Finansa
Finansa is a Norwegian loan broker that distributes consumer loan applications—primarily car loans—across a network of 15+ partner lenders, earning commissions on originated loans within the Zmarta Group.
- Company typePrivate
- Founded1999
- HeadquartersOslo, Norway
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Finansa does
Finansa is a Norwegian consumer-finance intermediary operating under the Zmarta AS legal entity, headquartered at St. Olavs Gate 28, Oslo. The firm functions as a loan broker focused on car financing (billån) and operates as part of a broader Zmarta Group portfolio that includes Centum, axofinans, zmarta, and uscore. Customers submit a single loan application through Finansa's web portal, which is then distributed to a network of more than 15 partner lenders—including Santander, Nordea Direct, Nordax Bank, Ikanobank, Remember, and Morrow—who return competing offers for the consumer to compare.
The underlying platform is a web-based loan application aggregation and comparison service. Beyond car loans, the broader Centum/Finansa product surface covers personal loans (forbrukslån) up to 600,000 NOK unsecured, debt consolidation and refinancing of existing credits, unsecured loans, small loans, and credit card comparison. Operational features referenced include co-applicants for car loans and BankID-based digital signing, reflecting standard Norwegian consumer-finance infrastructure rather than proprietary technology. No APIs, SDKs, or AI/ML components are disclosed; the technology stack is described simply as "loan aggregation and comparison platform."
Finansa makes money purely through commissions paid by partner lenders upon successful loan origination, an affiliate/referral revenue model. The service is free to consumers, and Finansa does not itself underwrite or hold credit risk. Customer segments are Norwegian individual borrowers, including over-indebted consumers seeking refinancing. Distribution is exclusively digital self-service (website plus phone support) and limited to a single-country (Norway) market. The firm reports having served more than 1 million cumulative customers since its 1999 founding and operates with a small employee base (11–50), consistent with a lean brokerage model.
Finansa firmographics
Firmographics- Name
- Finansa
- Legal name
- Zmarta AS
- Website
- https://finansa.no
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Finansa is a Norwegian loan broker that distributes consumer loan applications—primarily car loans—across a network of 15+ partner lenders, earning commissions on originated loans within the Zmarta Group.
- Ownership category
- akta.pro rank
Finansa industry classification
Industry- Product category
- Consumer Loan Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Personal Loan Refinance (Rate/Term) (FSAKAIAB)
- akta.pro secondary industries
- Balance Transfer & Credit Card Refinance Loans (FSAKAIAA), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where Finansa is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices1 record
Markets served
Finansa business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Commission from lenders: Centum Finans operates as a loan broker earning commissions from partner lenders when customers successfully secure loans through their platform. The service is provided free of charge to customers.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Finansa product offering
Product offeringCore offering
Centum Finans is a Norwegian loan broker that operates a single-application comparison platform, sending one borrower application to a network of more than 15 partner lenders and returning competing offers for personal loans (forbrukslån) up to 600,000 NOK unsecured, debt consolidation/refinancing of existing loans and credit card balances, car loans (billån) with up to 10-year terms, unsecured loans, small loans, and credit cards. The service is free for consumers, with the company earning referral commissions from partner lenders when loans are originated.
Product overview
Centum Finans operates as a loan broker platform that connects borrowers with over 15 partner lenders including Santander, Ikanobank, Remember, Nordea Direct, Morrow, and Nordax Bank. The platform functions as a comparison and application aggregation service with a single-entry point for customers. Core products include Forbrukslån (personal loans up to 600,000 NOK without security), Refinansiering (debt consolidation), Billån (car loans with up to 10-year repayment terms), Lån uten sikkerhet (unsecured loans), Smålån (small loans), and Kredittkort (credit card comparison). The platform acts as an intermediary, forwarding a single customer application to multiple lenders for comparison, with no cost to the customer.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Save thousands of Norwegian kroner through better loan terms
Companies that use Finansa
Customer profileSegments2 records
Ideal customer profiles3 records
Finansa technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Finansa partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- SantandercoreSantander is one of the partner lenders in Centum Finans' network, providing loan products to customers who apply through the Centum platform.
- IkanobankcoreIkanobank is listed as a partner lender offering loan products through Centum Finans' comparison platform.
- RemembercoreRemember is a partner lender in Centum's network providing loan options to customers.
- Nordea DirectcoreNordea Direct is a partner lender in the Centum Finans network, offering competitive loan products through the platform.
