Consumer loan
A good option when unforeseen expenses arise.
Refinancing
Organise your finances – combine all your financial commitments into one.
Credit card
Shop securely online and abroad with confidence using your credit card.
Mortgage
If you own a home or holiday property, you can apply for a loan secured by the home. With a mortgage, you get a much lower interest rate and a longer repayment period than with a loan without collateral.
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Support
At Motty, you’ll always receive personalized support from our knowledgeable team. Our experienced advisors are dedicated to understanding your unique needs and providing tailored solutions that work best for you.
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Fee free
TF Bank Mastercard
Credit limit
150.000 kr
Effective interest rate
26.69 %
Apply now
Eff. Interest rate 26.69%. NOK 25,000/12 months, cost. 3.337. Total price: 28,337 kr.
100% fee-free
Morrow Mastercard
Credit limit
100.000 kr
Effective interest rate
28.77 %
Apply now
Eff. interest rate 28.77%, 12,000 o/12 months. Cost: NOK 1,726. Total price: 13,726 kr.
One of the lowest interest rates in the market
Instapay Mastercard
Credit limit
100.000 kr
Effective interest rate
20.47 %
Apply now
Nom. annuity 16.9%. Eff. Interest rate 20.47%, NOK 45,000, o/12 months. Cost: 4,704 kr. Total price: 49,704 kr.
No annual fee
Bank Norwegian
Credit limit
100.000 kr
Effective interest rate
20.47 %
Apply now
Eff. interest rate 24.4%, SEK 15,000, o/12 months. Cost: 1,849 kr. Total: 16,849 kr.
How to apply for credit cards online for free
First
Fill in the application and send it in.
Then…
Compare offers.
In the end
If you accept, the credit card will be delivered to your mailbox.
The offers stand for approx.
30 days.
If you don’t want the loan anyway, just end the process.
Everything is done electronically and efficiently with BankID.
Application processing time is 1-2 hours, often faster.
Here’s what we need to know
- How much do you want to borrow?
- Name, birth and social security number
- Contact information
- Annual income and whether you are applying with someone
- Your marital status and whether you have children
- Place of work and citizenship
- All the debt you have now
It’s easy to apply yourself, but remember that we can help you fill in and complete the application. Just ask for help or advice!
Who can apply for refinancing?
- You have reached the age of 23
- You have a fixed income of at least SEK 230,000
- You have lived and taxed in Norway for the last three years
- Everyone who applies for a loan is credit assessed
All banks in Norway carry out a credit check on everyone who applies for a loan. What is a credit check?
Loan calculator – How much will the loan cost me?
Apply for a credit card instantly today.
With us, you should be able to choose the smartest credit card for your needs.
Order easily and quickly online to get the credit loan you need.
Applying is completely non-binding.
We’ll help you apply to several banks at once to find the card that suits you!
All about credit cards
Here we have gathered information about everything you need to know about credit cards. Are you wondering about something we don’t answer here? Get in touch and we’ll help you!
How do I apply for a credit card?
Anyone over the age of 20 can apply for a credit card. You can easily do this by filling out an application on the banks’ websites or here at Motty.
You must have the necessary information ready for the application process to go as quickly as possible.
When you apply for a credit card, you will be credit assessed and given a credit score.
The credit rating involves assessing your age, income and how much other debt you already have.
It’s a good idea to apply for a credit card with several banks at the same time.
We’ll send your application to all the banks we work with – giving you the benefit of comparing and assessing the different credit amounts, interest rates and various benefits such as discounts, free insurance for travel and car rental.
All applications are completely non-binding and free to complete.
Credit cards can give you financial flexibility exactly when you need it. Just remember to pay it back within the given interest-free period, because then the purchase doesn’t have to cost you anything extra.
What requirements do I need to meet to get a credit card?
There are approximately 300 credit card providers in Norway.
Naturally, they have different criteria, but in general we can say that you must meet these requirements:
- You must be at least 18 or 20 years old
- You must show an annual income of at least 50,000 or 100,000 (before tax) a year.
Students must also show income.
