Get a Loan with Arcadia Finans

Looking for a loan in Denmark can be tough, especially if you’re new to the country. There are lots of banks and different ways to borrow money, and it can be hard to figure out the best option.

Arcadia Finans is here to make lending simpler. We’ve got a free service that connects you with many banks in Denmark. You fill out one form, and then you get to see different loan offers. This way, you can compare and understand what it would cost to borrow money.

  • ✔ Loans up to 400.000 DKK
  • ✔ Free application

Gratis og uforpligtende ansøgning

Lånebeløb
Løbetid
Månedligt afdrag
3534 kr.

Din er muligvis forkert. Bekræft venligst din e-mailadresse, eller brug en anden.

Låneeksempel:
Lån 30.000 kr., lån tid over 4 år, variabel rente: Mdl. ydelse 780 - 900 kr., debitorrenten 9,95% - 18,95%. ÅOP før skat fra 11,85% - 20,84%. Samlede kreditomkostninger 7.402 - 13.119 kr., og det samlede tilbagebetalte beløb fra 37.402 - 43.119 kr.

ÅOP 4,9-24,9%. Løbetid 1-15 år.

* Det månedlige afdrag beregnes med en rentesats på 5%.
  • Your annual gross income is min. DKK 120.000
  • You must not be registered as a bad payer
  • You must be 18 years of age
Start application
Arcadia Finans

How Much Can You Borrow?

Loans from DKK 25.000 to DKK 500.000

What is the repayment period?

Repayment time can be from 1 to 15 years.

Can I apply online?

You can do the whole process 100% online.

Before you start, it’s good to know some loan words and what they mean in Danish

  • Interest rate – Rente
  • ARP (Annual Percentage Rate) – ÅOP
  • Monthly payment – Månedlig ydelse
  • Set-up fees – Etableringsgebyr
  • Other fees – Andre gebyrer
  • Total cost – Kreditomkostninger
  • Total to pay back – Samlet tilbagebetaling
Apply now

How Much Can You Borrow?

On Arcadia Finans, you can ask for loans from DKK 25.000 to DKK 400.000. But, how much you can actually get depends on your credit – if the bank thinks lending you the full amount is too risky, they might offer you less.

What Kinds of Loans Are There?

You can find several loan types in Denmark:

Secured loans: You need to offer something valuable you own as security, like your house for a mortgage. This makes interest rates lower because it’s less risky for the bank.

Unsecured loans: These don’t need security and include regular loans for things like shopping or cars. Your credit score is important here.

“Kassekredit”: This lets you take out money up to a limit anytime, but it’s usually pricey, so only use it when you really need to.

Guarantor loans: Good if your credit isn’t great. Someone else promises to pay if you can’t, but be careful because it could get them into trouble too.Consolidation loans: These combine all your loans into one, which can make your monthly budget better and life simpler because you only have one loan to think about.

In short, here are the common loans in Denmark:

  • Secured loans
  • Unsecured loans like “forbrugslån” (consumer loans), “privatlån” (private loans)
  • Consolidation loans
  • Overdraft facility (“Kassekredit”)
  • Guarantor loans

What Do You Need to Get a Loan?

To borrow money, you need a Danish CPR number and a “MitID” account, live in Denmark, and be at least 18 years old.

Banks have to check if you’re good for the money (creditworthy).

Usually, banks want you to:

  • Be 18 or older (some might want you to be older, like 20, 21, or 23).
  • Not be on the RKI or Debtor Register as a bad payer, because that makes it hard to borrow.
  • Be living in Denmark.
  • Some regular income from salary or pension
Apply now