UNO Finans
UNO Finans AS is a Norwegian fintech loan comparison and distribution platform that matches Norwegian and Finnish consumers with offers from 21 partner banks across personal loans, mortgages, refinancing, and credit cards, monetizing via bank referral commissions.
- Company typePrivate
- Founded2019
- HeadquartersOslo, Norway
- Headcount11–50
- GTM typeB2C
- OfferingServices
What UNO Finans does
UNO Finans AS is a Norwegian fintech operating a consumer-facing loan comparison and distribution platform that aggregates offers from 21 partner banks and financial institutions across Norway and Finland. Founded in 2019 and headquartered in Oslo (Tollbugata 11), the company functions as a financial agent that handles the loan application process on behalf of borrowers and presents multiple competing offers so customers can compare rates and choose. Core products include unsecured personal loans (forbrukslån) up to 600,000 NOK with 1-15 year terms, mortgages (boliglån) including specialized products for borrowers without permanent employment, debt consolidation and refinancing, credit card comparison, bridge financing, and an online loan calculator. The technology stack is a self-serve digital platform that routes single applications to multiple lenders, supported by SEO-driven content marketing and Trustpilot-validated consumer trust (4.8/5 across 1,100+ reviews and 150,000+ processed applications).
UNO Finans monetizes exclusively through affiliate commissions and referral fees paid by partner banks and financial institutions; the service is free and obligation-free for consumers. The GTM motion is direct-to-consumer, relying on organic search, educational content, and peer reviews rather than paid media. The platform's distribution relationships span tier-one Nordic banks (Nordea), NOBA Group entities (Bank Norwegian, Nordax), specialist lenders (Bluestep/Enity, Morrow, Lea, InstaBank, TF Bank Nordic, Kraft, Facit, Bank 2), and consumer finance providers (Re:member, Svea, Avida, Thorn). As of February 23, 2026, UNO Finans became a wholly owned subsidiary of Swedish bank group Enity Bank Group AB (Nasdaq Stockholm), following Enity's acquisition of the remaining 51.4% stake for a total transaction value of 578 MSEK. The acquisition reflects the strategic importance of the loan distribution channel, which accounts for approximately 69% of Enity group sales. Disclosed 2025 financials show 289 MNOK in revenue and 98 MNOK in operating profit, indicating a mature, capital-light commission model with strong operating leverage from a lean 11-50 employee base.
UNO Finans firmographics
Firmographics- Name
- UNO Finans
- Legal name
- Uno Finans AS
- Website
- https://unofinans.no
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- UNO Finans AS is a Norwegian fintech loan comparison and distribution platform that matches Norwegian and Finnish consumers with offers from 21 partner banks across personal loans, mortgages, refinancing, and credit cards, monetizing via bank referral commissions.
- Ownership category
- akta.pro rank
UNO Finans industry classification
Industry- Product category
- Consumer Loan Distribution
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
Keywords
Where UNO Finans is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices1 record
Markets served
UNO Finans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Bank commissions and referral fees: UNO Finans acts as a loan distributor, receiving commissions and referral fees from partner banks and financial institutions when customers complete loan applications through their platform. The service is free for consumers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free consumer loan comparison service |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
UNO Finans product offering
Product offeringCore offering
UNO Finans operates as a loan comparison and distribution platform that aggregates offers from 21 partner banks and financial institutions, enabling Norwegian and Finnish consumers to submit a single loan application and receive competing offers. The company handles the application process on behalf of borrowers, distributing applications to multiple banks across products including personal loans, mortgages, refinancing, and credit cards. The service is free and non-binding for consumers, with UNO Finans monetizing through commissions paid by partner banks when loans are originated.
Product overview
UNO Finans operates as a loan comparison and distribution platform that aggregates offers from 21 partner banks and financial institutions. The company offers a unified service covering personal loans (forbrukslån), mortgages (boliglån), refinancing solutions, and credit cards, with specialized products for non-traditional borrowers. Founded in 2019 and headquartered in Oslo, the company functions as a financial agent that handles the loan application process on behalf of borrowers, presenting multiple competing offers to enable informed decision-making. As of February 2026, UNO Finans became a wholly-owned subsidiary of Enity Bank Group AB, strengthening its distribution network which accounts for approximately 69% of the group's sales.
Differentiator
Problem solved
Functional benefit
Products and services
- Forbrukslån (Personal Loans)
Quantifiable outcome
- 4.8 out of 5 Trustpilot score from 1100+ reviews
Companies that use UNO Finans
Customer profileSegments1 record
Ideal customer profiles1 record
UNO Finans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
UNO Finans partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- Bluestep BankcoreBluestep Bank, part of Enity Bank Group AB, partners with UNO Finans to offer mortgage and consumer loan products through the platform. As the parent company of UNO Finans, Bluestep Bank benefits from distribution reach.
