Scoopr

What Scoopr does

Scoopr AS is a privately held Norwegian loan broker (l\u00e5eformidler) founded in 2020 and headquartered at Karenslyst All\u00e9 2, Oslo. The company operates a direct-to-consumer online refinancing platform that lets Norwegian consumers apply once, authenticate via Norway's national BankID e-identification system, and have a single application simultaneously routed to 13+ partner banks for competitive offers averaging 9,800 NOK of annual savings and roughly 50,000 NOK in total savings per funded customer, with an average two-year reduction in repayment term. The broker scope spans 20,000 to 500,000 NOK with effective interest rates between roughly 4.9% and 24.6%. Adjacent products extend the funnel into a BankID-gated personal-dashboard (Min Scoopr), a free credit-score check (Kredittsjekke seg selv), Gjeldsregisteret debt-overview access, an interest-comparison calculator (Rentesammenligning), and a property-value entry-point.\n\nThe technology stack is integration-led rather than intelligence-led: applications flow through Scoopr's application layer into a multi-bank distribution backbone connecting Avida, Ikano Bank, Instabank, Morrow Bank, Nordax, Remember, Santander, Svea, TFBank, Bank Norwegian, Kraftbank, Lea Bank, and Nordea, with Gjeldsregisteret providing read-only debt data and BankID providing identity. There is no disclosed AI/ML, proprietary model, or patents in the source material. The regulatory perimeter is defined by a l\u00e5eformidlerkonsesjon (loan-broker concession, Finanstilsynet ID 109620) from the Norwegian Financial Supervisory Authority.\n\nScoopr's commercial model is freemium on the consumer side and transactional on the bank side: the service is free to consumers with no obligation to accept any offer, while revenue is generated by commission paid by partner banks on successfully originated refinancings. Distribution relies on SEO-led content marketing, organic search, recurring promotional sweepstakes (e.g. 'Send gjelden din p\u00e5 ferie' with documented prizes of up to 330,331-600,000 NOK), and social proof via 855 Google reviews at 4.8/5 and 367 Trustpilot reviews at 4.7/5. The GTM motion is single-country, direct-to-consumer, and fully digital; headcount is in the 11-50 band with no disclosed funding rounds or external investors in the available source material.

Name

Scoopr

Legal name

Scoopr AS

Website

https://scoopr.no

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Scoopr AS is a Norwegian-licensed loan broker operating a BankID-authenticated, direct-to-consumer refinancing platform that routes a single application to 13+ partner banks for Norwegian consumers to consolidate unsecured debt.

Ownership category

akta.pro rank

Product category

Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

Keywords

• Loan refinancing
• Debt consolidation
• Loan brokerage
• Consumer lending
• Credit comparison

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Others

Revenue model

1. Loan origination commission: Scoopr earns commission fees from partner banks when customers successfully refinance loans through the platform. The service is free for consumers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Scoopr is a Norwegian licensed loan broker (låneformidler) that helps individual consumers refinance and consolidate multiple high-interest consumer loans and credit card debts into a single lower-interest loan. A single digital application, authenticated through BankID, is automatically distributed to 13+ partner banks (including Nordea, Santander, Instabank, Ikano Bank, Bank Norwegian and others) so the customer receives competing offers. Complementary tools provide credit score checks, debt register lookups via Gjeldsregisteret, and interest-rate comparison education.

Product overview

Scoopr is a Norwegian loan comparison and refinancing platform (låneformidler) that operates as a licensed loan broker with concession from Finanstilsynet. The platform's core offering is Refinansiering, which enables users to consolidate multiple unsecured loans and credit card debts into a single, lower-interest loan. The platform sends applications to 13 partner banks automatically. Secondary products include Min Scoopr (personal dashboard with BankID login for credit/debt overview), Gjeldsregisteret (access to Norway's official debt registry), and Kredittsjekke seg selv (free credit score checking). The platform also runs periodic prize drawings (Trekninger) where winners can receive debt relief.

Differentiator

Problem solved

Functional benefit

Products and services

• Refinansiering (Refinancing Service) Scoopr's core refinancing service that allows Norwegian consumers to consolidate multiple high-interest consumer loans and credit card debts into a single, lower-interest loan. Users complete a BankID-authenticated application that is automatically distributed to 13 partner banks for comparison, with approved loan amounts ranging from 20,000 to 500,000 NOK and effective interest rates typically between approximately 4.9% and over 20%.
• Min Scoopr (Personal Dashboard) Personal user dashboard accessible via BankID login that provides Norwegian consumers with credit-score checking, an overview of their unsecured debt via Gjeldsregisteret, and an analysis of their potential savings from refinancing through Scoopr.
• Gjeldsregisteret (Debt Register Access) Service that gives Norwegian consumers access to Norway's official Debt Register (Gjeldsregisteret) so they can view their total unsecured debt, including consumer loans, credit card balances, and revolving credit accounts, in real time.
• Kredittsjekke seg selv (Self Credit Check) Free credit score checking service that allows Norwegian consumers to view their creditworthiness before applying for loans, displaying a credit score on a scale of 1–100 with risk categories ranging from very high risk to very low risk.
• Rentesammenligning (Interest Rate Comparison) Interest rate comparison tool that helps Norwegian consumers understand the difference between nominal and effective interest rates, with calculators that show potential savings from refinancing based on different loan amounts and interest rates.

