{"id":2420,"date":"2016-09-19T14:19:13","date_gmt":"2016-09-19T12:19:13","guid":{"rendered":"https:\/\/financer.com\/dk\/?page_id=2420"},"modified":"2024-03-29T09:09:46","modified_gmt":"2024-03-29T08:09:46","slug":"laan-penge","status":"publish","type":"page","link":"https:\/\/financer.com\/dk\/laan-penge\/","title":{"rendered":"L\u00e5n penge"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Ln_penge_til_den_bedste_rente___ln_samlet_et_sted\">L\u00e5n penge til den bedste rente &#8211; l\u00e5n samlet et sted<\/h2>\n\n\n\n<p>Financer rangerer som en af danmarks f\u00f8rende sammenligningstjenester indenfor l\u00e5n. <\/p>\n\n\n\n<p>Hos os finder du altid de nyeste og seneste opdateret anmeldelser, af et bredt udsnit af l\u00e5nemuligheder p\u00e5 det danske marked. <\/p>\n\n\n\n<p>Kommer der en ny l\u00e5nemulighed p\u00e5 markedet, s\u00e5 tager vi det under luppen og giver dig vores \u00e6rlige vurdering af l\u00e5netilbuddet. <\/p>\n\n\n\n<p>P\u00e5 den m\u00e5de sikre vi, at du nemt og hurtigt kan sammenligne l\u00e5n, og v\u00e6lge det som passer din \u00f8konomi bedst. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p><strong>Overvej din situation grundigt f\u00f8r du beslutter dig for at l\u00e5ne penge! <\/strong>Vi opfordre altid til, at du overvejer din grunde n\u00f8je inden du beslutter dig for at optage et l\u00e5n. Uanset om det er et st\u00f8rre forbrugsl\u00e5n, en kassekredit, et erhvervsl\u00e5n eller blot er et mindre kvikl\u00e5n s\u00e5 b\u00f8r du v\u00e6re opm\u00e6rksom p\u00e5 at det koster penge at l\u00e5ne penge.\u00a0<\/p><\/div>\n\n\n<p><strong>P\u00e5 Financer.com sammenligner vi alle de danske l\u00e5neudbydere.<\/strong><\/p>\n\n\n\n<p>Hvis du allerede ved hvilken type l\u00e5n du har brug for, s\u00e5 brug vores links herunder for at finde den rigtige sammenligning:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/financer.com\/dk\/laan-penge\/forbrugslaan\/\">Forbrugsl\u00e5n<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.com\/dk\/laan-penge\/kviklaan\/\">Kvikl\u00e5n<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.com\/dk\/laan-penge\/sms-laan\/\" data-type=\"page\" data-id=\"3479\">SMS l\u00e5n<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.com\/dk\/laan-penge\/billaan\/\">Bill\u00e5n<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.com\/dk\/laan-penge\/virksomhedslaan\/\">Erhvervsl\u00e5n<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/financer.com\/dk\/laan-penge\/samlelaan\/\">Samlel\u00e5n<\/a><\/li>\n<\/ul>\n\n\n\n<p>Financer.com er en som et leksikon for det danske l\u00e5nemarked. Her har vi samlet l\u00e5n og relevant information p\u00e5 \u00e9t sted, s\u00e5 du sparer b\u00e5de tid og penge, n\u00e5r du l\u00e5ner.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Hvorfor_Financer_\">Hvorfor Financer? <\/h3><ul>\n<li><strong>100% gratis &#8211;\u00a0<\/strong>Vores sammenligning er helt gratis for dig, og vi sammenligner lige nu +60 l\u00e5ngivere p\u00e5 det danske marked.<\/li>\n<li><strong>Hurtig og enkelt &#8211; <\/strong>Det er nemt at bruge Financer. Du finder hurtigt den rigtige l\u00e5ngiver for dig, s\u00e5 du kan bruge din tid p\u00e5 det du vil.<\/li>\n<li><strong>L\u00e6s anmeldelser &#8211;\u00a0<\/strong>Gennemsigtighed er en kernev\u00e6rdi hos os. Du kan b\u00e5de l\u00e6se og skrive anmeldelser af l\u00e5ngiverne, du finder p\u00e5 siden.<\/li>\n<li><strong>Erfaring i +25 lande &#8211;\u00a0<\/strong>Vi hj\u00e6lper hver m\u00e5ned mere end 900.000 mennesker i over 25 lande med at finde l\u00e5n og andre finansielle produkter<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p style=\"padding-left: 160px;\">\u00a0 <img decoding=\"async\" class=\"wp-image-27376 aligncenter\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren.png\" alt=\"\" width=\"301\" height=\"301\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren.png 1794w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren-300x300.