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L'easy review

Updated September 30, 2026 · SumCue Editorial Team · Facts checked September 30, 2026

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Our verdict

L'easy suits borrowers in Denmark who want a direct lender personal loan with fixed payments for larger plans. Amounts of DKK 10,000 to DKK 200,000 and terms of 48 to 96 months give structure, while APR of 24.51% keeps the focus on total cost.

Key facts

Best for
Planned borrowing with fixed payments and clear payoff flexibility.
APR
24.51%↗
Loan amount
DKK 10,000 to DKK 200,000↗
Term
48 to 96 months↗
Arrangement fee
8% of loan amount↗
Credit check
Hard↗
Funding time
2-3 bank days after signing↗
Representative example
10,000 kr over 84 months, fixed rate 20.98%, APR 24.51%, monthly 235 kr, total 19,711 kr↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Must not be registered in RKI or Debitor Registret; apply with MitID↗
Origination fee (%)
8%↗
Loan types
Personal↗
Use cases
Home-improvement↗
Legal entity
3C Retail A/S↗
Headquarters
Denmark↗
Founded
1985↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
leasy.dk

Facts checked September 30, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataLinkedInTrustpilot

Pros and cons

Pros

  • Amounts of DKK 10,000 to DKK 200,000 give room for larger planned spending, above many smaller loan caps.
  • Terms of 48 to 96 months spread payments over several years, which helps monthly budgeting.
  • Early repayment without added charge gives flexibility if your income improves, based on free early repayment yes.
  • Support through email, phone and help centre gives phone plus written help, unlike chat only services.

Cons

  • APR of 24.51% sits above the typical borrowing level shown by 12.68%, which raises total cost.
  • Fees of 8% of loan amount add to the amount you repay, based on 8% of loan amount.
  • Funding in 2-3 bank days after signing may feel slow if you need money at short notice.
  • Support runs on email, phone and help centre only, without chat based on email, phone and help centre.

Ready to try L'easy?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Borrowers planning larger spending repaid over several years with fixed instalments linked to 48 to 96 months.
  • Borrowers who value direct lender servicing and early settlement flexibility tied to direct lender.

Who should look elsewhere

  • If you want same day payout, consider Ibancar Prestamos because L'easy funds in 2-3 bank days after signing.
  • If you want a lower APR illustration, consider Mi Prestamo with APR of 23% versus APR of 24.51%.

How it compares on our data

L'easy sits in the middle of the wider comparison on price and scale. On loan amount it holds position 156 among 429 brands, which points to a solid choice for mid sized and larger personal borrowing rather than very small advances. On APR it holds position 161 among 200 brands, which signals pricing above the cheapest part of the market. Taken together, those placements describe a lender for planned borrowing where predictability matters more than chasing the lowest headline rate. You get scale with clarity, while accepting a higher APR position.

Application and funding speed

L'easy pays funds in 2-3 bank days after signing. That timing means you should plan ahead for purchases, repairs or other scheduled spending, since approval and signing come before transfer. Amounts run DKK 10,000 to DKK 200,000, which covers a broad span from modest projects to substantial outlays without moving to secured borrowing. Terms run 48 to 96 months, so you repay over several years with fixed instalments that help you match payments to household cash flow. The combination favours calm decisions over rushed applications. If your timetable is tight, check the payout window against the date you need the funds.

Deposit protection

L'easy acts as lender of type direct lender, so your agreement is with L'easy itself rather than with an intermediary passing the file onward. That direct link can make questions about payments, statements and settlement simpler to route. The published illustration sets out an example with fixed rate and APR alongside monthly payment and total payable, which lets you see how cost builds over the full term before you commit. Review that illustration alongside your budget and leave margin for other bills. Direct handling plus a stated example supports informed choice, though credit approval still depends on checks.

Rates and costs

L'easy prices its personal loan at APR of 24.51%. That figure reflects interest plus mandatory charges across the term, so it gives a fuller view than the nominal rate alone. Fees run 8% of loan amount of the loan amount, which is added to cost and reflected in the APR illustration. The published illustration shows a fixed rate loan with APR, monthly payment and total payable, helping you link the rate to cash outlay. Repayment before the agreed end carries no added charge, so extra payments or full settlement can reduce remaining interest. Weigh APR plus origination charge against term length when you compare.

Who regulates it

L'easy operates as lender of type direct lender under Danish oversight. Supervision is linked to Finanstilsynet in Denmark, which is the authority shown in licensing records for this market. A direct lender structure means the firm sets terms, decides applications and services the loan through its own channels. You can contact support for questions on eligibility, documents, payments and settlement. Read the loan agreement closely, including rate basis, fees, term and repayment rules, so you know rights and duties before signing.

How L'easy compares

Where L'easy is available

Available
Denmark
Licence in Denmark
Finanstilsynet, checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What does borrowing from L'easy cost?+

L'easy charges APR of 24.51% for its personal loan. Fees run 8% of loan amount of the loan amount. The published illustration shows fixed rate with APR, monthly payment and total payable, so you can see cost before you apply.

How much can you borrow and for how long?+

L'easy offers amounts of DKK 10,000 to DKK 200,000. Terms run 48 to 96 months. That structure suits larger planned spending repaid over several years, with fixed payments that stay the same through the term.

How quickly do you receive the money?+

L'easy pays out in 2-3 bank days after signing. You apply with MitID and sign the agreement, then the lender arranges transfer. If your need is urgent, that waiting period may matter for your planning.

Is L'easy a direct lender or a broker?+

L'easy works as lender of type direct lender. You deal directly with the company named in the agreement. The published illustration helps you check rate, APR, monthly payment and total payable in advance.

Can you repay the loan early?+

Early repayment carries no added charge. That means you can shorten the term or clear the balance when your budget allows. You still repay the borrowed amount plus accrued interest and the agreed origination charge.

Who can apply for a L'easy loan?+

You must stay clear of RKI and Debitor Registret and apply with MitID. A hard credit check of type hard applies, which lenders can see. Support is available through email, phone and help centre if you have questions.

Who supervises L'easy?+

L'easy is linked to Denmark through DK and operates under supervision by Finanstilsynet in Denmark. Its model is fixed rate, so payments stay predictable. Always read the agreement for full terms before signing.

Sources

  • leasy.dk/forbrugslaan checked September 30, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Loan types, Pricing model, Representative example, Term, Use cases

    “Forbrugslan - Loan 10,000-200,000 kr. without collateral”

  • leasy.dk/gebyroversigt checked September 30, 2026

    Backs: Arrangement fee, Origination fee (%)

    “Cash loan - included in monthly payment: 8% of loan amount”

  • leasy.dk/kontakt-os checked September 30, 2026

    Backs: Support channels

    “Call 88 88 88 88, email leasy@leasy.dk, customer service pages”

  • leasy.dk/laan-penge checked September 30, 2026

    Backs: Legal entity, Lender type, Rate type

    “L'easy A/S (3C RETAIL A/S)”

  • leasy.dk/om-os checked September 30, 2026

    Backs: Founded, Headquarters

    “L'easy began in 1985 when Niels Thorborg founded VaskRent”

  • finanstilsynet.dk checked September 30, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

L'easy

Planned borrowing with fixed payments and clear payoff flexibility.

9.2/10See alternatives