re:member NO review

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

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Our verdict

re:member NO is a direct Norwegian lender for personal and debt consolidation loans, with a fixed rate and a top loan amount of NOK 10,000 to NOK 350,000. It suits borrowers with a stable income who want to repay early free of charge, though the hard credit check narrows who gets accepted.

Key facts

Best for
Norwegian personal and debt consolidation borrowing with free early repayment.
APR
8.95% to 20.7% (Source, checked September 26, 2026)
Loan amount
NOK 10,000 to NOK 350,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
Etableringsgebyr 990-1590 kr (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
3-4 business days (Source, checked September 26, 2026)
Representative example
240 000 kr o/ 5 år nom. rente 11,3 % / Eff. 12,60%. Kostnad 79 775 kr. Totalt 319 775 kr. (APR 12.60%) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 18+, stable income, no registered payment remarks; Norwegian account number (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Entercard Norge, filial av Entercard Group AB (organisasjonsnummer 919 061 545) (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
remember.no

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • Loan amounts of NOK 10,000 to NOK 350,000 cover a consolidation bill or a full renovation.
  • Free early repayment means clearing the balance adds no extra charge.
  • Questions are answered through phone and help centre once you are a customer.

Cons

  • The check is hard, so a light file history can end an application early.
  • Funding takes 3-4 business days, which does not suit an urgent need.
  • An arrangement fee of Etableringsgebyr 990-1590 kr is charged on top of the interest.
re:member NO

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Who it suits

  • Borrowers in the Norwegian market with a stable income and a Norwegian account number.
  • Anyone planning a home improvement project within the NOK 10,000 to NOK 350,000 range.
  • People who expect to pay a loan off early, since that costs nothing extra.

Who should look elsewhere

  • Borrowers who need money the same day, since funding takes 3-4 business days. Cashspace is the alternative to check first.
  • Anyone shopping outside Norway, where the market is priced differently: Monzo Flex lists APR of 10% to 23%.

Safety and regulation

re:member NO is listed as a direct lender, so the lender itself carries the loan rather than passing it to someone else. Its published representative example shows a nominal rate below the effective rate, with the arrangement fee folded into the total repayable, which is the clearest guide to the real cost.

Who runs it

The lending entity is Entercard Norge, a branch of Entercard Group AB, and the operation is based in no. It has been lending since 1999, which puts it well ahead of newer entrants. Customer service runs on phone and help centre for questions before and after a loan starts.

How re:member NO compares

Where re:member NO is available

Available
Norway

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

Frequently asked questions

What will a loan from re:member NO cost me?+

Interest runs at 8.95% to 20.7% and a one-off arrangement fee of Etableringsgebyr 990-1590 kr is added when the loan starts. The published representative example shows the nominal rate sitting below the effective rate, so the fee lifts what you actually repay over the term.

How much can I borrow?+

Loan amounts run NOK 10,000 to NOK 350,000 on a single market, which suits both a consolidation bill and a larger renovation. Applications ask for a Norwegian account number, so the loan is arranged and repaid in Norwegian kroner throughout.

How long can I take to repay, and is the rate fixed?+

Terms run 12 to 60 and the rate type is fixed, so a fixed rate loan keeps the rate steady across the whole term. A longer term spreads the payment but extends the interest, so the term choice drives the final cost more than the headline rate.

What credit history do I need?+

The check is hard, which means the application is assessed on your full record. Eligibility asks for a minimum age, a stable income, no registered payment remarks and a Norwegian account number, so an active default tends to stop things at the first screen.

How quickly will the money arrive?+

Funding takes 3-4 business days once a decision is made, so this is not a same-day product. Plan the project around that gap rather than the approval date, and keep the arrangement fee of Etableringsgebyr 990-1590 kr in mind if the payout slips past the target.

Can I repay the loan early?+

Yes. Early repayment is free, so a 12 to 60 term can end sooner without a charge, and the fixed rate rate keeps the interest predictable on whatever balance remains. Settling early is the main way to cut the total on this product.

What can I use the money for?+

The listed use is home improvement, and the loan types are personal and debt consolidation. In practice that covers a renovation, a replacement or a consolidation of existing debt into a single fixed loan. Anything outside that list sits outside the stated product range.

How do I get help once I have an account?+

Support runs on phone and help centre, so a phone line and a help centre cover the questions that come up before and after signing. The lending entity is Entercard Norge, a branch of Entercard Group AB, and the operation is based in no.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

re:member NO

re:member NO

Norwegian personal and debt consolidation borrowing with free early repayment.

9.1/10See alternatives

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