Lunar review

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

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Our verdict

Lunar is a Danish broker whose origination fee is 0 DKK, with loans of DKK 10,000 to DKK 500,000, which suits adults consolidating several debts or funding a car. The catch is that applications use a hard credit check, and access depends on living in Denmark with a MitID.

Key facts

Best for
Fee-free Danish borrowing of DKK 10,000 to DKK 500,000 for debt consolidation or a car.
Loan amount
DKK 10,000 to DKK 500,000 (Source, checked September 26, 2026)
Arrangement fee
0 DKK (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
At least 18 years old, annual income of at least 60,000 DKK, not registered in RKI, must live in Denmark, MitID required (Source, checked September 26, 2026)
Loan types
Debt-consolidation, Car (Source, checked September 26, 2026)
Legal entity
Lunar Bank A/S (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Official website
lunar.app

Apps and profiles

Get the app
App Store
Elsewhere
WikidataTrustpilotLinkedInXyoutube.com

Pros and cons

Pros

  • Origination fee of 0 DKK on both debt consolidation and car loans
  • Loans of DKK 10,000 to DKK 500,000 cover large consolidations and car purchases
  • Support runs on email, chat and phone
  • Hard credit checks sit with 69.1% of the market

Cons

  • Applications use a hard credit check, so a decline shows on the credit file
  • The origination fee is 0 DKK, while the interest rate is set by whichever lender answers, so total cost is clear only once an offer comes back
  • Lunar is a broker, so the lender and the rate depend on the offer returned to your application
Lunar

Ready to try Lunar?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Adults in Denmark clearing several debts into a single loan with no origination fee
  • Car buyers in Denmark who can pass a hard credit check
  • Anyone wanting phone, chat, email and help centre support through email, chat and phone

Who should look elsewhere

  • Borrowers who want a soft check, since the credit check is hard
  • Sole traders and businesses, as the loans listed are for personal needs
  • Anyone outside Denmark, as the offer is limited to people living there

Safety and regulation

Lunar works as a broker, matching applicants with lenders rather than lending the money itself. The firm sits under the Danish Financial Supervisory Authority, which supervises it in its home market. Because the money comes from a matched lender, the rate and terms on your offer depend on which lender answers your application, so check the lender named on the offer before you sign.

How Lunar compares

Where Lunar is available

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

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

Frequently asked questions

What does Lunar charge to arrange a loan?+

The origination fee is 0 DKK, which is the standout part of the offer. Borrowing for debt consolidation or a car carries the same fee. The interest rate itself is set per offer, so what you repay depends on the lender that answers your application.

How much can I borrow from Lunar?+

Loan amounts run DKK 10,000 to DKK 500,000, which covers both small consolidations and larger car purchases. That sits well above the typical amount across the site, at €876.96. The range is wide enough that the rate you get will matter more than the size.

Does Lunar run a hard or soft credit check?+

The credit check is hard, so an application can leave a mark on your credit file. Most providers in this category, 69.1%, use the same approach, so there is no softer route here. Applying once, thoughtfully, matters more than clicking around.

Is Lunar regulated in Denmark?+

Lunar is supervised in Denmark by the Danish Financial Supervisory Authority, the regulator for its home market, and the legal entity behind the brand is Lunar Bank A/S. As a broker, the offers you see come from matched lenders, so the contract names the lender as well as Lunar. Support on email, chat and phone handles questions about both sides.

Who can apply for a Lunar loan?+

Applicants must be adults living in Denmark who are not registered in RKI, meet an annual income requirement, and can sign in with MitID. Anyone below a minimum age is turned away, as is anyone on the RKI register. MitID must be in place before an application can be finished, and the check on it is hard.

What kinds of loan does Lunar offer?+

Lunar covers debt consolidation and car loans, and both run through the same application. For consolidation the typical amount across the market is €1,000, while for a car loan it is €1,058.76.

How do I reach Lunar if something goes wrong?+

Support runs on email, chat and phone, so email, chat, phone and a help centre are all available. Phone and the help centre are the more common channels across the site, at 85% and 79.8%. Any question about an offer can be raised before you accept it.

Does Lunar lend directly or act as a broker?+

Lunar is a broker, matching you with lenders rather than being the lender itself. That structure is common on the site, where 20.6% of listings are brokers. The rate and the lender therefore depend on the offer returned to your application.

Sources

  • lunar.app/en/personal checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Lunar Bank A/S, Hack Kampmanns Plads 10, DK-8000 Aarhus C, CVR no.: 39697696.”

  • lunar.app/en/personal/contact checked September 26, 2026

    Backs: Support channels

    “You can reach our support team on weekdays until 4 PM, or feel free to chat with us anytime.”

  • lunar.app/en/personal/Loans-for-your-needs checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Lender type, Loan types, Arrangement fee

    “You can apply for a consolidation loan ranging from 10,000 DKK to 500,000 DKK.”

  • lunar.app/en/personal/what-is-lunar checked September 26, 2026

    Backs: Founded, Licences

    “Lunar was founded in 2015 by a group of tech entrepreneurs who wanted to rethink banking, payments and investments.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Term, Funding time, Representative example.

Lunar

Lunar

Fee-free Danish borrowing of DKK 10,000 to DKK 500,000 for debt consolidation or a car.

8.9/10See alternatives

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