KreditNU
- Company typePrivate
- Founded2019
- HeadquartersAarhus, Denmark
- Headcount11–50
- GTM typeB2C
- OfferingServices
KreditNU firmographics
Firmographics- Name
- KreditNU
- Legal name
- Blue Finance Denmark ApS
- Website
- https://kreditnu.dk
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
KreditNU industry classification
Industry- Product category
- Consumer Lending
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where KreditNU is headquartered
LocationHeadquarters
- HQ city
- Aarhus
- HQ country
- Denmark
- HQ region
- Europe
Offices1 record
Markets served
KreditNU business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Establishment Fee (Etableringsgebyr): The primary revenue stream is a 25% establishment fee added to the principal loan amount. This fee is spread across the 24 monthly installments as part of the total repayment. There is no monthly interest charged - the 0% monthly rate combined with the 25% establishment fee creates the cost structure.
- Riverty Invoice Processing: Monthly invoice processing through Riverty for collecting loan repayments from customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Monthly | Consumer loan from 4,000 to 25,000 DKK with 24-month fixed term |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
KreditNU product offering
Product offeringCore offering
KreditNU is a Danish digital consumer lending platform offering personal loans (forbrugslån) between 4,000 and 25,000 DKK, repayable over a fixed 24-month term at 0% monthly interest with a 25% establishment fee added to the principal. Applications are completed fully online via MitID identity verification with no document submission required, and approved loans are disbursed via same-day instant transfer (straksoverførsel) during opening hours.
Product overview
KreditNU is a digital consumer lending platform operated by Blue Finance Denmark ApS, offering a unified portfolio of personal loan products ranging from 4,000 to 25,000 DKK. The core product is the forbrugslån (consumer loan) with 0% monthly interest, a 25% establishment fee, and a fixed 24-month repayment term. This core offering is distributed through multiple product variants including SMS-lån, mikrolån, minilån, mobillån, kviklån, and hurtiglån — all representing the same underlying loan product with different marketing positioning for various customer segments. The platform supplements its lending products with a customer benefit program (Fordelsprogrammet) offering monthly prize drawings. All products feature straksudbetaling (instant transfer) capability, digital-only application via MitID, and creditworthiness assessment as part of the approval process. KreditNU operates under Finanstilsynet supervision regarding anti-money laundering regulations.
Differentiator
Problem solved
Functional benefit
Products and services
- KreditNU Consumer Loan (Forbrugslån) A unified consumer loan product offered between 4,000 and 25,000 DKK with 0% monthly interest, a 25% establishment fee added to the principal, and a fixed 24-month repayment term. Repaid in 24 equal monthly installments with same-day instant transfer (straksoverførsel) for approved applications. Targeted at Danish residents aged 23-70 with stable income, a Danish CPR number, MitID, and no RKI registration, for uses including emergency expenses, bills, vacation, smartphone purchases, housing deposits, dental work, and home repairs.
Quantifiable outcome
- Loans approved during opening hours are transferred via straksoverførsel, typically reaching account within 1 hour
- +2 more outcomes
Companies that use KreditNU
Customer profileNamed customers9 records
Segments1 record
Ideal customer profiles1 record
KreditNU technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
KreditNU partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- RivertyminorRiverty handles monthly invoice processing and collection for loan repayments. Customers receive monthly invoices via email from Riverty with payment amounts and their loan agreement number for bank transfers.
- TrustindexminorTrustindex verifies that customer reviews posted on their Google reviews section come from legitimate customers by confirming the original source of each review.
- Blue Finance Denmark ApScoreParent company. KreditNU is a brand under Blue Finance Denmark ApS (CVR 39824515). The company operates under financial supervision from Finanstilsynet regarding anti-money laundering regulations.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
KreditNU competitors and assessment
Company assessmentBroad incumbents
- Nordax Bank (NOBA): Nordic specialist consumer lender under NOBA Bank Group, offering personal loans across Sweden, Norway, Denmark, and Finland. Larger balance sheet and broader product range make it a relevant scale benchmark.
- Resurs Bank: Nordic consumer and retail finance bank with broad product suite including unsecured consumer loans, credit cards, and retail financing. Larger, regulated bank with a Norwegian parent that competes in the broader Danish/Nordic consumer credit market.
- Bank Norwegian: Norwegian digital bank offering consumer loans, credit cards, and savings across the Nordics including Denmark. A larger, lower-cost funded competitor that pressures Danish small-loan pricing.
- Komplett Bank: Norwegian digital consumer and SMB lender with a Nordic footprint. Offers installment loans online with a digital funnel similar to KreditNU, competing in adjacent geographies.
Regional players
- Instabank: Norwegian digital consumer bank offering personal loans and deposits. Operates primarily in Norway but illustrates the digital-bank small-loan model that could expand into Denmark.
Emerging players
- Sambla: Nordic loan comparison/broker platform operating in Denmark that matches borrowers to consumer-loan offers from multiple lenders. Competes for the same Danish small-loan demand and overlaps in the SEO/content marketing acquisition channel.
- Fellow Finance: Nordic P2P/marketplace lending platform operating across Finland, Sweden, and Denmark. Adjacent in business model (digital consumer credit) and overlapping in Danish small-loan demand via a marketplace rather than balance-sheet lending.
- Lendino: Danish marketplace lending platform connecting SMEs and consumers with investors. Competes for the same Danish digital-borrower audience and content/SEO real estate as KreditNU.
Direct peers
- Ferratum (Multitude): Nordic-rooted digital consumer and small-business lender offering micro-loans and installment credit online. Operates in Denmark with a similar self-service, instant-decision model targeting small-ticket consumer credit.
- Vivus (4Finance): Direct Danish-market competitor offering small-ticket online consumer loans (similar 0% headline / fee-based pricing). Competes head-to-head with KreditNU in the same 4,000-25,000 DKK segment and Danish digital acquisition channels.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
KreditNU social profiles
Digital presenceKreditNU compliance and trust
Trust signalCompliance1 record
KreditNU financial estimates
Financial estimateRevenue estimate
Valuation estimate
KreditNU leadership team
Management profileNumber of profiles
Profiles2 records
KreditNU funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KreditNU M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KreditNU
What does KreditNU do?
KreditNU is a Danish digital consumer lending platform offering personal loans (forbrugslån) between 4,000 and 25,000 DKK, repayable over a fixed 24-month term at 0% monthly interest with a 25% establishment fee added to the principal. Applications are completed fully online via MitID identity verification with no document submission required, and approved loans are disbursed via same-day instant transfer (straksoverførsel) during opening hours.
Is KreditNU a public or private company?
KreditNU is a private company. It is classified as corporate owned and is currently operating.
When was KreditNU founded?
KreditNU was founded in 2019. It employs 11 to 50 people.
Where is KreditNU based?
KreditNU is headquartered in Aarhus, Denmark, in the Europe region.
How does KreditNU make money?
Two revenue lines are on record. Establishment Fee (Etableringsgebyr) is the primary driver. The others are riverty Invoice Processing.
Who are KreditNU's main competitors?
Broad incumbents on record are Nordax Bank (NOBA), Resurs Bank, Bank Norwegian and Komplett Bank. Instabank is listed as a regional player. Emerging players are Sambla, Fellow Finance and Lendino. Direct peers are Ferratum (Multitude) and Vivus (4Finance).
Does KreditNU have an API?
No public API is recorded for KreditNU.
What industry is KreditNU in?
KreditNU's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its SIC code is 6199.