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Axo Group review

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

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Our verdict

Axo Group suits Norwegian borrowers with a steady income who want a personal or consolidated loan priced at 8.19% to 26.23%, or a credit card with an annual fee of NOK 0. It is a broker, so an offer comes from a partner lender and payout runs 1-2 business days from application to payout.

Key facts

Best for
A Norwegian borrower with a good credit file who can plan around a payout time of 1-2 business days from application to payout.
APR
8.19% to 26.23%↗
Loan amount
NOK 5,000 to NOK 600,000↗
Term
12 to 360 months↗
Arrangement fee
0-1990 NOK↗
Credit check
Soft prequal↗
Funding time
1-2 business days from application to payout↗
Representative example
Personal loan example: effective rate 13.32%, loan amount 150,000 NOK repaid over 5 years, cost 52,811 NOK, total 202,811 NOK↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Over 18 years old, stable income and no payment remarks↗
Loan types
Personal, Debt-consolidation, Secured↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Axo Finans AS↗
Headquarters
Norway↗
Founded
2008↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
axogroup.com

Credit cards

Annual fee
NOK 0↗
Currency conversion fee
1.75%↗
Rewards type
Cashback↗
Rewards rate
4% cashback at Booking.com, 10% on Zalando gift cards (TF Bank Mastercard)↗
Perks
Travel and cancellation insurance included (70 days), Free ID theft insurance, DealPass up to 30% discount with discount guarantee↗
Card kind
Credit↗

Personal insurance

Premium from
SEK 451↗
Provider type
Comparison site↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Interest on personal and consolidated loans is priced at 8.19% to 26.23%, with a term of 12 to 360
  • Early repayment is free, so clearing the balance sooner cuts the total cost
  • The credit card has an annual fee of NOK 0 and pays cashback
  • Support runs on email, phone and help centre, so a question can be raised by phone, by email or in the help centre

Cons

  • An arrangement fee of 0-1990 NOK is added to the cost of a personal loan
  • Suitability is set at good credit, and a weaker file is turned away
  • Money is not instant: payout runs 1-2 business days from application to payout from application

Ready to try Axo Group?

Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults with a stable income and no payment remarks, since Over 18 years old, stable income and no payment remarks sets the entry terms
  • Borrowers covering home improvement who want a personal loan up to NOK 5,000 to NOK 600,000
  • Card shoppers after travel and cancellation cover, identity theft cover and a discount programme

Who should look elsewhere

  • Anyone who needs money the same day, given a payout time of 1-2 business days from application to payout
  • Card shoppers who spend abroad often, because a currency conversion fee of 1.75% applies

Safety of your money

Axo Group is a broker, so a loan is arranged through a partner lender rather than by the group itself, and the rate you receive is set by that lender. The published representative example is a personal loan repaid over a term of several years, where interest and fees lift the total repaid well above the amount borrowed. Check that example against your own amount before you apply.

Who runs it

The company behind the Norwegian consumer products is Axo Finans AS, headquartered in Norway, and the group traces its roots to 2008. It is supervised by Finanstilsynet in Norway. Support runs on email, phone and help centre, so loan questions can be raised by phone, by email or through the help centre.

How Axo Group compares

Where Axo Group is available

Available
Denmark, Finland, Norway, Sweden
Licence in Norway
Finanstilsynet, checked September 26, 2026

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

Frequently asked questions

How much can I borrow from Axo Group?+

The range runs NOK 5,000 to NOK 600,000. Personal, debt consolidation and secured borrowing are all offered, so the size that suits depends on whether you put up an asset. An arrangement fee of 0-1990 NOK applies on top, so a larger draw carries a larger fee.

What rate will I pay?+

Interest is published at 8.19% to 26.23%, and what you are offered depends on your credit profile and the lender you are matched with. The representative example runs over a term of several years, so the total repaid sits well above the amount borrowed once interest is added. Use it as an anchor for judging the quote you receive.

Is there a fee for setting up a loan?+

Yes, an arrangement fee of 0-1990 NOK is charged. Early repayment is free, so clearing the balance ahead of schedule costs nothing extra and reduces the total interest. Compare the fee against the interest saved before settling a loan early.

How long does the money take to arrive?+

Payout runs 1-2 business days from application to payout. That is the gap between submitting an application and seeing the money, so plan any payment you owe from the date you expect the loan rather than the date you apply. Speed matters most if you are refinancing an existing bill.

Who runs and supervises Axo Group?+

The company behind the Norwegian loans is Axo Finans AS, based in Norway, and the group goes back to 2008. It is supervised by Finanstilsynet in Norway, which is the authority to raise with if a partner lender's terms look unclear.

What credit score do I need?+

The stated requirement is good credit, alongside a stable income and no payment remarks. Checking what you may qualify for uses a soft prequalification rather than a full search, so an initial look does not mark your file in the same way a completed application does.

What does the credit card cost to hold and use?+

The annual fee is NOK 0, so there is no charge for keeping the card open. Spending in another currency carries a conversion fee of 1.75%, which is worth weighing if you pay abroad often. Rewards are cashback rather than points, with extras covering travel, cancellation and identity theft.

How do I reach someone if a payment looks wrong?+

Support runs on email, phone and help centre: phone, email and a help centre, all listed for the loan side of the business. Anything to do with the broker arrangement is easiest to raise by phone, since the group mediates between you and the partner lender.

Sources

  • axogroup.com checked September 26, 2026

    Backs: Headquarters, Use cases

    “Address:St. Olavs gate 28 0166 Oslo”

  • axogroup.com/en/about-us checked September 26, 2026

    Backs: Founded

    “Since our inception in 2008, we have grown to become one of the largest players in our field across the Nordics”

  • axogroup.com/en/affiliates checked September 26, 2026

    Backs: Lender type

    “Axo is one of the largest loan brokers in the Nordics”

  • axofinans.no/faq/forbrukslan checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Funding time

  • axofinans.no/forbrukslan checked September 26, 2026

    Backs: Legal entity, Loan types, Support channels, Licences

    “© 2012-2026 Axo Finans AS, All Rights Reserved”

  • axofinans.no/kredittkort checked September 26, 2026

    Backs: Annual fee, Card kind, Features, Currency conversion fee, Pricing model, Perks, Rewards rate, Rewards type

    “TF Bank mastercard - Helt gebyrfritt”

  • axofinans.no/om/priser checked September 26, 2026

    Backs: APR, Free early repayment, Arrangement fee, Representative example, Term

    “Effektiv rente, fra-til 8,19% - 26,23%”

  • insplanet.se checked September 26, 2026

    Backs: Provider type, Premium from

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Axo Group

A Norwegian borrower with a good credit file who can plan around a payout time of 1-2 business days from application to payout.

9.0/10See alternatives