Loan with payment remarks (lån med betalingsanmerkning) – A how to guide

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Debt problems are not limited to any specific place in the world. In many countries, you will find people who are struggling with paying down their loans. Given the ubiquity of this issue, we are launching a new series to cover a range of countries to explain different alternatives for resolving it by getting a loan with payment remarks. 

First out is Norway, and there a loan with payment remarks is called “Lån med betalingsanmerkning”. We will tailor each article in this series to the people living in each country we’re featuring, since it’s mainly for this group that we write each post. 

What are the differences between a normal loan and a loan with payment remarks?

When speaking of loans with payment remarks, it’s natural to juxtapose it with consumer loans, as opposed to mortgages and car loans and so on, given the similar areas of use for the former. 

Normal consumer loans are loans you can apply for and use on anything you want. They usually have comparatively high interest rates in relation to mortgages and car loans, and are given without the need for collateral – the bank’s way of making sure they’ll get their money back in case you’re not able to pay down the loan. 

Lån med betalingsanmerkning (a loan with payment remarks) is a loan that’s given to people who have payment remarks. For these loans, you usually have to put up your home or other property as collateral, and you won’t be able to get these loans from all banks – there are some banks that have specialized to give these types of loans. 

In what situations is this solution best suited?

One situation in which you’d want a loan with payment remark is if you have a debt collection case that you want to delete, which might eventually lead to the deletion of the payment remark as well. 

Another reason people take up a loan with a payment remark/lån med betalingsanmerkning is because they want to refinance several small loans into one, with a goal of reducing either the total interest rate, monthly payment amounts, or both. 

In general, loans with payment remarks are often used as a way of getting out of a difficult financial situation. 

How to get a lån med betalingsanmerkning in Norway

If you want to get a lån med betalingsanmerkning in Norway, there are certain requirements and steps you should follow.


The following is a list of requirements for getting a loan with payment remarks:

  • You must have lived in Norway for at least three years
  • You must have a property that you can put up as collateral
  • You need to meet the age requirements of the specific banks, which is usually somewhere between 18 and 25 years
  • You must have a high enough income to pay down the loan

On you can read more about the rules and requirements for getting a loan with payment remarks in Norway. 

Step-by-step process

Many people who are looking for these types of loans usually have an invoice they really need to pay, because if they don’t, the delay fees will just keep increasing. In this case, it can be important to get hold of a loan with payment remarks quickly. Here is how you do it: 

  • Apply for “lån med betalingsanmerkning” in several banks that offer it
  • Apply during normal workingdays
  • Make sure that all of the information is correct the first time you send in the application

As you can see, the overall process is quite simple. Keep in mind that the earlier during the day that you apply, and the less work the banks has to do to confirm missing information, the faster you’ll be able to get your loan.

Benefits of a lån med betalingsanmerkning / payment remarks

There are several benefits for getting a lån med betalingsanmerkning. Some of the most prominent are: 

  • You can use it to pay down invoices that are long overdue, and thereby delete the payment remarks
  • By deleting payment remarks, it will be easier for you to get a refinance loan that may help you if you have several small debts that you’d like to gather into one
  • You’ll experience peace of mind because you know you have taken steps to resolve your debt problems

That’s all you need to know to get a loan with payment remarks in Norway. And now that you know, the only thing left is to go ahead and start applying. 

Next country up is Finland. Stay tuned.