Motty
- Company typePrivate
- Founded1985
- HeadquartersOslo, Norway
- Headcount11–50
- GTM typeB2C
- OfferingServices
Motty firmographics
Firmographics- Name
- Motty
- Legal name
- Motty AS
- Website
- https://telefinans.no
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Motty industry classification
Industry- Product category
- Consumer Loan Comparison and Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)
- akta.pro secondary industry
- Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)
Keywords
Where Motty is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices1 record
Markets served
Motty business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Referral/Brokerage Fees: Motty provides free loan comparison services to consumers and earns revenue by referring customers to partnered banks. Banks compete to offer rates, and Motty acts as an intermediary that drives customer acquisition for the lenders at no cost to the borrower.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free consumer services |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Motty product offering
Product offeringCore offering
Motty operates a free Norwegian loan comparison portal that aggregates unsecured consumer loans (5,000-500,000 NOK), debt refinancing, credit card offers, and home equity loans (up to 10 million NOK, 30-year terms) from a network of 20+ partner banks, and refers applicants to the lender offering the lowest rate. The company earns revenue through referral fees from partner banks rather than charging borrowers, and supplements the core comparison service with phone-based advisor support, a restart-loan product for financially distressed customers, financial-cleanup advisory, and online loan calculators.
Product overview
Motty operates a loan aggregation and comparison platform that functions as an intermediary between consumers and a network of over 20 Norwegian banks. The core offering is a multi-product financial services marketplace encompassing unsecured consumer loans (Forbrukslån), debt refinancing solutions (Refinansiering), credit card comparison services, and secured home equity loans (Sikkerhet i Bolig) with amounts up to 10 million and 30-year terms. The platform differentiates through a competitive lending process where multiple banks bid to offer the lowest rate. Supporting the core products are financial advisory tools including a restart loan product (Omstartslån) for customers facing financial difficulties, a general economic assistance service, and a suite of loan calculators (Forbrukslånskalkulator, Kredittkortkalkulator, Boliglånskalkulator) to help customers estimate costs before applying.
Differentiator
Problem solved
Functional benefit
Products and services
- Forbrukslån (Consumer Loans) Unsecured personal loans for Norwegian consumers' short-term financial needs, ranging from 5,000 to 500,000 NOK, sourced through Motty's network of 20+ partner banks that compete to offer each applicant the lowest interest rate.
- Refinansiering (Refinancing) Debt consolidation and refinancing service that allows Norwegian consumers to roll up existing loans (with or without home-equity collateral) into a single facility through Motty's partner banks, targeting lower interest rates and reduced monthly payments.
- Kredittkort (Credit Cards) Credit card comparison and application service offering access to card products from Norwegian partner banks with credit lines up to 150,000 NOK.
- Sikkerhet i Bolig (Home Equity Loans) Secured loans using Norwegian residential property as collateral, with loan amounts up to 10 million NOK and repayment terms up to 30 years, sourced through Motty's partner banks.
- Omstartslån (Restart Loans) Specialized home-equity loan product under Sikkerhet i Bolig designed to help Norwegian consumers in financial difficulty restart their financial situation.
- Økonomisk Hjelp (Financial Assistance) Advisory service helping Norwegian consumers resolve debt issues, remove debt collection records, and clear adverse credit remarks, typically in conjunction with Motty's refinancing products.
- Forbrukslånskalkulator (Personal Loan Calculator) Online calculator tool that estimates consumer loan costs, monthly payments, and effective interest rates to help Norwegian users plan borrowing before applying.
- Kredittkortkalkulator (Credit Card Calculator) Online calculator tool that helps Norwegian users compare credit card costs and understand how interest accrues on card balances.
- Boliglånskalkulator (Mortgage Calculator) Online calculator tool that estimates mortgage payments and total loan costs for Norwegian home-equity borrowing scenarios.
Quantifiable outcome
- 20+ banks compete to offer the lowest rate to each customer
Companies that use Motty
Customer profileSegments1 record
Ideal customer profiles4 records
Motty technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Motty partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core.
- Thorn Privat FinanscoreOne of over 20 partnered banks providing consumer loan products through Motty's comparison platform. Banks compete to offer rates to referred customers.
- TF BankcorePartnered bank offering loan products through Motty's platform, competing with other lenders to serve referred customers.
- Svea FinanscorePartnered bank providing loan products through Motty's comparison platform.
- Santander Consumer BankcorePartnered bank offering consumer loan products through Motty's platform.
- Resurs BankcorePartnered bank providing loan products through Motty's comparison platform.
- NystartslånetcorePartnered bank offering loan products through Motty's platform.
