Loan in Norway for foreigners: requirements and where to apply
Foreigners can get a loan in Norway when they have a Norwegian national ID number, BankID, a registered address and regular income in Norway. Citizenship is not required, but a D number is rarely enough.
- Honest requirements, no false promises
- One application, offers from several banks
- Free and non-binding to apply
What Norwegian lenders usually require
- Norwegian national ID number (fødselsnummer) and BankID for signing
- Registered address in Norway (Folkeregisteret)
- Regular income in Norway. Zmarta's programme terms state at least 120 000 kr gross per year and an age over 20
- No payment remarks (betalingsanmerkninger) or debt collection
Loan brokers you can apply through
Loan broker since 2013. Collects offers on consumer loans and refinancing.
Representative example: Annuitetslån 150 000 kr, 5 år, nom. rente 10,90 %, etabl.-/termingeb. 0 kr gir eff. rente 11,46 %. Totalkostnad 195 240 kr.
Loan broker for consumer loans and refinancing up to 800 000 kr.
Representative example: Eff. rente 13,35 %, 170 000 kr o/8 år, kostnad 100 036 kr, totalt 270 036 kr.
Loan broker that sends one application to several banks and lenders.
Representative example: Annuitetslån 150 000 kr, 5 år, nom. rente 12 %, etabl.-/termingeb. 0 kr gir eff. rente 12,68 %. Totalkostnad 200 200 kr.
Norwegian loan marketplace. One application, offers you can compare side by side.
Representative example: 140 000 kr over 5 år, effektiv rente 13,44 %, kostnad 49 412 kr, totalt 189 412 kr.
Can I get a loan with a D number?
Very rarely. A D number is a temporary ID from the Norwegian Tax Administration for people who are not registered as residents. Online loan applications in Norway are signed with BankID, and most banks require a national ID number to check the Debt Register (Gjeldsregisteret).
How to become eligible
- Register your move to Norway and receive a national ID number when you meet the residence rules.
- Open a Norwegian bank account and order BankID.
- Have your salary paid into the Norwegian account, pay bills on time and check your credit score for free before you apply.
Refinancing expensive debt
If you already have credit cards or small loans in Norway, a refinancing loan can combine them into one loan with one monthly payment. Compare the effective interest rate and the total cost, not only the monthly amount.
FAQ
Can foreigners get a loan in Norway?
Yes, if you have a Norwegian national ID number, BankID, a registered address and income in Norway. Lenders assess each application individually, so approval is never guaranteed.
How much can I borrow in Norway?
Brokers such as Zmarta and Sambla list consumer loans up to 800 000 kr. Norwegian lending rules cap total debt at five times your gross annual income.
One application. Several offers. You decide.
Loan brokers you can apply throughAdvertiser content: SmartMoney may earn a commission when you apply via buttons marked "Ad". It costs you nothing extra. The order is not a ranking. Each button shows the provider's representative example in Norwegian.