Updated September 28, 2026 · BorrowCue Editorial Team
Lendo.no vs Zmarta Norge
Where Lendo.no and Zmarta Norge differ
| Compare |  Lendo.no |  Zmarta Norge |
|---|---|---|
| APR | 9.45% to 17.77%Lower | 15.52% |
| Loan amount | NOK 10,000 to NOK 600,000 | NOK 5,000 to NOK 800,000Higher |
| Term | 12 to 180 monthsHigher | 12 to 60 months |
| 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 | Money in account within 1-5 business days after signing |
| Representative example | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK | Nom. rate 12.9 %, effective rate 15.52 %, 75 000 NOK over 5 years, cost 30 509 NOK, total 105 509 NOK |
| 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 | Age 20+, annual income over 120 000 NOK, taxed in Norway for more than 3 years, no payment remarks |
| Loan types | Personal, Debt consolidation, Credit line, Car, SecuredCovers more | Personal, Debt consolidation, Car |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Good |
Same on both: Arrangement fee (0 NOK), Credit check (Hard), Use cases (Home improvement).
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Key differences
- Lendo.no scores higher overall: 8.9 vs 8.8.
- Founded is lower at Zmarta Norge: 1999 vs 2012.
- Zmarta Norge is available in 1 more country.
- APR is lower at Lendo.no: 9.45% to 17.77% vs 15.52%.
- Loan amount is higher at Zmarta Norge: NOK 5,000 to NOK 800,000 vs NOK 10,000 to NOK 600,000.
- Term is higher at Lendo.no: 12 to 180 months vs 12 to 60 months.
- Features: only Lendo.no offers Credit line.
- Features: only Zmarta Norge offers Same day funding.
- Loan types: only Lendo.no offers Credit line, Secured.
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.
Zmarta Norge
Zmarta Norge suits Norwegian adults with a good credit record who want a big loan, offering borrowing of NOK 5,000 to NOK 800,000 across personal, debt-consolidation and car lending. The trade-off is the rate, and 15.52% is the number to weigh before you apply.
Score breakdown
| Area | Lendo.no | Zmarta Norge |
|---|---|---|
| Cost | 9.1Higher | 8.6APR ranks 223 of 350, so a 0 NOK fee does not make the total cheap. |
| Offer | 9.4HigherMarketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. | 9.3 |
| Trust | 8.4 | 8.7Higher |
Positions in our rankings
| Ranking | Lendo.no | Zmarta Norge |
|---|---|---|
| Personal loans | 810 of 1920 | 953 of 1920 |
| Debt consolidation loans | 280 of 425 | 332 of 425 |
| Car loans | 255 of 432 | 306 of 432 |
| Home improvement loans | 365 of 562 | 434 of 562 |
Pick Lendo.no if, pick Zmarta Norge if
Pick Lendo.no if cost, apr, term, and loan types matter most.
Pick Zmarta Norge if trust and loan amount matter most.
From lowest to highest
| Fact | Lendo.no | Zmarta Norge |
|---|---|---|
| Loan amount | NOK 10,000 to NOK 600,000 | NOK 5,000 to NOK 800,000 |
| Term | 12 to 180 months | 12 to 60 months |
Sources behind this comparison
Lendo.no
- lendo.no: 16 facts, checked September 26, 2026
- no.linkedin.com: 1 fact, checked September 26, 2026
Zmarta Norge
- zmarta.no: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Lendo.no | Zmarta Norge |
|---|---|---|
| Features | Credit line | Same day funding |
| Legal entity | Lendo AS (org. nr. 997 523 814) | Zmarta AS |
| Headquarters | Norway | Norway |
| Founded | 2012 | 1999Lower |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Chat, Help centre |
Mortgages
| Fact | Lendo.no | Zmarta Norge |
|---|---|---|
| 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 | Zmarta Norge | Median |
|---|---|---|---|
| APR | 9.45% to 17.77%above the median | 15.52%above the median | 8.99 |
| Loan amount | NOK 10,000 to NOK 600,000above the median | NOK 5,000 to NOK 800,000highest quarter | NOK 500,000 |
| Term | 12 to 180 monthshighest quarter | 12 to 60 monthsat the median | 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.
Zmarta Norge
Pros
- The arrangement fee is 0 NOK, so nothing is charged to set the loan up.
- Loans run NOK 5,000 to NOK 800,000, enough for home improvement, and the lending covers personal, debt consolidation and car.
- Speed is a selling point: same day funding, with money reaching your account Money in account within 1-5 business days after signing.
Cons
- The rate of 15.52% is the sticking point, and it sits above plenty of rivals on the list.
- Applications run a hard credit search, hard, so a rejection is recorded on your file.
- Eligibility is narrow: adults, an income above a set threshold and a number of years taxed in Norway, and any registered payment remark counts against the application.
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.
Zmarta Norge
Who it suits
- Norwegian adults with good credit who need a large sum for home improvement.
- People comfortable applying through a broker rather than going straight to a bank.
- Borrowers who want to talk to someone, with email, phone and chat on offer.
Who should look elsewhere
- Anyone chasing the lowest rate should check Monzo Flex, whose APR runs 10% to 23%.
- Readers comparing wider rate spreads can look at Cashspace, listed at PHP 12 to PHP 36.
Country by country
| Country | Lendo.no | Zmarta Norge |
|---|---|---|
| Sweden | No | Yes |
| Norway | Yes | 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.
Zmarta Norge
What can I use a Zmarta Norge loan for?+
Personal loans, debt consolidation and car finance are all covered, as personal, debt consolidation and car shows. Borrowing runs NOK 5,000 to NOK 800,000, and home improvement is the named use: home improvement. Repayment terms run 12 to 60, so a larger balance can be spread over a longer window instead of one short term.
What does a Zmarta Norge loan cost?+
The arrangement fee is 0 NOK, and the rate is 15.52%. The representative example pairs a nominal rate with an effective rate above it, and shows a total repaid noticeably higher than the amount borrowed. Costs build up the longer a balance is carried, so the term you pick changes the overall price.