- NordeacoreMajor Nordic bank providing loan products through UNO Finans platform for consumer access.
- Bank Norwegian (NOBA Bank Group)coreDigital bank offering consumer loans through UNO Finans comparison platform.
- Morrow BankminorBank providing loan products through UNO Finans platform.
- Nordax Bank (NOBA Bank Group)corePart of NOBA Bank Group, offering loan products through the platform.
- Lea BankminorBank providing loan products through UNO Finans platform.
- Re:memberminorFinancial services provider offering products through UNO Finans platform.
- SveaminorFinancial services company providing loan products through the platform.
- InstaBankminorBank offering loan products through UNO Finans platform.
- TF Bank NordicminorNordic bank providing consumer loans through the platform.
- Kraft BankminorBank providing loan products through UNO Finans platform.
- Avida FinansminorFinancial services company offering products through the platform.
- ThornminorFinancial services provider offering loan products through the platform.
- Facit BankminorBank offering consumer loans through UNO Finans.
- Bank 2minorMutual bank providing loan products through the platform.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
UNO Finans competitors and assessment
Company assessmentDirect peers
- Sambla: Leading Nordic loan comparison platform operating in Sweden, Norway, and Finland, offering personal loans, mortgages, and refinancing aggregation from multiple banks. Closest direct comparable to UNO Finans by business model and geography.
- Lendo: Nordic consumer loan comparison platform active across Sweden, Norway, Denmark, and Finland, aggregating offers from multiple lenders. Directly comparable to UNO Finans in product mix and target customer.
- Zmarta: Nordic price-comparison and loan-distribution platform operating in Sweden, Norway, Denmark, and Finland. Comparable to UNO Finans in offering personal loans, refinancing, and bank aggregation.
- Compricer: Norwegian and Nordic financial product comparison service covering loans, insurance, and banking. Directly competes with UNO Finans in loan comparison and distribution in the Norwegian market.
- Axo Finans: Norwegian loan broker and comparison platform aggregating offers from multiple banks for personal loans and refinancing. Closely comparable in business model and Norwegian consumer focus.
Broad incumbents
- Nordea: Largest Nordic bank and a major UNO Finans partner. Comparable as a broad incumbent lender with overlapping consumer loan and mortgage products, where UNO Finans sits as an alternative distribution channel.
- Bluestep Bank (Enity Bank Group): Specialist Nordic mortgage bank under the same Enity Bank Group that owns UNO Finans. Comparable as a partner/related-party lender that distributes through UNO Finans and competes for the same mortgage customers.
- Bank Norwegian (NOBA Bank Group): Digital consumer bank in the Nordics offering personal loans, credit cards, and deposits. A partner of UNO Finans but also a competing lender, illustrating the overlap between distribution and direct lending in the category.
Others
- TF Bank: Nordic digital consumer and credit card lender active in Norway, Finland, and Sweden. Comparable as a partner bank distributing through UNO Finans while also competing via its own direct channels.
Regional players
- Finansa.no: Norwegian consumer loan broker offering comparison and application services. Comparable as a Norwegian-only aggregator but with smaller scale and a more limited bank network than UNO Finans.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
UNO Finans social profiles
Digital presenceUNO Finans financial estimates
Financial estimateRevenue estimate
Valuation estimate
UNO Finans leadership team
Management profileNumber of profiles
Profiles1 record
UNO Finans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UNO Finans 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 UNO Finans
What does UNO Finans do?
UNO Finans operates as a loan comparison and distribution platform that aggregates offers from 21 partner banks and financial institutions, enabling Norwegian and Finnish consumers to submit a single loan application and receive competing offers. The company handles the application process on behalf of borrowers, distributing applications to multiple banks across products including personal loans, mortgages, refinancing, and credit cards. The service is free and non-binding for consumers, with UNO Finans monetizing through commissions paid by partner banks when loans are originated.
Is UNO Finans a public or private company?
UNO Finans is a private company. It is classified as corporate owned and is currently operating.
When was UNO Finans founded?
UNO Finans was founded in 2019. It employs 11 to 50 people.
Where is UNO Finans based?
UNO Finans is headquartered in Oslo, Norway, in the Europe region.
How does UNO Finans make money?
One revenue line is on record: bank commissions and referral fees.
Who are UNO Finans's main competitors?
Direct peers on record are Sambla, Lendo, Zmarta, Compricer and Axo Finans. Broad incumbents are Nordea, Bluestep Bank (Enity Bank Group) and Bank Norwegian (NOBA Bank Group). TF Bank is listed as an others. Finansa.no is listed as a regional player.
Does UNO Finans have an API?
No public API is recorded for UNO Finans.
What industry is UNO Finans in?
UNO Finans's product category is Consumer Loan Distribution. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking). Its NAICS code is 5223 and its SIC code is 6162.