Zmarta Norge review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

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.

Key facts

Best for
A large loan in Norway with nothing to pay at the start.
APR
15.52% (Source, checked September 26, 2026)
Loan amount
NOK 5,000 to NOK 800,000 (Source, checked September 26, 2026)
Term
12 to 60 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
Money in account within 1-5 business days after signing (Source, checked September 26, 2026)
Representative example
Nom. rate 12.9 %, effective rate 15.52 %, 75 000 NOK over 5 years, cost 30 509 NOK, total 105 509 NOK (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Age 20+, annual income over 120 000 NOK, taxed in Norway for more than 3 years, no payment remarks (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Zmarta AS (Source, checked September 26, 2026)
Headquarters
Norway (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
zmarta.no

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.com

Pros and cons

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.
  • An established name, since the company dates back to 1999.

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.
Zmarta Norge

Ready to try Zmarta Norge?

Scored 8.8 / 10 by BorrowCue.

See alternatives

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.

Where it sits among rivals

Zmarta Norge sits at 416 of 685 brands on the size of loan on offer, and 223 of 350 on APR. Both places sit deep in their fields, so the size of the borrowing ceiling is what stands out rather than the rate. Readers chasing a smaller, cheaper loan will find more elsewhere.

Safety and regulation

Zmarta Norge is a broker, not the lender: broker. The money comes from a partner bank instead. The representative example shows a nominal rate with an effective rate above it, and a total repaid well above the amount borrowed. The licence on record names Finansinspektionen in Sweden.

How Zmarta Norge compares

Where Zmarta Norge is available

Available
Norway, Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026

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

Frequently asked questions

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.

Does Zmarta Norge lend the money itself?+

No. Zmarta Norge is a broker, broker, so the loan is arranged with a partner bank and Zmarta acts as the intermediary on the application. The rate you are offered can therefore depend on which bank the application reaches, which is worth thinking about before you send everything.

What credit check and credit level are needed?+

Applications use a hard credit search, hard, and a search that is refused is recorded on your file. The credit level asked for is good. Applicants also need to be adults, meet an income threshold, have been taxed in Norway for a number of years and keep a clean payment record.

How quickly does the money arrive?+

Same-day funding is listed as a feature: same day funding. The stated timing is Money in account within 1-5 business days after signing, so signing is what sets the clock running rather than the day you apply. Plan the first repayment around that window and keep documents ready, since anything missing can push the date back.

Who can apply for a Zmarta Norge loan?+

Eligibility covers adults with an annual income above a set threshold, a number of years taxed in Norway and a clean payment record. The legal entity behind the loans is Zmarta AS, based in Norway, and the company has been trading since 1999, so it is a long-standing operation rather than a new name.

Which market does Zmarta Norge serve?+

It is a Norwegian operation, headquartered in no, and eligibility is tied to being taxed in Norway, so this is a single-market offer rather than something aimed at borrowers elsewhere. The licence on record names Finansinspektionen in Sweden, which is worth checking against the terms you sign up to.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Zmarta Norge

Zmarta Norge

A large loan in Norway with nothing to pay at the start.

8.8/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings