Nordic · NOKLoans in Norway: compare current bank rates
8
institutions
12
products
6.90%
personal from
3.80%
mortgage from
Norway’s lending market is led by DNB alongside savings-bank alliances and digital challengers. Outside the EU and the eurozone, Norwegian rates follow Norges Bank’s policy rate, and most mortgages are floating-rate — fixed periods are less common than elsewhere in Europe.
Regulation caps total borrowing relative to income and requires stress-testing against rate rises. Consumer loans are registered centrally, so lenders see your existing unsecured debt.
Current offers in Norway
DNB
BankNOBoliglån
🏠 Mortgage3.80%
APR from
up to 6.20%
Loan Range
kr.200K – kr.15.0M
Term
5 yrs – 25 yrs
Representative Example
kr.10K over 5 yrs = €183/mo · Total: €10,996
at 3.80% APR
Storebrand
InsuranceNOGreen Mortgage
🏠 Mortgage3.90%
APR from
up to 6.10%
Loan Range
kr.200K – kr.12.0M
Term
5 yrs – 25 yrs
Representative Example
kr.10K over 5 yrs = €184/mo · Total: €11,023
at 3.90% APR
SpareBank 1
CooperativeNOBoliglån
🏠 Mortgage4.00%
APR from
up to 6.50%
Loan Range
kr.100K – kr.10.0M
Term
5 yrs – 30 yrs
Representative Example
kr.10K over 5 yrs = €184/mo · Total: €11,050
at 4.00% APR
DNB
BankNOBusiness Finance
🏢 Business Loan5.50%
APR from
up to 12.00%
Loan Range
kr.200K – kr.50.0M
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €191/mo · Total: €11,461
at 5.50% APR
SpareBank 1
CooperativeNOBedriftslån
🏢 Business Loan5.90%
APR from
up to 12.50%
Loan Range
kr.100K – kr.20.0M
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €193/mo · Total: €11,572
at 5.90% APR
Gjensidige
InsuranceNOCar Financing
🚗 Auto Loan5.99%
APR from
up to 13.99%
Loan Range
kr.50K – kr.1.0M
Term
1 yr – 7 yrs
Representative Example
kr.10K over 5 yrs = €193/mo · Total: €11,597
at 5.99% APR
DNB
BankNOConsumer Loan
👤 Personal Loan6.90%
APR from
up to 18.90%
Loan Range
kr.10K – kr.600K
Term
1 yr – 10 yrs
Representative Example
kr.10K over 5 yrs = €198/mo · Total: €11,852
at 6.90% APR
Bank Norwegian
BankNOConsumer Loan
👤 Personal Loan6.90%
APR from
up to 21.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 5 yrs
Representative Example
kr.10K over 5 yrs = €198/mo · Total: €11,852
at 6.90% APR
Komplett Bank
BankNOForbrukslån
👤 Personal Loan7.90%
APR from
up to 22.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 5 yrs
Representative Example
kr.10K over 5 yrs = €202/mo · Total: €12,137
at 7.90% APR
SpareBank 1
CooperativeNOForbrukslån
👤 Personal Loan7.99%
APR from
up to 21.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 8 yrs
Representative Example
kr.10K over 5 yrs = €203/mo · Total: €12,163
at 7.99% APR
Storebrand
InsuranceNOPersonal Loan
👤 Personal Loan8.50%
APR from
up to 20.90%
Loan Range
kr.20K – kr.400K
Term
1 yr – 7 yrs
Representative Example
kr.10K over 5 yrs = €205/mo · Total: €12,310
at 8.50% APR
Gjensidige
InsuranceNOForbrukslån
👤 Personal Loan9.50%
APR from
up to 23.50%
Loan Range
kr.20K – kr.400K
Term
1 yr – 7 yrs
Representative Example
kr.10K over 5 yrs = €210/mo · Total: €12,601
at 9.50% APR
Borrowing in Norway — FAQ
What drives Norwegian loan rates?+
Norges Bank’s policy rate. Most Norwegian mortgages are floating-rate, so payment changes follow policy-rate moves relatively quickly — EURIBOR is not used since Norway keeps the krone.
How much can I borrow in Norway?+
Regulation limits total debt to a multiple of gross annual income and requires banks to stress-test affordability against a rate increase. Unsecured debt is centrally registered and counts against your capacity.
Can foreigners get a mortgage in Norway?+
With Norwegian residency, a national ID number and local income, yes — terms are broadly similar to locals. Without residency it is rare and typically limited to special cases.
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