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren-1024x1024.png 1024w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren-150x150.png 150w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren-768x768.png 768w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren-1536x1536.png 1536w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2022\/05\/financer-logo-ren-75x75.png 75w\" sizes=\"(max-width: 301px) 100vw, 301px\" \/><\/p>\n<p>.\u00a0<\/p><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Kan jeg l\u00e5ne penge hos Financer?<\/h4><div class=\"faq_inner\"><p>Nej, Financer.com tilbyder ikke l\u00e5n. Vi er en uafh\u00e6ngig tjeneste, hvor du kan sammenligne l\u00e5n og andre finansielle produkter. <a href=\"https:\/\/financer.com\/dk\/laan-penge\/\">L\u00e6s mere nu.<\/a><\/p><\/div><h4>Min ans\u00f8gning er blevet afvist, hvad g\u00f8r jeg?<\/h4><div class=\"faq_inner\"><p>Hvis din ans\u00f8gning er blevet afvist, kan der v\u00e6re flere grunde til det.\u00a0<a href=\"https:\/\/financer.com\/dk\/guide\/svaert-ved-at-laane-penge\/\" target=\"_blank\" rel=\"noopener\" data-wplink-edit=\"true\">Vi har en artikel her<\/a>, der hj\u00e6lper dig med at f\u00e5 din ans\u00f8gning godkendt.<\/p><\/div><h4>Skal jeg indsende dokumenter for at l\u00e5ne?<\/h4><div class=\"faq_inner\"><p>Normalt beh\u00f8ver du ikke indsende noget. L\u00e5neudbyderen indhenter selv oplysninger fra RKI og SKAT, s\u00e5 du beh\u00f8ver ikke selv indsende nogen dokumenter. L\u00e5neudbyderen kan f\u00e5 alle oplysningerne gennem NemID.<\/p><\/div><h4>Er det billigere at l\u00e5ne online end i banken?<\/h4><div class=\"faq_inner\"><p>Faktisk koster det cirka det samme, men der er selvf\u00f8lgelig forskel fra bank til bank og l\u00e5neudbyder til l\u00e5neudbyder.<\/p><\/div><h4>Jeg er arbejdsl\u00f8s, kan jeg stadig l\u00e5ne penge hurtigt?<\/h4><div class=\"faq_inner\"><p>Det er ikke umuligt at l\u00e5ne, selvom du ikke har en indkomst. Det er dog langt sv\u00e6rere, og ikke altid en god id\u00e9. Du kan l\u00e6se mere om det\u00a0<a href=\"https:\/\/financer.com\/dk\/laan-penge\/kviklaan\/uden-indkomst\/\">her<\/a>.<\/p><\/div><h4>Hvilke omkostninger er der ved l\u00e5n?<\/h4><div class=\"faq_inner\"><p>Det er forskelligt fra l\u00e5n til l\u00e5n. Tager du et l\u00e5n med en l\u00f8betid p\u00e5 mindst 1 \u00e5r, er det vigtigste n\u00f8gletal \u00c5OP, da det medregner alle omkostninger.<\/p><p><strong>Forskellige omkostninger kan v\u00e6re<\/strong>: rente, stiftelsesomkostninger, gebyrer til betalingsservice, administrationsomkostninger.<\/p><\/div><h4>Hvor mange penge kan jeg l\u00e5ne?<\/h4><div class=\"faq_inner\"><p>Du kan l\u00e5ne alt fra 100-500.000 kr. Jo st\u00f8rre et l\u00e5nebel\u00f8b, jo bedre en kreditv\u00e6rdighed skal du have for at blive godkendt til l\u00e5net.<\/p><\/div><h4>Hvad m\u00e5 jeg bruge pengene p\u00e5?<\/h4><div class=\"faq_inner\"><p>Da der er tale om l\u00e5n uden sikkerhed, kan du som udgangspunkt bruge pengene pr\u00e6cis som du hat lyst. Rejser, renovering, m\u00f8bler, elektronik, ny cykel eller bil, det hele er muligt.<\/p><\/div><h4>Kan jeg sikre mit l\u00e5n?<\/h4><div class=\"faq_inner\"><p>Hos nogle l\u00e5neudbydere er det muligt at tegne en forsikring for sit l\u00e5n. Den d\u00e6kker, f.eks., hvis du ikke er i stand til at betale den m\u00e5nedlige ydelser, fordi du er blevet arbejdsl\u00f8s. Vilk\u00e5rene varierer fra l\u00e5neudbyder til l\u00e5neudbyder.<\/p><\/div><h4>Har jeg brug for en computer for at l\u00e5ne?<\/h4><div class=\"faq_inner\"><p>Nej, det er fuldt ud muligt at optage et l\u00e5n via internetforbindelsen p\u00e5 din smartphone.