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Zmarta Norge 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

Zmarta Norge suits Norwegian adults with a steady income who would rather let a broker place one application than shop lenders alone. Loan amounts run NOK 5,000 to NOK 800,000 and repayment terms 12 to 60 months, so a small debt consolidation and a bigger home project both fit the same route.

Key facts

Best for
A single Norwegian application for personal, debt consolidation or car borrowing.
APR
15.52%↗
Loan amount
NOK 5,000 to NOK 800,000↗
Term
12 to 60 months↗
Arrangement fee
0 NOK↗
Credit check
Hard↗
Funding time
Money in account within 1-5 business days after signing↗
Representative example
Nom. rate 12.9 %, effective rate 15.52 %, 75 000 NOK over 5 years, cost 30 509 NOK, total 105 509 NOK↗
Lender type
Broker↗
Eligibility
Age 20+, annual income over 120 000 NOK, taxed in Norway for more than 3 years, no payment remarks↗
Loan types
Personal, Debt-consolidation, Car↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Zmarta AS↗
Headquarters
Norway↗
Founded
1999↗
Support channels
Email, Phone, Chat, Help-centre↗
Features
Same-day funding
Official website
zmarta.no

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Repayment terms of 12 to 60 months let a larger borrowing spread across years rather than months.
  • Support runs on email, phone and chat, so help comes by phone, chat, email or the help centre.
  • Loan types cover personal borrowing, debt consolidation and car finance, so one application can cover several needs.

Cons

  • The effective rate of 15.52% is a guide only, since a broker sends the application on and the lender sets the final price.
  • Eligibility is narrow: a minimum age, an annual income above the level the site states, a period of Norwegian tax history and good credit.
  • Payout timing is Money in account within 1-5 business days after signing, so anything due sooner waits and a slow month can leave a bill short.
Zmarta Norge

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Norwegian adults with a steady income above the level the site states and a good credit record
  • People consolidating several debts into one repayment, or funding a car or a home improvement project
  • Borrowers comfortable with a hard credit check who want the decision and the payout to move quickly

Who should look elsewhere

  • Readers shopping purely on price should weigh Sofkredit at 10.74% to 18.06% against the 15.52% shown here before applying.
  • Applicants without a period of Norwegian tax history, since the stated eligibility asks for one before any offer.
  • Anyone wanting a fixed price from one place, since the lender that accepts the application sets the terms in Norway.

Deposit protection

Zmarta works as a broker, so it does not lend the money itself: the application goes to partner lenders and their terms decide what you pay. The representative example pairs a nominal rate with an effective rate of 15.52% over a multi year repayment. This is borrowed money rather than a deposit, so no savings balance is held here to protect.

The company behind it

The site is run by Zmarta AS, headquartered in no and operating since 1999. Its role is matching rather than lending, so the lender you end up with matters as much as the rate you are offered. Support runs on email, phone and chat, giving a phone route as well as written and self service help for both applicants and borrowers.

How Zmarta Norge compares

Where Zmarta Norge is available

Available
Norway, Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026

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

Frequently asked questions

What does a loan from Zmarta Norge cost?+

The arrangement fee is 0 NOK on a personal loan, so set up adds nothing to the bill. The figure that decides the cost is the effective rate, which the refinancing example puts at 15.52%. As a broker, Zmarta passes the application on, so that example is a guide and the partner lender's offer is the one that counts.

How much can I borrow and over what term?+

Loan amounts run NOK 5,000 to NOK 800,000, wide enough for a small debt consolidation and for a larger home project. Repayment terms run 12 to 60 months, so a bigger borrowing spreads across years rather than months, and the listed purposes include home improvement.

What credit do I need to be accepted?+

The bar is good credit, and the application uses a hard credit check rather than the soft pre qualification used by a minority of lenders (20.1%). A clean record and steady income are what move the rate you are offered.

Am I dealing with the lender or a broker?+

Zmarta Norge is a broker rather than the lender itself. The legal entity is Zmarta AS, based in no, and it passes the application to partner lenders, so the amount, the rate and the term on your offer come from that lender rather than from a published Zmarta price.

How quickly does the money arrive?+

Speed is part of the pitch: the listed features cover same day funding, and payout runs Money in account within 1-5 business days after signing. That window is measured in working days rather than hours, so it suits planned spending such as a car or a home project better than a bill that has already fallen due.

Who is eligible to apply?+

Applicants need a minimum age, an annual income above the level the site states and a period of Norwegian tax history, on top of good credit. Someone applying from outside the Norwegian tax system, or with an unsettled record, is unlikely to clear the opening checks.

How do I get help with my application?+

Support runs on email, phone and chat, with a phone line among them. For a broker the help centre matters before an application as much as after, since the lender that accepts you is the party that pays out and issues statements, so keep your agreement details to hand when you call.

Sources

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

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