Student loans are not income - You must be a Norwegian citizen and have a Norwegian social security number
- You cannot borrow more than five times your gross annual income.
Your existing debt is taken into account when assessing how much credit you get on your credit card. - Ongoing debt collection cases or payment remarks mean that you will be refused a credit card
Application rejected?
Did you know that if you have several credit cards with unused credit, this is also considered debt when you apply for a credit card?
You may be able to remove cards you don’t use in order to be granted a card you’d rather have.
Check out your debt at Gjeldsregisteret.no.
Or ask us to give you good tips.
Call us +47 69 36 06 66
How to apply for a credit card on the day
There are many different credit cards on the market.
Did you know that some of them suit you and your finances much better than others?
A wise choice of card will allow you to save money within your means, while giving you a personal buffer just when you need it.
- Apply for credit cards in multiple places at once, quickly and easily online
- You don’t need to put up collateral in real estate
- Get an answer on the day.
Start using your credit card as soon as the deal is done.
The main differences between credit loans you can apply for at Motty:
Credit card for those who like to pay back a little at a time This card is designed for those who prefer to pay their credit card bill over time.
That’s why this card is also rigged with a fixed low interest rate of 14.9%.
This is one of the lowest interest rates on the market!
The card does not have an interest-free period, but a fixed low interest rate that starts running as soon as you start using it.
If you want a cheaper credit loan, this could be the card for you.
Credit cards for those who can pay back right away
This card is better for those who have the ability to pay back quickly because you get a whole interest-free month!
That means you can buy what you want, pay off your credit card bill before it’s due and avoid being charged interest, which is usually between 22-24%.
Often you can collect bonus points and get access to exclusive offers, discounts and convenient benefits and valuable insurance and security schemes.
Is it a good idea to use a credit card?
Credit cards can give you flexibility, personal freedom and security.
With a credit card, you have the opportunity to buy or pay for what you need or what you want without having a buffer account.
With money at your disposal, you can, for example, book trips with travel insurance included or grab a bargain.
A big advantage is that you can shop safely online and abroad because the credit card company takes responsibility if you are defrauded or if those you have ordered/purchased services from go bankrupt.
In addition, there are many benefits that include discounts and great offers from various stores and retailers all year round, around the world.
Benefits of credit cards
Sometimes it’s actually a good idea to use alternatives other than credit cards, but there are often many advantages to using a credit card.
We’ve listed a few here:
- Always access to money
- Bonus points and discounts
- Travel insurance and additional insurances
- Safe and secure payment at home, abroad and online
- Good overview of what the money goes to
- Possibility to pay in installments
- Possibility of an interest-free period
Benefits of credit cards for travel
If you use your card while on vacation, it’s not your own money that disappears if the card falls into the wrong hands.
You’ll have better redress and rights if you’re scammed or defrauded, and you’ll have great peace of mind with the insurance that comes with the card.
What is the difference between a credit card and a bank card?
You can use your credit card as you wish in the same way as your bank card – whether it’s for physical purchases in shops, restaurants or accommodation, or for digital purchases online.
The difference from a bank card is that you get discounts, great offers and often bonus points when you use it. In most cases, you get better rights and insurance that protects you against fraud, theft and when traveling abroad.
Refinancing of credit cards
If you have a lot of credit cards and high credit debt, it can be profitable to refinance.
It’s an easy way to reduce your expenses, because you get to reduce the high interest rates and eliminate the extra costs associated with high fees and installments.
When we refinance for you, we make the rounds with the various banks to find a refinancing loan that is best for you.
The bank will pay off all your credit cards.
Then they’ll combine what you owe them into a brand new loan with lower interest rates and costs than you had before.
We help you clear your credit card debt
This can be worthwhile because interest rates on a new loan are often considerably lower than they are on a credit card.
Don’t use credit cards to pay off other debts.
Ask us for refinancing help to find smarter ways to get rid of your expenses.
We always help you free of charge and without obligation. Read more about debt refinancing here
Don’t you have a home?
Read more about how you can refinance without a home.
Still wondering about something?
Contact us and we will help you! We are always available for a chat.
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