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Zensum review

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

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Our verdict

Zensum is a loan broker running in Norway and Sweden, built for borrowers with thin credit files. Its example personal loan prices at an effective rate of 11.46%, with terms running 12 to 180 on a variable rate, so instalments follow the market.

Key facts

Best for
A broker personal loan with an arrangement fee of 0 NOK for Nordic borrowers with poor credit.
APR
11.46%↗
Loan amount
NOK 150,000↗
Term
12 to 180 months↗
Arrangement fee
0 NOK↗
Credit check
Hard↗
Funding time
Answer often within a few hours, in some cases up to a couple of days↗
Representative example
Annuitetslån 150 000 kr, 5 years, nominal rate 10.90%, establishment/term fee 0 kr, effective rate 11.46%, total cost 195 240 kr, 3 254 kr per month↗
Rate type
Variable↗
Lender type
Broker↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Secured, Car↗
Credit needed
Poor↗
Legal entity
Zensum AB↗
Headquarters
Sweden↗
Founded
2013↗
Support channels
Phone, Email, Help-centre↗
Official website
zensum.se

Mortgages

Maximum loan to value
90%↗
Product fee
SEK 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
TrustpilotTrustpilot

Pros and cons

Pros

  • An arrangement fee of 0 NOK and a fee share of 0% on the personal loan.
  • Loan types include personal, debt consolidation and secured, and the service works as a broker rather than a lender.
  • The Swedish mortgage reaches a maximum loan to value of 90% with a product fee of SEK 0.
  • Support runs on phone, email and help centre, and applications are often answered within hours.

Cons

  • A hard credit check is required, so an application leaves a record on the file.
  • The rate is variable, so the instalment can move during a 12 to 180 term.
  • The example amount of NOK 150,000 is quoted in Norwegian kroner, so the headline figure does not map onto markets priced in other currencies.
Zensum

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Borrowers in Norway and Sweden with a poor credit history, which is the profile the example loan targets.
  • People who would rather have a broker compare lenders than deal with one bank, since Zensum works in the broker model across personal, debt consolidation and secured.
  • Swedish homebuyers and remortgagers, since the mortgage side covers purchase and remortgage.

Who should look elsewhere

  • Anyone who needs a fixed rate to budget around, since the Zensum rate is variable. Sofkredit publishes 10.74% to 18.06%, and the rate type there is worth checking first.
  • Readers shopping outside the Nordic markets: Cashspace quotes PHP 12 to PHP 36 and Creduma ES lends from from €12,000, both in currencies other than the Norwegian kroner in the Zensum example.

How it compares on our data

On our borrowing data Zensum ranks 91 of 665 brands on loan amount, and 158 of 338 on APR. The amount ranking sits far down the field, while the rate ranking sits nearer the front. Readers comparing on cost alone get more from the APR position than from the amount ranking.

How Zensum compares

Where Zensum is available

Available
Norway, Sweden
Licence in Sweden
Finansinspektionen, checked September 26, 2026
Licence in Norway
Finanstilsynet, checked September 26, 2026
Licence in Sweden
SE_FINA (PSD_PI SE_FINA!44004), checked September 26, 2026, also valid in Sweden

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

Frequently asked questions

What does a Zensum loan cost in fees?+

The personal loan example carries an arrangement fee of 0 NOK and an origination fee of 0% as a share, so nothing is taken up front for the loan itself. The effective rate on the example is 11.46%. On the Swedish mortgage the product fee is SEK 0, keeping fees low on both products.

Is Zensum regulated?+

The entity behind the service is Zensum AB, based in Sweden, and it holds the Swedish payment licence PSD_PI SE_FINA!44004. The licence record names Finansinspektionen for Sweden and Finanstilsynet for Norway. Zensum sits in the broker model, so the offer you sign is with a lender the broker introduces.

What credit check does Zensum run?+

Zensum runs a hard credit check, and the profile the example loan is written for is poor credit. A hard check leaves a record on the file, so it suits people whose history is already thin rather than those with a long clean record. Across our data 75% of lenders use a hard check, so this is standard.

How much can I borrow and over what term?+

The published example is a personal loan of NOK 150,000 quoted in Norwegian kroner, with terms running 12 to 180. The rate on that example is variable, so the instalment moves with the market. The Swedish side covers a different product, which is set out in the mortgage answer.

How quickly do I hear back?+

Zensum publishes that applications are often answered within hours, with some taking longer than that, and the hard credit check runs as part of the process. Support runs on phone, email and help centre for status questions, so a phone call or email reaches the team handling the application.

Does Zensum offer mortgages?+

The Swedish site lists a mortgage for purchase and remortgage, with a maximum loan to value of 90% and a variable rate. The product fee on that mortgage is SEK 0, so the cost sits in the rate rather than in setup charges. The head office for the entity is in Sweden.

When did Zensum start, and who runs it?+

Zensum was founded in 2013 and the entity on the licence record is Zensum AB, headquartered in Sweden. It has been matching borrowers with lenders across Norway and Sweden since then, covering personal, debt consolidation and secured as well as a Swedish mortgage for purchase and remortgage.

How does Zensum compare with the other lenders listed?+

Zensum scores 7.1 on our data, with the cost part at 7.1. For a rate benchmark, Sofkredit quotes 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, while Creduma ES lends from from €12,000. Those sit in other currencies, so the Zensum example in Norwegian kroner is the closer comparison.

Sources

  • euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “EntityCode=SE_FINA!44004; EntityType=PSD_PI; ENT_NAM=Zensum AB”

  • zensum.no checked September 26, 2026

    Backs: Loan amount, APR, Founded, Loan types, Arrangement fee, Rate type, Representative example, Term

    “Annuitetslån 150 000 kr, 5 år, nom. rente 10,90%”

  • zensum.se checked September 26, 2026

    Backs: Credit check, Credit needed, Funding time, Lender type, Origination fee (%), Purpose

    “Bolån trots betalningsanmärkning - Ansök trots betalningsanmärkning”

  • zensum.se/bolan checked September 26, 2026

    Backs: Maximum loan to value, Product fee

  • zensum.se/om-oss/kundservice checked September 26, 2026

    Backs: Support channels

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Zensum

Zensum

A broker personal loan with an arrangement fee of 0 NOK for Nordic borrowers with poor credit.

9.0/10See alternatives