Zensum review

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

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Our verdict

Zensum is a Swedish loan broker in the middle of the market, with an APR of 11.46% on borrowing capped at NOK 150,000. It suits borrowers who want the origination fee kept at 0 NOK, a quick answer, and who can accept a hard credit check.

Key facts

Best for
Borrowers who want a fee free loan and a quick answer, and who can handle a hard credit check.
APR
11.46% (Source, checked September 26, 2026)
Loan amount
NOK 150,000 (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
Answer often within a few hours, in some cases up to a couple of days (Source, checked September 26, 2026)
Representative example
Annuitetslån 150 000 kr, 5 years, nominal rate 10.90%, establishment/term fee 0 kr, effective rate 11.46%, total cost 195 240 kr, 3 254 kr per month (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Secured, Car (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Zensum AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
zensum.se

Mortgages

Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
SEK 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Zensum AB (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
TrustpilotTrustpilot

Pros and cons

Pros

  • Origination fee of 0 NOK on personal loans
  • Product fee of SEK 0 on the mortgage range
  • Applications are often answered quickly, though some take a little longer
  • Loan types run to personal, debt consolidation and secured

Cons

  • The rate is variable, so payments can move with the market
  • The credit check is hard, which can leave a mark on your file
  • Maximum loan to value is 90%, so a larger deposit is needed
Zensum

Ready to try Zensum?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers comparing personal loans who want the fee side of the deal kept at 0 NOK and a fast answer
  • Anyone after a quick decision rather than a slow branch process
  • People consolidating several debts into a single payment

Who should look elsewhere

  • Borrowers who need a fixed rate should shortlist Monzo Flex, since the rate here is variable
  • Anyone unwilling to run a hard credit check should start with Cashspace instead
  • Buyers wanting a loan to value above 90% have a narrow field, Cashspace and Cashspace ES included

Where it sits among rivals

On loan amount Zensum ranks 99 of 685 brands, and on APR it sits at 170 of 350. Read together, that makes it a mid range name: nothing exceptional on either how much you can borrow or what you pay for it, and placed lower on amount than on rate.

Who runs it

Zensum AB is based in Sweden and was founded in 2013. It is registered for payment services in Sweden as PSD_PI SE_FINA!44004 with Finansinspektionen, and in Norway it sits under Finanstilsynet. Support runs on phone, email and help centre, so questions go to a customer service team rather than to the lender.

How Zensum compares

Where Zensum is available

Available
Norway, Sweden
Licence in Sweden
Finansinspektionen, checked September 26, 2026
Licence in Norway
Finanstilsynet, checked September 26, 2026
Licence in Sweden
SE_FINA (PSD_PI SE_FINA!44004), checked September 26, 2026, also valid in Sweden

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

Frequently asked questions

What does a Zensum personal loan cost?+

The APR is 11.46% on borrowing capped at NOK 150,000, and the origination fee on a personal loan is 0 NOK. Interest on the balance is the main cost, since no separate establishment or term charge sits on top of it.

What fees does Zensum charge?+

On personal loans the origination fee is 0 NOK and the percentage fee is 0%. On the mortgage range the product fee is SEK 0, so the number a borrower really works from is the rate.

Is Zensum regulated?+

Zensum AB is registered for payment services in Sweden as PSD_PI SE_FINA!44004 with Finansinspektionen, and in Norway it is supervised by Finanstilsynet. As a broker it compares lenders rather than lending its own money.

What credit check does Zensum run?+

The credit check is hard, a firm check rather than a soft search, and the stated credit need is poor. That points to applications from borrowers with a thin or damaged credit history, so a declined application is a real possibility.

How long does a Zensum decision take?+

Funding time is among its stronger points: applications are often answered quickly, and some take a little longer. Support runs on phone, email and help centre, so a slow answer can be chased while the application sits with the lender.

What types of loan does Zensum arrange?+

The loan types cover personal, debt consolidation and secured, and each can run through the same application. For property the stated purposes are purchase and remortgage, so buying and remortgaging both sit inside the range.

Can I get a mortgage through Zensum?+

For property purchases and remortgages the maximum loan to value is 90%, and the product fee on that range is SEK 0. That leaves the rate as the thing to compare, and the purposes are limited to purchase and remortgage.

Sources

  • euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

    Backs: Legal entity, Headquarters, Licences

    “EntityCode=SE_FINA!44004; EntityType=PSD_PI; ENT_NAM=Zensum AB”

  • zensum.no checked September 26, 2026

    Backs: Founded, Loan types, Loan amount, Rate type, Representative example, Term, Arrangement fee, APR

    “Formidlet lån siden 2013”

  • zensum.se checked September 26, 2026

    Backs: Credit needed, Funding time, Lender type, Origination fee (%), Purpose, Credit check

    “Bolån trots betalningsanmärkning - Ansök trots betalningsanmärkning”

  • zensum.se/bolan checked September 26, 2026

    Backs: Maximum loan to value, Product fee

  • zensum.se/om-oss/kundservice checked September 26, 2026

    Backs: Support channels

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Zensum

Zensum

Borrowers who want a fee free loan and a quick answer, and who can handle a hard credit check.

8.9/10See alternatives

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