear registered payment remarks and collection cases, plus a minimum income, an own email address and a Norwegian phone number.
  • Credit checks are hard (hard), so a full search runs rather than a soft prequalification.
  • Payout waits on the bank for an answer and a documentation check, so plan for a waiting period.
Lendo.no

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Norwegian borrowers with a registered income and a clean payment record who want bank offers side by side.
  • People consolidating debts or paying for home improvement, which is a listed use (home improvement).
  • Homeowners remortgaging, where offers start at an initial rate of 4.89% to 5.84%.

Who should look elsewhere

  • Readers who want a single lender rather than a bank marketplace: Monzo Flex quotes 10% to 23%.
  • Borrowers settled on a higher rate profile: Cashspace lists PHP 12 to PHP 36.

How your money is protected

Lendo matches borrowers with banks as a marketplace, so the contract and the terms sit with the lending bank rather than with Lendo. The published representative example is the guide to the real cost: an unsecured loan at the stated effective rate leaves the total repayable well above the amount borrowed. Its licence sits with Finanstilsynet in Norway.

How Lendo.no compares

Where Lendo.no is available

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

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

Frequently asked questions

What fees does Lendo charge?+

The arrangement fees sit at 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment is free. The interest rate comes from the bank that answers your application, with personal loan rates running 9.45% to 17.77%.

Who regulates Lendo?+

Lendo acts as a marketplace, so it introduces you to banks and the lending contract is with the bank, not with Lendo. Its Norwegian licence sits with Finanstilsynet, and consumer loan rates run 9.45% to 17.77%. The published representative example shows what borrowing costs once interest is added to the amount taken.

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

Personal loans run NOK 10,000 to NOK 600,000 and terms last 12 to 180, so the monthly instalment depends on how much you take and how long you stretch it. Borrowing more, or for longer, lowers the instalment and raises the total cost.

Who qualifies to apply?+

Applicants need a minimum gross income, an own email address and a Norwegian phone number, and registered payment remarks or collection cases rule an application out. Non-Norwegian citizens need a Norwegian national identity number and a few years of residence in Norway.

How quickly does the money arrive?+

Payout follows approval, and the bank's pace sets the timing, with the answer and the documentation check both adding time. Plan for a waiting period rather than the same evening you apply, and support runs on phone, email and chat if you want progress updates.

What can I borrow for?+

The marketplace covers personal loans, debt consolidation, a credit line, car finance and secured loans (personal, debt consolidation and credit line), with home improvement listed as a use (home improvement). The remortgage side runs separately for existing homeowners, at an initial rate of 4.89% to 5.84%.

Will applying damage my credit file?+

Credit checks are hard (hard), so a full search is run rather than a soft prequalification and the application counts on your record. Apply when you are ready to take an offer, since several banks can be asked through a single application.

How does the remortgage offer work?+

Homeowners switch lender through Lendo, with an initial rate of 4.89% to 5.84%, an APRC of 5.37%, a product fee of NOK 0 and borrowing capped at 90% of property value. The fixed period runs to 25.

Sources

  • lendo.no checked September 26, 2026

    Backs: Features, Free early repayment, Funding time, Headquarters, Lender type, Loan types, Support channels

    “Hagegata 22, 0653 OSLO”

  • lendo.no/boliglan checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Eksempel belåningsgrad 75 %: Lån 4 000 000 kr. Nedbetalt over 25 år. Nominell rente 5,2 %. Effektiv rente 5,37 %.”

  • lendo.no/forbrukslan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Arrangement fee, Representative example, Term, Use cases

    “Vår tjeneste er kostnadsfri”

  • lendo.no/forbrukslan/forbrukslan-pa-dagen checked September 26, 2026

    Backs: Credit check

  • lendo.no/om-lendo/vilkar checked September 26, 2026

    Backs: Legal entity, Licences

    “Tjenesten leveres av Lendo AS, (org.nr. 997 523 814)”

  • no.linkedin.com/company/lendo-as checked September 26, 2026

    Backs: Founded

    “I 2012 ble Lendo AS startet i Norge ... Grunnlagt 2012”

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

Lendo.no

Lendo.no

Comparing Norwegian bank offers through a single application for a personal loan, consolidation or home improvement.

8.9/10See alternatives

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