Lending software for Norway

A market where BankID signs the loan and the debt register is checked before every consumer credit decision. lendhero arrives with Gjeldsregisteret, BankID and Straksbetaling already connected, so your team configures products instead of plumbing.

See the local stack
  • NOK (kr)
  • Norwegian, English
  • 12 local connectors
  • 1–2 weeks to launch

Hei, Ingrid

Approved50 000 kr

763

Credit score

On-time payments

Monthly payment1 230 kr

Market profile

Norway at a glance

What lendhero is set up for in Norway before your team logs in.

Currency

NOK (kr)

Languages

Norwegian, English

Supervisor

Finanstilsynet

Credit data

Gjeldsregisteret, Experian Norway

Payout rails

Straksbetaling, Vipps

Data protection

GDPR and the Personal Data Act

12
local connectors wired in before kickoff
NOK
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Norwegian, English

Working with borrowers in Norway

Tools for every borrower conversation

Borrowers in Norway apply, sign, pay and come back for repeat loans in Norwegian and NOK.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Sinch automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSinch
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Norwegian.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Ingrid · Consumer loan, 6 months · 50 000 kr

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Norway stack, connected before kickoff.

lendhero ships with the connectors lenders in Norway use every day, from Gjeldsregisteret to AvtaleGiro. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • GGjeldsregisteret
    • EExperian Norway
  • Identity & KYC2 connectors
    • BBankID
    • SSignicat
  • Bank & alternative data2 connectors
    • NNeonomics
    • TTink
  • Disbursement rails2 connectors
    • SStraksbetaling
    • VVipps
  • Repayments & collections2 connectors
    • AAvtaleGiro
    • VVipps
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • BBankID
    • SSignicat

Checks and payments

Who borrows and how money moves in Norway

Applicants are checked with Gjeldsregisteret and Experian Norway, and money moves via Straksbetaling and Vipps.

Client checks

Checks connected in Norway:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationBankID, SignicatPass
  • Credit bureausGjeldsregisteret, Experian NorwayPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataNeonomics, TinkReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Norway:

DisbursementStraksbetaling, Vipps in NOK
RepaymentAvtaleGiro, Vipps
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Straksbetaling
  • Vipps
  • AvtaleGiro

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in NOK are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

50 000 kr

On track
Auto-calculated · 200+ parametersManual edit
Repaid 17 830 kr of 53 500 kr2 of 6 payments
DateAmountStatus
Sep 48 920 krPaid
Oct 48 920 krPaid
Nov 48 920 krDue in 7 days
Dec 48 920 krUpcoming
Jan 48 920 krUpcoming
Reminder sentYour payment of 8 920 kr is due Nov 4

Loan flow

How a loan runs in Norway. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in Norwegian and English.
  2. 02VerifyIdentity and documents are checked through BankID and Signicat.
  3. 03DecideScorecards pull Gjeldsregisteret and Experian Norway data and return a decision in seconds.
  4. 04DisburseFunds go out via Straksbetaling or Vipps in NOK, straight after signing.
  5. 05CollectRepayments arrive via AvtaleGiro and Vipps, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

50 000 kr

Next payment

8 920 kr · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

IngridVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Norway launch on .

Consumer instalment loansForbrukslån with Gjeldsregisteret checks.
Business lendingLoans for SMEs on bank data.
Auto financingCar loans and leasing, including EVs.

Compliance

Configured for Finanstilsynet and GDPR and the Personal Data Act.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Norway.

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR and the Personal Data Act requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR and the Personal Data Act.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for Finanstilsynet rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Northern Europe

All Europe markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Norway?+

Yes. The platform is set up for NOK, Norwegian and English and Finanstilsynet requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Norway?+

Gjeldsregisteret, Experian Norway. On top of that, identity checks run through BankID and Signicat and bank data comes from Neonomics and Tink.

How do borrowers get paid and repay?+

Payouts go out via Straksbetaling and Vipps in NOK. Repayments arrive via AvtaleGiro and Vipps, with reminders over WhatsApp Business and Sinch.

How long does a launch in Norway take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 12 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Norway? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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