Get a loan in Norway

Dear Visitor

It is with a heavy heart that we have made the difficult decision to close down our activities in Norway and stop lending. That means that you can no longer apply for a loan with Express Bank via our home page, but you can still find us at some of our Retail partners.

If you are already a customer this has no effect on you. We are still open for you and our other customers as long as you have an account in the bank.

Read more about the decision here
(In Norwegian)

About Express Bank

Express Bank got its first office in Norway in 2008. The bank was established in Denmark in 1987 as a collaboration between Handelsbanken and Dansk Supermarked, which for many years has meant a close anchoring in retail with tailored credit solutions in stores and online.  Our head office is located in Taastrup i Danmark and we have another office in Kista i Sverige where we offer savings under the brand name SevenDay Bank. We are also part of an international group, as we are owned by BNP Paribas Personal Finance.

In January 2024, we took the difficult decision to shut down lending in all three countries.

We make it easy to get an instant consumer loan

Each year, we receive more than 400,000 applications for a fast loan in Norway and Denmark. One of the reasons why Express Bank is a popular choice among consumers is that we have simplified the application process, which means that in just a few steps, you can apply for an instant consumer loan online.

Receive your money in a few days

After applying for e.g. a debt consolidation loan, you can expect an answer in less than 15 minutes and in case your application is approved, you will receive the money on your bank account within a few days.

Use our loan calculator

Avoid incidental expenses by using our loan calculator. We have an easy and detailed loan calculator that will give you estimates of how much your loan will cost. All you need to do to apply for a debt consolidation loan is to fill out the information requested in the calculator. The information is regarding your existing loans, if you want to lend extra cash as well as the repayment period. Then the loan calculator provides you with information that guides your decisions about getting an instant consumer loan.

Different types of loans

We offer a variety of loans to Norwegian consumers. Common to all of them is that you as a consumer get the freedom to decide the amount of money you wish to borrow and the period of time in which you want to pay it pack. Below is a brief introduction to the different types of loans we offer:

Traditional consumer loans

If you are looking for a personal loan in Norway, we also offer traditional consumer loans up to NOK 200,000 which you can use on any consumer related product.

Debt consolidation

If you have several loans, getting a debt consolidation with comparably lower interest rates might be a good opportunity for you. Consolidating your payments also makes it easier for you to manage the debt. We offer debt consolidation loans up to NOK 500.000.

Credit card

If you apply for a product through one of our retailers you will get a credit card with a credit limit up to NOK 75,000 and use it as security when you are in the need for some extra money. This is a alternative to a traditional loan in Norway.


    How to apply for a consumer loan?

    The application process is fairly straight forward but it requires some information about your economy.

    1. Start the application process by filling out the calculator with information about the loans you want to consolidate. Then you will be sent to the application form where we need more information about your economy, personal details (such as address, phone number etc).
    2. Shortly after the application is sent, you will get information on whether or not it is approved. If your application is approved, we will request some more information from you.
    3. When you get the final approval the money will be on your account or consolidated after two business days.
    Why is my application declined?

    There is a variety of reasons why your application might be declined.

    • If you have any payment remarks or debt collection registered, you need get rid of them before applying. You can check your payment remarks in one of the credit information agencies.
    • You must have a registered address in Norway for the last three years or a registered income.