You can apply for a loan both online and by phone. The easiest way is to send your application online. If the loan is approved, you can upload documents and sign the agreement using BankID code generator or mobile app. You will receive an email and a text message from us as soon as we receive bank offers.
We offer loan amounts from 5 000 to 800 000 kr. Your credit rating is assessed individually during the application process. If you apply with a co-applicant, it will often increase your chances of getting a preferred loan amount or receiving better financing terms.
In order to apply for a consumer loan with us, the following conditions must be met:
Customers usually receive a reply to their loan application within one day. If you apply in the afternoon or evening, you will receive a reply the next morning. If you submit a request during the weekend, you will receive a response on the first working day after the weekend.
Most banks send a loan agreement by email and request a signature using BankID. Funds are usually credited to your account within 1-3 business days.
Yes, you can repay all or part of the loan at any time, whenever you want. Repayment of the entire loan does not involve additional costs.
The bank calculates the interest rate based on, among others, the value of the property. That is why each application is different. There may also be grounds for lowering the interest rate if you apply with a co-applicant. This is possible because together you will pose a lower risk to the bank, as the responsibility for the loan repayment will fall on 2 people.
Spesiallån interest rate varies between 3,99% - 6,4%.
We offer a maximum repayment period of 15 years.
There can be many reasons why banks refused to grant you a loan.
This usually means that one or more of the following conditions were not met:
If it turns out that you have inkasso, fortunately you can still remove this debt. If you own property in Norway, you can contact us in order to apply for a spesiallån.
Credit assessment or rating is something that banks and financial institutions carry out before sending a loan offer. Credit rating is often measured on the scale of 0 to 100.
100 000 NOK for 5 years
Effective interest rate: 14,15%
Cost: 37 120 NOK
Total cost of the loan: 137 120 NOK
Lowest nominal interest rate 6,86%
Highest interest rate 26,9%
You can compare our prices with the prices of other companies on
Motty Telefinans has been dealing with loan brokerage and refinancing services for individual clients since 1985. Our company is one of the largest Norwegian consumer loan brokers with a simple application, fast and reliable service and a secure payment procedure.