Billigeforbrukslan
Billigeforbrukslan is a Norwegian consumer loan comparison portal operated by Leading Web Solutions A/S in Stavanger, serving Norwegian retail borrowers by aggregating Forbrukslån, Refinansiering, and Smålån offerings from approximately 40 partner banks.
- Company typePrivate
- Founded2014
- HeadquartersStavanger, Norway
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Billigeforbrukslan does
Billigeforbrukslan is a Norwegian consumer loan comparison portal operated by Leading Web Solutions A/S, a Norwegian private limited company headquartered in Stavanger. The platform was founded in 2011 (with some sources citing 2014) and serves Norwegian retail consumers seeking to compare and apply for personal loans, refinancing, and small loans. It aggregates offerings from approximately 40 Norwegian banks and financial services providers, presenting borrowers with a single point of comparison across product categories that include Forbrukslån (consumer loans), Refinansiering (refinancing), and Smålån (small loans).
The platform is built as a standard web-based comparison and lead-generation site. Its core technical components consist of a partner bank listing, product categorization, and an embedded Lånekalkulator (loan calculator) that supports consumer decision-making. To date, the platform has processed approximately 11,200 loan applications with an average loan size of 140,000 NOK. The company holds a 4.5/5 Trustpilot rating, reflecting consumer-side trust in the comparison service. Headcount is small, reported in the 1–10 employee range, consistent with a lean operating model.
The business model is affiliate/lead-generation based: the platform earns commission from partner banks for loan applications referred through the portal. No subscription pricing, enterprise contracts, or direct lending activity is disclosed. The company operates exclusively in Norway and has not announced geographic, product, or capital expansion. No funding rounds, acquisitions, or material strategic pivots have been disclosed in the available data, and there are no indications of proprietary AI/ML capabilities or data flywheel mechanics underlying the comparison service.
Billigeforbrukslan firmographics
Firmographics- Name
- Billigeforbrukslan
- Legal name
- Leading Web Solutions A/S
- Website
- https://xn--billigeforbruksln-orb.no
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Billigeforbrukslan is a Norwegian consumer loan comparison portal operated by Leading Web Solutions A/S in Stavanger, serving Norwegian retail borrowers by aggregating Forbrukslån, Refinansiering, and Smålån offerings from approximately 40 partner banks.
- Ownership category
- akta.pro rank
Billigeforbrukslan industry classification
Industry- Product category
- Consumer lending comparison
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Short-Term Credit Broking & Lead Generation (FSAKAMAN)
- akta.pro secondary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where Billigeforbrukslan is headquartered
LocationHeadquarters
- HQ city
- Stavanger
- HQ country
- Norway
- HQ region
- Europe
Offices1 record
Markets served
Billigeforbrukslan business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations
Revenue model
- Commission from partner banks: Billigeforbrukslån.no operates as a comparison portal and receives commission from partner banks when users are referred and complete loan applications. This is disclosed as a commercial relationship where the company videresender (forwards) users to collaborating banks in exchange for compensation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | — | Free consumer comparison service |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Billigeforbrukslan product offering
Product offeringCore offering
Billigeforbrukslan.no is a Norwegian online comparison and lead-generation portal for unsecured consumer loans (forbrukslån), refinancing (refinansiering), and small loans (smålån/SMS lån). It aggregates offers from approximately 21-40 partner banks so that individual consumers can submit a single non-binding application distributed to multiple lenders, compare effective interest rates including fees, and digitally sign agreements with BankID. The portal does not lend its own capital; it earns commissions from partner banks when referred users complete loan applications.
Product overview
Billigeforbrukslan.no is a Norwegian consumer finance comparison portal operated by Leading Web Solutions A/S. The platform aggregates and compares unsecured personal loans, refinancing options, and small loans from approximately 40 partner banks and financial services. Users can compare interest rates, terms, fees, and eligibility requirements across multiple lenders through a single interface. The service acts as a loan broker, submitting applications to partner banks and providing tools like loan calculators to help users find suitable financing options. The platform covers loan amounts from 1,000 to 600,000 NOK with repayment terms up to 20 years for refinancing.