- MorrowcoreMorrow is a partner lender in Centum's network providing loan products for customers.
- Nordax BankcoreNordax Bank (NOBA) is a partner lender offering loan products through the Centum Finans platform.
Scale indicators3 records
Recent moves4 records
Expansion highlights4 records
Finansa competitors and assessment
Company assessmentBroad incumbents
- Resurs Bank: Resurs Bank is a Nordic consumer and retail finance lender operating in Norway through partnerships with retailers and brokers. It functions as one of Centum's partner lenders while also distributing directly, making it a broad incumbent in the consumer lending supply stack.
- Bank Norwegian: Bank Norwegian is a direct digital consumer lender in Norway offering personal loans, credit cards, and savings accounts. As a Norwegian-headquartered lender, it operates both as a Centum partner lender and a direct competitor to Centum's broker customers.
- Check24: Check24 is Germany's largest multi-category comparison platform, extending into loans, insurance, and banking. While not present in Norway, it is a useful strategic precedent for the European loan comparison aggregator model and is comparable to Centum at a regional level.
Direct peers
- Lendo: Lendo is a Nordic loan broker active in Norway, operating a comparison platform that distributes loan applications to multiple banks. It is a direct competitor in the Norwegian consumer loan and refinancing brokerage market.
- Kompar.no: Kompar is a Norwegian comparison platform that aggregates personal loans, refinancing, and credit card offers from multiple lenders. It competes directly with Centum Finans on SEO-driven loan comparison traffic in Norway.
- Zmarta: Zmarta.no is a sister brand within the Zmarta Group and operates a Norwegian loan comparison and personal loan brokerage service. It is a directly comparable loan broker with overlapping product offerings (personal loans, refinancing, car loans) and the same parent entity.
- Axo Finans: Axo Finans is another sister brand under the Zmarta Group, offering loan comparison and brokerage services in Norway. It targets similar consumer segments and competes in the same keywords as Centum, sharing the same corporate infrastructure.
- Sambla: Sambla is a leading Nordic loan broker operating in Norway, Sweden, and Finland, connecting consumers with multiple lenders via a single application. It directly competes head-to-head with Centum Finans on Norwegian consumer loan and refinancing comparison.
Others
- Santander Consumer Bank (Norway): Santander is a named partner lender in Centum's network, providing personal loan products through the platform. As a major Nordic bank, it is a supplier of loan supply to Centum and a key relationship that anchors the 15+ lender network.
- Nordax Bank (NOBA): Nordax Bank is a Nordic specialist lender offering personal loans through broker channels, including Centum Finans. It is a key supplier of loan inventory to Centum's platform and operates extensively in the Norwegian broker-distributed lending market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key highlights7 records
Customer concentration
Finansa social profiles
Digital presenceFinansa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finansa leadership team
Management profileNumber of profiles
Finansa funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finansa 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 Finansa
What does Finansa do?
Centum Finans is a Norwegian loan broker that operates a single-application comparison platform, sending one borrower application to a network of more than 15 partner lenders and returning competing offers for personal loans (forbrukslån) up to 600,000 NOK unsecured, debt consolidation/refinancing of existing loans and credit card balances, car loans (billån) with up to 10-year terms, unsecured loans, small loans, and credit cards. The service is free for consumers, with the company earning referral commissions from partner lenders when loans are originated.
Is Finansa a public or private company?
Finansa is a private company. It is classified as corporate owned and is currently operating.
When was Finansa founded?
Finansa was founded in 1999. It employs 11 to 50 people.
Where is Finansa based?
Finansa is headquartered in Oslo, Norway, in the Europe region.
How does Finansa make money?
One revenue line is on record: commission from lenders.
Who are Finansa's main competitors?
Broad incumbents on record are Resurs Bank, Bank Norwegian and Check24. Direct peers are Lendo, Kompar.no, Zmarta, Axo Finans and Sambla. Others are Santander Consumer Bank (Norway) and Nordax Bank (NOBA).
Does Finansa have an API?
No public API is recorded for Finansa.
What industry is Finansa in?
Finansa's product category is Consumer Loan Brokerage. Its primary akta.pro industry code is FSAKAIAB, Personal Loan Refinance (Rate/Term), with a secondary code of FSAKAIAA, Balance Transfer & Credit Card Refinance Loans. Its NAICS code is 52231 and its SIC code is 6163.