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Lendo.no review

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

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Our verdict

Lendo is a Norwegian loan marketplace for borrowers who want one application weighed against several banks rather than a single lender. Consumer loans run at 9.45% to 17.77% with an arrangement fee of 0 NOK, and remortgaging at 4.89% to 5.84% with an APRC of 5.37%.

Key facts

Best for
Norwegian households comparing consumer loan and remortgage offers from several banks in one application.
APR
9.45% to 17.77%↗
Loan amount
NOK 10,000 to NOK 600,000↗
Term
12 to 180 months↗
Arrangement fee
0 NOK↗
Credit check
Hard↗
Funding time
Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 business days↗
Representative example
140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway↗
Loan types
Personal, Debt-consolidation, Credit-line, Car, Secured↗
Use cases
Home-improvement↗
Legal entity
Lendo AS (org. nr. 997 523 814)↗
Headquarters
Norway↗
Founded
2012↗
Support channels
Phone, Email, Chat, Help-centre↗
Features
Credit line
Official website
lendo.no

Mortgages

Initial rate
4.89% to 5.84%↗
APRC
5.37%↗
Fixed period
25 years↗
Maximum loan to value
90%↗
Product fee
NOK 0↗
Purpose
Remortgage↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • The consumer loan arrangement fee is 0 NOK and the remortgage product fee is NOK 0, so neither product charges a fee to set up.
  • Early repayment is free, so a loan can be cleared sooner without a charge.
  • Loan amounts of NOK 10,000 to NOK 600,000 reach well past the site ceiling of €653,159.33, and terms of 12 to 180 suit both short and long commitments.
  • Support runs on phone, email and chat, so help is available by phone, email, chat or a help centre.

Cons

  • The credit check is hard, and hard checks are what 75% of the site listings use, so a declined application counts against you.
  • Lendo is a marketplace, a model only 7% of the site listings use, so the rate you get depends on which bank answers.
  • Eligibility needs an email address of your own and a Norwegian phone number, and non-Norwegian citizens need a Norwegian national identity number plus a minimum period of residence.
Lendo.no

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Norwegian salaried workers with a minimum income who want a consumer loan for home improvement or for debt consolidation.
  • Homeowners with an existing mortgage who want to remortgage at 4.89% to 5.84% and 5.37%.
  • Borrowers who would rather send one application to several banks, since Lendo is a marketplace.

Who should look elsewhere

  • Cashspace, whose rates of PHP 12 to PHP 36 are set in another currency and market, if you are not borrowing in Norway.
  • Creduma ES, listed at from €12,000, if your income and borrowing sit in euros.
  • Sofkredit, at 10.74% to 18.06%, if you want one lender's rate rather than a marketplace comparison.

How Lendo.no compares

Where Lendo.no is available

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

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

Frequently asked questions

What does it cost to take out a loan through Lendo?+

The consumer loan carries an arrangement fee of 0 NOK, and the remortgage product fee is NOK 0. Borrowing cost sits in the rate instead, at 9.45% to 17.77% for unsecured consumer loans. Early repayment is free, so clearing a loan sooner costs nothing extra.

Is Lendo regulated?+

Lendo AS operates in Norway as a marketplace and is listed with Finanstilsynet, the Norwegian regulator. The loans themselves come from the banks that answer an application, so the terms you are offered are set by that bank rather than by the marketplace. Support runs on phone, email and chat if an application needs chasing.

How long does it take to get the money?+

Payout follows approval, and the wait sits with the bank. Banks can take a day to answer and documentation adds a few business days, so same day funding, offered by 30.8% of the site listings, is not the norm here. Plan around a fixed date with slack in hand.

Who can apply?+

Applicants need to be adults with a minimum income, an email address of their own and a Norwegian phone number. Registered payment remarks or collection cases rule an application out. Non-Norwegian citizens need a Norwegian national identity number and a minimum period of residence in Norway. The credit check is hard.

What can I borrow, and for how long?+

Consumer loans run from NOK 10,000 to NOK 600,000 over terms of 12 to 180. The range covers personal loans, debt consolidation, a credit line, car finance and secured borrowing, with home improvement listed as a use. On the mortgage side, remortgage is the stated purpose, with a maximum loan to value of 90% and a fixed period of 25.

How does Lendo compare with other lenders?+

One application goes to several banks, which is a marketplace model that 7% of the site listings use. For scale, Lendo reaches NOK 10,000 to NOK 600,000, well past the site ceiling of €653,159.33. The other brands listed here charge different bands, such as PHP 12 to PHP 36 and 10.74% to 18.06%, in other currencies and markets.

Where does Lendo rank on loan amount?+

On loan amount, Lendo ranks 310 of 665 brands ranked, clear of the €100 to €2,629.99 band that most listings fall in. Its offer score is 6.7, and the rate on an unsecured consumer loan is 9.45% to 17.77%.

Sources

  • lendo.no checked September 26, 2026

    Backs: Features, Free early repayment, Funding time, Headquarters, Lender type, Loan types, Support channels

    “Hagegata 22, 0653 OSLO”

  • lendo.no/boliglan checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Eksempel belåningsgrad 75 %: Lån 4 000 000 kr. Nedbetalt over 25 år. Nominell rente 5,2 %. Effektiv rente 5,37 %.”

  • lendo.no/forbrukslan checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Arrangement fee, Representative example, Term, Use cases

    “Vår tjeneste er kostnadsfri”

  • lendo.no/forbrukslan/forbrukslan-pa-dagen checked September 26, 2026

    Backs: Credit check

  • lendo.no/om-lendo/vilkar checked September 26, 2026

    Backs: Legal entity, Licences

    “Tjenesten leveres av Lendo AS, (org.nr. 997 523 814)”

  • no.linkedin.com/company/lendo-as checked September 26, 2026

    Backs: Founded

    “I 2012 ble Lendo AS startet i Norge ... Grunnlagt 2012”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Lendo.no

Lendo.no

Norwegian households comparing consumer loan and remortgage offers from several banks in one application.

8.9/10See alternatives