Differentiator
Problem solved
Functional benefit
Products and services
- Forbrukslån (Consumer Loans) comparison A free comparison and single-application distribution service for unsecured Norwegian personal loans (forbrukslån), aggregating offers from approximately 21-40 partner banks including UNO Finans, Lendo, Axo Finans, Bank Norwegian, Santander, Sambla, Zensum, Nano Finans, Motty, and KlikkLån, with loan amounts ranging from 1,000 to 600,000 NOK and effective interest rates from 5.00% upwards. It is for Norwegian residents seeking unsecured consumer loans for purposes such as debt consolidation, unexpected expenses, home renovation, vacation financing, and consumer purchases.
- Refinansiering (Refinancing) comparison A free comparison and lead-generation service that helps Norwegian consumers consolidate multiple existing loans, credit card debt, and billån (consumer credit) into a single refinancing loan with repayment terms up to 20 years. Aimed at individuals with multiple debts seeking lower total interest costs and a single monthly payment.
- Smålån (Small Loans) comparison A free comparison service for Norwegian small personal loans (smålån), including SMS lån up to 10,000 NOK with short repayment periods and small loans typically under 50,000 NOK, distributed through partner lenders/brokers such as KlikkLån. Targeted at consumers seeking smaller short-term unsecured loans that typically carry higher interest rates.
Quantifiable outcome
- Average effective interest rate for customers using the service is approximately 11%
- +1 more outcomes
Companies that use Billigeforbrukslan
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles1 record
Billigeforbrukslan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Billigeforbrukslan partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- UNO FinanscorePartner bank offering unsecured loans through the platform. Loans range from 10,000 to 600,000 kr with effective interest rates from 5.00%. Established as one of the featured 'best rate' options on the platform. Sends applications to 21 banks for comparison.
- LendocoreLoan broker partner collaborating with 26 banks for unsecured loans. Featured prominently on the platform with positive customer reviews (4.7/5 rating). Offers loans with effective rates from 5.33%.
- Axo FinanscoreNorway's largest financial agent according to the platform. Collaborates with 25 banks for consumer loans. Featured as a comparison option with good customer service.
- Bank NorwegianminorPartner bank offering unsecured loans with competitive rates. Provides own app for spending control. Featured as one of the loan options on the platform.
- Santander Consumer BankminorOne of Europe's largest consumer finance banks. Offers unsecured loans up to 400,000 kr through the platform. Featured with competitive rates starting from 8.20% effective.
- SamblaminorPartner bank that retrieves offers from 21 banks for consumer loans. Featured with low income requirements and loans from 5,000 to 500,000 kr.
- ZensumminorPartner lender offering low interest rates on loans with no establishment or term fees. Featured as a competitive option with 0 kr fees.
- Nano FinansminorPartner collaborating with 23 lenders for various loan types including boat loans, car loans, micro loans, and consumer loans. Featured as a multi-product lender.
- MottyminorPartner lender with good selection of partner banks and customer center advisors. Offers loans from 25,000 to 600,000 kr.
- KlikkLånminorPartner lender offering smaller loan amounts from 10,000 to 150,000 kr with efficient application processing and payout within 0-2 days.
Scale indicators6 records
Recent moves5 records
Billigeforbrukslan competitors and assessment
Company assessmentDirect peers
- Finansportalen: Finansportalen is a Norwegian public/independent consumer finance comparison portal operated under Forbrukerrådet. It offers comparison of bank products including consumer loans, serving the same Norwegian consumer audience and competing for the same organic SEO and comparison-intent traffic.
- Lendo: Lendo is a Nordic loan broker (active in Norway, Sweden, Finland) that aggregates unsecured personal loan offers from 20+ banks. It is both a direct competitor to Billigeforbrukslån.no and a featured partner on the platform — the most comparable single business in the Norwegian consumer loan brokerage category.
