Updated September 28, 2026 · BorrowCue Editorial Team
Lendo.no vs Sambla
Lendo.no vs Sambla: the differences
| Compare |  Lendo.no |  Sambla |
|---|---|---|
| APR | 9.45% to 17.77% | 7.92% to 13.24%Lower |
| Loan amount | NOK 10,000 to NOK 600,000 | SEK 5,000 to SEK 800,000 |
| Arrangement fee | 0 NOK | 0 SEK - free to apply and compare, lender pays Sambla |
| 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 | Usually 1-3 days from signing to payout |
| Representative example | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| Lender type | Marketplace | Broker |
| 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 | 18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Loan types | Personal, Debt consolidation, Credit line, Car, SecuredCovers more | Personal, Debt consolidation, Car, Secured |
| Term | 12 to 180 months | Not confirmed |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Founded is lower at Lendo.no: 2012 vs 2014.
- APR is lower at Sambla: 7.92% to 13.24% vs 9.45% to 17.77%.
- Loan types: only Lendo.no offers Credit line.
Our verdict on each
Lendo.no
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.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | Lendo.no | Sambla |
|---|---|---|
| Cost | 9.1 | 9.1 |
| Offer | 9.4Marketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. | 9.4The offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 8.4 | 8.4 |
Feature by feature
| Loan types | Lendo.no | Sambla |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Use cases | Lendo.no | Sambla |
|---|---|---|
| Home improvement | Yes | Yes |
Where they rank in our lists
| Ranking | Lendo.no | Sambla |
|---|---|---|
| Personal loans | 810 of 1920 | 844 of 1920 |
| Debt consolidation loans | 280 of 425 | 291 of 425 |
| Secured loans | 247 of 473 | 256 of 473 |
| Car loans | 255 of 432 | 268 of 432 |
| Home improvement loans | 365 of 562 | 381 of 562 |
What we checked
Lendo.no
- lendo.no: 16 facts, checked September 26, 2026
- no.linkedin.com: 1 fact, checked September 26, 2026
Sambla
- sambla.se: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Lendo.no | Sambla |
|---|---|---|
| Features | Credit line | Not confirmed |
| Legal entity | Lendo AS (org. nr. 997 523 814) | Sambla Group AB |
| Headquarters | Norway | Sweden |
| Founded | 2012Lower | 2014 |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Help centre, Chat |
Mortgages
| Fact | Lendo.no | Sambla |
|---|---|---|
| Initial rate | 4.89% to 5.84% | Not confirmed |
| APRC | 5.37% | Not confirmed |
| Fixed period | 25 years | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
| Product fee | NOK 0 | Not confirmed |
| Purpose | Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendo.no | Sambla | Median |
|---|---|---|---|
| APR | 9.45% to 17.77%above the median | 7.92% to 13.24%below the median | 8.99 |
| Term | 12 to 180 monthshighest quarter | Not confirmed | 60 |
Median across 1152 listed lenders.
Pros and cons
Lendo.no
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.
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.
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
Who each suits
Lendo.no
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.
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
Country by country
| Country | Lendo.no | Sambla |
|---|---|---|
| Norway | Yes | No |
| Sweden | No | Yes |
Questions about each
Lendo.no
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.
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.