Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Kreditnu review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Kreditnu suits Danish adults who want a fixed, short personal or payday loan and can clear a hard credit check. The catch is cost: an APR of 24.87% on top of an arrangement fee of 25% of the amount borrowed, which makes borrowing here far costlier than the 14.43% APR typical of personal loans.

Key facts

Best for
A small fixed personal loan in Denmark that can be cleared early without charge.
APR
24.87%↗
Loan amount
DKK 4,000 to DKK 25,000↗
Term
24 months↗
Arrangement fee
25% of the loan amount, added to principal and repaid in 24 equal instalments↗
Credit check
Hard↗
Funding time
Instant transfer, same day as approval during opening hours↗
Representative example
Loan of 5,000 kr. over 24 months: 260,41 kr. per month, 1,250 kr. total loan costs, 6,250 kr. total repayment, APR 24.87%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Age 23 to 70, Danish CPR number, Danish residence address, valid MitID, not registered in RKI↗
Origination fee (%)
25%↗
Loan types
Personal, Payday↗
Legal entity
Blue Finance Denmark ApS, CVR 39824515↗
Headquarters
Denmark↗
Founded
2019↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
kreditnu.dk

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • Loan amounts of DKK 4,000 to DKK 25,000 repaid over a set 24, so the repayment is easy to plan
  • Free early repayment, so a windfall can cut the total cost
  • Money moves by instant transfer on Instant transfer, same day as approval during opening hours
  • Fixed rate, stated as fixed, so payments do not shift

Cons

  • An arrangement fee of 25% of the amount borrowed is added to the principal
  • APR of 24.87% sits well above the 14.43% personal loan median
  • A hard credit check is required, and applicants need a Danish CPR number, a Danish residence address and valid MitID to qualify
Kreditnu

Ready to try Kreditnu?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Adults living in Denmark with a Danish CPR number and a Danish residence address
  • People with valid MitID who can sign in and complete the hard credit check
  • Borrowers who can clear the balance early at no cost

Who should look elsewhere

  • Anyone without a Danish CPR number, Danish residence address or valid MitID
  • Borrowers registered in RKI, who are turned away at the eligibility stage
  • People who want cheap credit, since the 24.87% APR and 25% fee sit far above the personal loan median of 14.43%

Deposit protection

This is a lending business, not a deposit account, so there is no deposit protection scheme covering money held with it. Kreditnu lends its own money as a direct lender, and its own example sets out what a loan costs: borrowing over 24 means repaying a set instalment each month on top of the amount received. The Danish regulator named for the brand is Finanstilsynet, and the hard credit check is what decides approval.

The company behind it

Kreditnu is operated by Blue Finance Denmark ApS, CVR 39824515, which is registered in Denmark and has been trading since 2019. It is a direct lender, meaning the loan comes from the lender itself rather than a panel of partners. People with questions can reach it by phone, email and help centre, and applications run through a Danish interface tied to MitID.

How Kreditnu compares

Where Kreditnu is available

Available
Denmark
Licence in Denmark
Finanstilsynet, checked September 26, 2026

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

Frequently asked questions

What does a Kreditnu loan cost in total?+

The stated APR is 24.87%, and an arrangement fee of 25% of the amount borrowed is added to the principal. The brand's own example shows monthly instalments over 24, with the fee repaid alongside the loan across the same schedule.

How much can I borrow from Kreditnu?+

Loan amounts run from DKK 4,000 to DKK 25,000, which caps what a new customer can take. Both personal and payday loans are offered, on a fixed rate stated as fixed, so the monthly payment stays the same across the term.

How long is the term on a Kreditnu loan?+

The term runs over 24. That is shorter than the 36 month median across personal loans on the site, which keeps the outstanding balance small but concentrates repayment into a short window.

Does Kreditnu check my credit?+

Yes, a hard credit check is part of the application. Applicants also need a Danish CPR number, a Danish residence address, valid MitID, a minimum age and a maximum age, and they must not be registered in RKI.

Is my money protected with Kreditnu?+

Kreditnu is a direct lender rather than a savings provider, so money is lent out rather than held, and no deposit protection applies to the loan. The regulator named for the brand in Denmark is Finanstilsynet, and the hard credit check drives the approval decision.

How quickly is money paid out?+

Funding follows Instant transfer, same day as approval during opening hours. That makes it useful for an urgent bill or expense, and the same-day feature applies to personal and payday loans alike.

Can I repay a Kreditnu loan early?+

Yes, early repayment is free, so settling the balance sooner reduces the interest and fees you pay. That makes a short term less costly than it looks, provided the money is there to clear it.

Who is behind Kreditnu?+

The lender is Blue Finance Denmark ApS, CVR 39824515, registered in Denmark and trading since 2019. It lends directly rather than brokering to partners, and help runs on phone, email and help centre.

Sources

  • kreditnu.dk/laan-penge checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Loan types, Pricing model, Origination fee (%), Representative example, Support channels

    “Debitorrente (fast aarlig) 0 %”

  • kreditnu.dk/laanevilkaar checked September 26, 2026

    Backs: Loan amount, APR, Free early repayment, Headquarters, Legal entity, Lender type, Arrangement fee, Rate type, Term, Licences

    “AOP = 24,87 %”

  • kreditnu.dk/ofte-stillede-spoergsmaal checked September 26, 2026

    Backs: Funding time

    “KreditNU laver straksoverfoersel paa alle godkendte laaneansoegninger”

  • kreditnu.dk/om-kreditnu checked September 26, 2026

    Backs: Founded

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Kreditnu

Kreditnu

A small fixed personal loan in Denmark that can be cleared early without charge.

8.9/10See alternatives