Start with an overview
Find the balance, effective interest rate, fees and remaining term of the loans and credit card debt you want to consider.
CONSOLIDATE LOANS · REFINANCING
Consolidate loans. Explore one agreement for your debt.
Get an overview of your loans and credit card debt. Explore whether refinancing could suit your finances, and review the costs before deciding.
- Start with the debt you already have
- Compare monthly payments and total cost
- You decide whether to continue
A lower monthly payment over a longer term can increase total costs. Savings are not guaranteed.
Finansvalg does not provide loans. Rates and terms depend on the lender’s assessment. We may receive commission from partners. We do not cover the whole market. How we work
Explore loan consolidation
Check whether our partner can help you further. This is not a loan application or loan approval.
Representative price example
- Loan amount
- 310 000.00 kr
- Nominal interest
- 11.39 %
- Effective interest
- 12.00 %
- Establishment fee
- Not separately stated in source
- Monthly fee
- Not separately stated in source
- Repayment term
- 60 months
- Number of installments
- 60
- Monthly payment
- 6 801.00 kr
- Total cost
- 98 036.00 kr
- Total payable
- 408 036.00 kr
Representative example, not a personal offer. The rate is variable and set individually following a credit assessment. The monthly payment is approximate. Unspecified fees should not be interpreted as zero fees.
Show details
- Loan amount
- 310 000.00 kr
- Nominal interest
- 11.39 %
- Effective interest
- 12.00 %
- Establishment fee
- Not separately stated in source
- Monthly fee
- Not separately stated in source
- Repayment term
- 60 months
- Number of installments
- 60
- Monthly payment
- 6 801.00 kr
- Total cost
- 98 036.00 kr
- Total payable
- 408 036.00 kr
BEFORE YOU DECIDE
More clarity. A better basis for your decision.
Compare on equal terms
Look at both monthly payments and total cost. A longer repayment term can make a loan more expensive even if the monthly payment falls.
Choose your next step
A positive partner check lets you continue with the partner. The lender decides whether to make an offer and on what terms.
QUESTIONS & ANSWERS
Know what comes next.
Read more before choosing, or return to the form when you are ready.
Read the full guide ↗What does loan consolidation mean?
Refinancing replaces existing debt with a new loan agreement. Consider interest, fees and repayment term together before choosing.
Is refinancing always cheaper?
No. It depends on your current terms and any new terms offered. A lower monthly payment may result from a longer term and increase the total cost.
Are my loans moved when I submit the form?
No. This is an initial partner check. It does not transfer debt or create a loan agreement.
Who decides whether I can refinance?
The lender makes an individual credit assessment. A positive check through Finansvalg is neither loan approval nor a loan offer.