- Axo Finans: Axo Finans describes itself as Norway's largest financial agent and partners with 25 banks for consumer loans. It is a direct head-to-head competitor in the Norwegian forbrukslån comparison/aggregation category.
- Nano Finans: Nano Finans is a Norwegian financial agent aggregating offers from 23 lenders across consumer, car, boat, and micro loans. It targets the same Norwegian consumer credit comparison audience with a multi-product lending aggregator model.
- Zensum: Zensum is a Swedish-founded consumer loan broker with Norwegian operations, aggregating offers from multiple lenders and emphasizing low-fee products. It directly competes in the same Norwegian unsecured personal loan aggregation category.
- Sambla: Sambla (formerly Sambla Group) is one of the largest Nordic loan brokers, operating in Norway and Sweden, that helps consumers refinance and apply for personal loans through a single application across multiple banks. It serves the same Norwegian consumer segment with the same multi-bank aggregation model.
Regional players
- Resurs Bank: Resurs Bank is a Nordic consumer and retail finance specialist operating in Norway, Sweden, Finland, and Denmark. It offers consumer loans and point-of-sale financing and competes with the same Norwegian personal loan aggregator ecosystem.
Broad incumbents
- Instabank: Instabank is a Norwegian digital consumer bank offering unsecured personal loans and savings products directly. It is both a direct D2C competitor to aggregator channels and a partner bank featured on Norwegian loan comparison portals.
- Santander Consumer Bank (Norway): Santander Consumer Bank operates a Norwegian consumer finance business offering unsecured loans up to 400,000 NOK. As one of Europe's largest consumer finance banks and a featured partner on Billigeforbrukslån.no, it represents the bank-side incumbent competing for the same Norwegian personal loan demand.
- Komplett Bank: Komplett Bank is a Norwegian digital bank offering consumer loans, savings, and refinancing directly to consumers. It is both a competing lender and a frequent partner bank on Norwegian aggregation platforms like Billigeforbrukslån.no.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Billigeforbrukslan social profiles
Digital presenceBilligeforbrukslan financial estimates
Financial estimateRevenue estimate
Valuation estimate
Billigeforbrukslan leadership team
Management profileNumber of profiles
Billigeforbrukslan funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Billigeforbrukslan 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 Billigeforbrukslan
What does Billigeforbrukslan do?
Billigeforbrukslan.no is a Norwegian online comparison and lead-generation portal for unsecured consumer loans (forbrukslån), refinancing (refinansiering), and small loans (smålån/SMS lån). It aggregates offers from approximately 21-40 partner banks so that individual consumers can submit a single non-binding application distributed to multiple lenders, compare effective interest rates including fees, and digitally sign agreements with BankID. The portal does not lend its own capital; it earns commissions from partner banks when referred users complete loan applications.
Is Billigeforbrukslan a public or private company?
Billigeforbrukslan is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Billigeforbrukslan founded?
Billigeforbrukslan was founded in 2014. It employs 1 to 10 people.
Where is Billigeforbrukslan based?
Billigeforbrukslan is headquartered in Stavanger, Norway, in the Europe region.
How does Billigeforbrukslan make money?
One revenue line is on record: commission from partner banks.
Who are Billigeforbrukslan's main competitors?
Direct peers on record are Finansportalen, Lendo, Axo Finans, Nano Finans, Zensum and Sambla. Resurs Bank is listed as a regional player. Broad incumbents are Instabank, Santander Consumer Bank (Norway) and Komplett Bank.
Does Billigeforbrukslan have an API?
No public API is recorded for Billigeforbrukslan.
What industry is Billigeforbrukslan in?
Billigeforbrukslan's product category is Consumer lending comparison. Its primary akta.pro industry code is FSAKAMAN, Short-Term Credit Broking & Lead Generation, with a secondary code of FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 52231 and its SIC code is 6163.