- NordeacoreMajor Norwegian bank partnered with Motty, providing loan products through the comparison platform.
- Nordax BankcorePartnered bank offering loan products through Motty's platform.
- Bank2corePartnered bank providing loan products through Motty's comparison platform.
- Morrow BankcorePartnered bank offering loan products through Motty's platform.
- Bluestep BankcorePartnered bank providing loan products through Motty's comparison platform.
- Kraft BankcorePartnered bank offering loan products through Motty's platform.
- InstabankcorePartnered bank providing loan products through Motty's comparison platform.
- Ikano BankcorePartnered bank offering loan products through Motty's platform.
- Bank NorwegiancorePartnered bank providing loan products through Motty's comparison platform.
- Avida FinanscorePartnered bank offering loan products through Motty's platform.
- YA-LånetcorePartnered bank providing loan products through Motty's comparison platform.
- Balanse BankcorePartnered bank offering loan products through Motty's platform.
- RemembercorePartnered bank providing loan products through Motty's comparison platform.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
Motty competitors and assessment
Company assessmentDirect peers
- Sammenlign.no: Norwegian price and product comparison site covering loans, insurance and banking products. A direct competitor in Norwegian consumer loan comparison with a similar referral-driven revenue model.
- Sambla: Nordic loan and refinance comparison platform operating in Norway with a very similar multi-bank aggregation model. Directly competes for the same Norwegian consumer borrower seeking refinancing and consumer loans.
- Zmarta: Nordic loan comparison service active in Norway that aggregates offers from multiple banks for consumer loans and refinancing. Closely overlaps Motty's product mix and customer base.
- Lendo: Norwegian loan comparison portal connecting borrowers to multiple lenders for consumer loans and refinancing. Operates an essentially identical broker/aggregator model to Motty in the same market.
- Compricer (Schibsted): Norwegian loan and insurance comparison service, part of a Nordic comparison group, that aggregates offers from Norwegian banks for consumer borrowing. Comparable aggregator model and target audience.
Emerging players
- Bank Norwegian: Norwegian digital bank and one of Motty's bank partners that also originates consumer loans directly to consumers via its own site. A direct lender adjacent to Motty that could disintermediate the broker model.
- Instabank: Norwegian digital bank offering consumer loans through its own platform and as a Motty partner. Overlaps in product and customer while remaining a partner rather than a direct aggregator peer.
- Nordax Bank: Nordic consumer and SME lender operating in Norway as one of Motty's bank partners, offering unsecured loans directly. A partner today but a potential competitor if it deepens its own digital acquisition channel.
Regional players
- Savelend: Nordic consumer lending marketplace (Swedish-founded) operating across Scandinavia. Comparable multi-lender marketplace model but primary geography outside Norway.
- Finansportalen: Norwegian government-affiliated financial product comparison site run by the Norwegian Consumer Council. Provides loan and bank product comparisons that overlap with Motty's offering to Norwegian consumers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Motty social profiles
Digital presenceMotty financial estimates
Financial estimateRevenue estimate
Valuation estimate
Motty leadership team
Management profileNumber of profiles
Motty funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Motty 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 Motty
What does Motty do?
Motty operates a free Norwegian loan comparison portal that aggregates unsecured consumer loans (5,000-500,000 NOK), debt refinancing, credit card offers, and home equity loans (up to 10 million NOK, 30-year terms) from a network of 20+ partner banks, and refers applicants to the lender offering the lowest rate. The company earns revenue through referral fees from partner banks rather than charging borrowers, and supplements the core comparison service with phone-based advisor support, a restart-loan product for financially distressed customers, financial-cleanup advisory, and online loan calculators.
Is Motty a public or private company?
Motty is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Motty founded?
Motty was founded in 1985. It employs 11 to 50 people.
Where is Motty based?
Motty is headquartered in Oslo, Norway, in the Europe region.
How does Motty make money?
One revenue line is on record: referral/Brokerage Fees.
Who are Motty's main competitors?
Direct peers on record are Sammenlign.no, Sambla, Zmarta, Lendo and Compricer (Schibsted). Emerging players are Bank Norwegian, Instabank and Nordax Bank. Regional players are Savelend and Finansportalen.
Does Motty have an API?
No public API is recorded for Motty.
What industry is Motty in?
Motty's product category is Consumer Loan Comparison and Brokerage. Its primary akta.pro industry code is FSAGAIAJ, Marketplace / Multi-Lender POS Financing Aggregators, with a secondary code of FSAKAIAD, Multi-Loan / Multi-Creditor Consolidation Loans. Its NAICS code is 52231 and its SIC code is 6163.