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It’s east to have an overview of one’s expenses if you only have to make one payment per month. Refinancing allows you to combine all of your consumer loans into a single loan with suitable terms and conditions.
The calculation is approximate and may differ from the terms and conditions offered to you.
Combine all of your consumer loans into one, so you’ll have a better overview of your expenses.
Combine your consumer loans into one and you will only have a single monthly payment and a clear overview of your monthly repayments.
You can submit an application any time online or at the nearest branch of the bank nationwide.
Our professional employee are always there for you to find the best solution for making your wishes come true.
See the price list
The maximum loan amount depends on your monthly income and obligations.
We will ask you to send us your account statement if necessary. We accept digitally signed account statements for the last six months (in bdoc format), which include information about all income and expenses. You can download it from the internet bank of your home bank. Please e-mail the statement to firstname.lastname@example.org.
You can submit a loan application online and at the branches of the bank nationwide.
In the case of a positive preliminary decision, we will ask you to send us statements of all of your active accounts for the last six months and the final invoices confirming the early repayment of the refinanced loans. List of creditors
You can sign the agreement digitally with your ID card, Smart-ID or Mobile-ID. To pay out the loan identification may be needed. This can be conveniently done via a computer or mobile phone, in branch of Coop Pank or a Coop store. For identification, you need an identity document (ID card, passport or driving license).
You can view the details of your loan agreement here.
Changing the payment date
You can change the payment date if necessary.Grace period
You can request a grace period if necessary. The length and the terms and conditions of the grace period are determined in consideration of your requirements and possibilities.
The loan can also be repaid before the deadline of the agreement.
If you would like to amend the agreement, please submit a corresponding order in the self-service, send an e-mail to email@example.com or go to a branch of Coop Pank. The fee for amendment of the agreement is calculated according to the price list.
If we haven’t received a repayment by its due date, we will text you a reminder that the payment must be made. The costs and default interest related to an overdue payment are calculated according to the price list. If you find that making the repayments will be a longer-lasting problem, please contact us so we can find a suitable solution together.
Before you conclude an agreement, we advise you to review the terms and conditions of the financial service and, if necessary, consult a specialist.
The annual percentage rate of charge on a refinancing loan is 18.31% on the following sample terms: loan amount €5000, loan term in months 36, number of repayments 36, fixed interest rate per annum 14,9% as calculated on the loan balance, agreement fee €100, monthly administration fee €1,50, monthly instalment €174,58, total credit amount €6384,96 and total of repayments €6284,96. Refinancing loans are provided by Coop Finants AS.