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Personal Loan
Unforeseen expenses in the form of a broken house appliances or car? We have a solution! Consider taking out a cash loan or credit card.
How fast will I receive the money?
If all requirements have been met and you have accepted the offer, the money can be paid out within 1-3 working days. Make sure that you fill out the application correctly – then the whole process will go more smoothly and quickly. Once the application has been received, banks check the information about your debt collection processes and carry out your credit assessment. Therefore, it can sometimes take between 1 – 7 days from sending the application until the money is paid out.
What is an unsecured loan?
This is simply a consumer loan. In this case, banks do not expect collateral. Such loans are often no more than NOK 800 000, the repayment period is 5 years and the interest rate is usually between 8.9% and 20%.
What interest rate will I be offered?
The interest rate on a loan is the cost you have to pay when you borrow money from a bank. The value of the interest rate is determined by two things: what cost the bank incurs by lending you the money and the risk the bank takes if you do not repay the loan. The interest rate you receive is calculated based on your finances and ability to pay – so the interest rate is set individually. The bank orders a credit assessment to determine the appropriate interest rate. To find out what interest rate you will receive, you must apply for a loan.
Who can apply for a personal loan?
If you want to apply for a personal loan in Norway you must meet these criteria:
- Be at least 23 years old
- Have a fixed income of at least 230 000 NOK
- No inkasso
A credit evaluation will be conducted after you submit your loan application.
How much can I borrow?
If you meet all of the above criteria, have a steady job and no debt, you can get a loan of up to 800 000 NOK. The interest rate depends on your income and the repayment period.
How to apply for a fast personal loan?
Applying for a loan with Motty is fast, safe and easy. The only thing we ask is to carefully fill out the application form, which you will find here on our website. Send the application and wait for a response. We will take care of the rest!
Motty has extensive experience in the credit market. We work with a large network of banks and lending institutions. We forward your application to up to 20 banks, which then compete to offer you the best loan terms. The entire process is completely non-binding and free of charge!
Within 1-3 business days you will receive a reply from various banks and you will be able to choose the offer that suits you best.
Should I apply for a cash loan?
A cash loan will be suitable for people who have encountered unforeseen expenses or lack the funds to carry out their plans.
Save money on interest rates!
There are many ways to save money. You can do this by getting lower interest rates and fees, or through smaller installments and a properly chosen repayment period. Here are some examples:
- Every loan, in addition to interest and installments, involves a fee. In the case of multiple loans, you pay for each of them. You can avoid this if you combine your loans into one – by refinancing.
- Since banks want to present you with competitive offers, there is a good chance they will offer you a lower interest rate. Consumer loans and credit cards often have high interest rates. By consolidating your obligations and offering a more favorable interest rate on your loan, you can save thousands of crowns a year.
Motty will help You!
We help you organize your finances. We understand the market, and with years of experience, we can give you useful tips and advice to improve your financial situation.
We are happy to help you – contact us via phone: +47 465 42 951 or email at: info@motty.no
Borrow money without collateral
We’ll help you compare loans from up to 20 banks to make sure you get the offer from the bank with the best terms.
Get your finances in order today.
Get in touch for a no-obligation chat and hear how we can help you with unsecured loans.
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