Quantifiable outcome

• Average savings of 9,800 NOK per year per customer
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

16 partnerships are on record, tiered core.

• AvidacoreChannel Partner/ Reseller/ DistributorNorwegian bank partner that receives loan applications through Scoopr's platform for refinancing and consumer loan products.
• Ikano BankcoreChannel Partner/ Reseller/ DistributorBank partner providing refinancing and consumer loan products through Scoopr's multi-bank comparison platform.
• InstabankcoreChannel Partner/ Reseller/ DistributorBank partner offering refinancing products through Scoopr's platform.
• Morrow BankcoreChannel Partner/ Reseller/ DistributorBank partner providing consumer loan and refinancing products via Scoopr.
• NordaxcoreChannel Partner/ Reseller/ DistributorScandinavian bank partner offering refinancing products through Scoopr's platform.
• RemembercoreChannel Partner/ Reseller/ DistributorNorwegian bank partner providing consumer loan products through Scoopr.
• SantandercoreChannel Partner/ Reseller/ DistributorInternational bank partner with Norwegian operations providing refinancing products through Scoopr.
• SveacoreChannel Partner/ Reseller/ DistributorNordic financial services provider offering loans through Scoopr.
• TFBankcoreChannel Partner/ Reseller/ DistributorBank partner providing consumer credit and refinancing products via Scoopr.
• Bank NorwegiancoreChannel Partner/ Reseller/ DistributorNorwegian digital bank partner offering refinancing products through Scoopr.
• KraftbankcoreChannel Partner/ Reseller/ DistributorNorwegian bank partner providing consumer loans through Scoopr's platform.
• Lea BankcoreChannel Partner/ Reseller/ DistributorNorwegian bank partner offering consumer loan products through Scoopr.
• NordeacoreChannel Partner/ Reseller/ DistributorMajor Scandinavian bank partner providing refinancing options through Scoopr's platform.
• FinanstilsynetcoreOthersNorwegian Financial Supervisory Authority. Scoopr AS holds a lending intermediary license (konsesjon) from Finanstilsynet, organization ID 109620.
• BankIDcoreTechnology or IntegrationNorwegian digital identity system used for secure customer authentication and identity verification on Scoopr's platform.
• GjeldsregisteretcoreTechnology or IntegrationNorwegian Debt Register (Gjeldsregisteret) that provides Scoopr and customers with overview of unsecured debt including consumer loans and credit cards.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Compricer: Compricer is a Nordic comparison platform with Norwegian operations covering loans, insurance, and banking products. It overlaps directly with Scoopr's refinance comparison functionality and its broader financial-product comparison ambitions.
• Zmarta: Zmarta is a Nordic loan broker with Norwegian operations, allowing consumers to compare and refinance consumer loans and credit card debt via a multi-bank application process - the same core proposition as Scoopr.
• Sambla: Sambla is a Nordic loan broker (Norvestor-backed, formerly Schibsted) operating in Norway and Sweden. It directly competes with Scoopr by collecting consumer loan applications and distributing them to multiple partner banks for competitive comparison.
• Finansportalen: Finansportalen is a Norwegian government-backed financial comparison site for banking and insurance products. It is a free comparison alternative that competes with Scoopr for Norwegian consumers searching for refinance options.
• Lendo: Lendo is a pan-Nordic loan broker (Schibsted-owned) with an active Norwegian operation. It offers the same multi-bank consumer loan comparison model as Scoopr, targeting Norwegian consumers seeking refinancing and personal loans.

Others

• Tink: Tink is a Visa-owned European open-banking platform providing account aggregation and PSD2 connectivity. It enables banks and fintechs (including loan brokers like Scoopr) to access consumer financial data, sitting upstream of Scoopr's comparison flow.
• Instantor: Instantor is a Nordic provider of open-banking and credit-decisioning data used by lenders to assess applicants. It is adjacent to Scoopr as enabling infrastructure for the same consumer-credit ecosystem rather than a direct consumer-facing broker.

Emerging players

• Insplanet: Insplanet is a Nordic insurance and financial product comparison platform. It is relevant as a peer in Scoopr's stated expansion into insurance and mobile subscription switching, with overlapping target customers and a similar comparison-driven GTM motion.

Broad incumbents

• Santander Consumer Bank: Santander Consumer is a Norwegian-licensed bank offering consumer loans, credit cards, and refinancing. It is a partner of Scoopr but also a broad incumbent that competes for the same Norwegian refinance customers through its own direct channels.
• Bank Norwegian: Bank Norwegian is one of Scoopr's partner banks and a major Norwegian digital bank offering direct consumer loans and credit cards. As both a supplier (via commissions) and a potential competitor, it represents the disintermediation risk that could compress Scoopr's role.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks3 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Scoopr