<\/p><\/div><h4>Kan jeg l\u00e5ne penge hvis jeg st\u00e5r i RKI?<\/h4><div class=\"faq_inner\"><p>Nej, det kan du ikke. Der er ingen danske l\u00e5neudbydere, der tilbyder l\u00e5n direkte til RKI-registrerede personer. Der findes enkelte l\u00e5neudbydere, hvor du med en kautionist godt kan f\u00e5 et l\u00e5n, men din kautionist m\u00e5 ikke st\u00e5 i RKI.<\/p><\/div><h4>Kan jeg forl\u00e6nge mit l\u00e5n?<\/h4><div class=\"faq_inner\"><p>Ja, hos de fleste l\u00e5neudbydere har du mulighed for at forl\u00e6nge dit l\u00e5n. Den bedste m\u00e5de at g\u00f8re det p\u00e5, er ved at kontakte l\u00e5neudbyderen.<\/p><\/div><h4>Hvor meget skal jeg tjene for at f\u00e5 et l\u00e5n?<\/h4><div class=\"faq_inner\"><p>Det afh\u00e6nger af l\u00e5neudbyderen, men generelt er det muligt at tage et l\u00e5n, s\u00e5 l\u00e6nge du har en fast indkomst.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Alle_ln_er_ikke_skabt_lige\">Alle l\u00e5n er ikke skabt lige<\/h2>\n\n\n\n<p>Selvom to l\u00e5neudbydere reklamerer med en fra-rente p\u00e5 5%, betyder det ikke, at deres l\u00e5n har de samme vilk\u00e5r eller omkostninger.<\/p>\n\n\n\n<p>Der er masser af rimelige tilbud p\u00e5 det danske l\u00e5nemarked, men selv l\u00e5n, der ligner hinanden p\u00e5 overfladen, kan have vidt forskellige <strong>samlede omkostninger.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"echarts\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_echarts = echarts.init(document.getElementById('echarts'));\n\t\t\tvar data_arr = [];\n\t\t\tvar val_arr = [];\n\t\t\tvar data_value = [\"56304\",\"56808 \",\"58992\",\"59496\",\"62195\"];\n\t\t\tvar data_name = [\"Ikano Bank \",\"Nordea \",\"Basisbank\",\"L'Easy\",\"Ferratum\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; i < arrayLength; i++) {\n\t\t\t\tdata_arr.push(data_value[i]);\n\t\t\t\tval_arr.push(data_name[i]);\n\t\t\t}\n\t\t\toption = {\n\t\t\t\tbaseOption: {\n\t\t\t\t\tgrid: {\n\t\t\t\t\t\ttop: 85,\n\t\t\t\t\t\tleft: 50\n\t\t\t\t\t},\n\t\t\t\t\ttitle: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\ttext: 'Det koster de danske l\u00e5n',\n\t\t\t\t\t\tsubtext: 'L\u00e5nebel\u00f8b p\u00e5 50.000 kr. og l\u00e5neperiode p\u00e5 2 \u00e5r',\n\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\ttextAlign: 'left',\n\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\tfontWeight: 'bold',\n\t\t\t\t\t\t\tcolor: '#000000',\n\t\t\t\t\t\t},\n\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\tfontWeight: 'normal',\n\t\t\t\t\t\t\tcolor: '#999999',\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\titemSize: 20,\n\t\t\t\t\t\tshowTitle: true,\n\t\t\t\t\t\tfeature: {\n\t\t\t\t\t\t\tsaveAsImage: {\n\t\t\t\t\t\t\t\ticon: 'image:\/\/'+fs.theme_uri+'\/assets\/images\/icons-download-blue.svg',\n\t\t\t\t\t\t\t\ticonStyle: {\n\t\t\t\t\t\t\t\t\tcolor: '#2098ce',\n\t\t\t\t\t\t\t\t\tborderColor: '#2098ce',\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\ttitle: 'Download',\n\t\t\t\t\t\t\t\tpixelRatio: '2',\n\t\t\t\t\t\t\t\tbackgroundColor: '#ffffff'\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\tcolor: ['#60d394', '#2098ce', '#137dad'],\n\t\t\t\t\ttooltip : {\n\t\t\t\t\t\ttrigger: 'item',\n\t\t\t\t\t\t\tformatter: '{b0}: {c0}'\n\t\t\t\t\t\t},\n\t\t\t\t\tdataZoom: [\n\t\t\t\t\t\t{\n\t\t\t\t\t\t\ttype: 'inside'\n\t\t\t\t\t\t}\n\t\t\t\t\t],\n\t\t\t\t\txAxis: {\n\t\t\t\t\t\ttype: 'category',\n\t\t\t\t\t\tdata: val_arr,\n\t\t\t\t\t\tname: 'L\u00e5neudbyder',\n\t\t\t\t\t\tnameLocation: 'middle',\n\t\t\t\t\t\tnameGap: '40',\n\t\t\t\t\t\tnameTextStyle: {\n\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLabel: {\n\t\t\t\t\t\t\tinside: false,\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisTick: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLine: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t},\n\t\t\t\t\tyAxis: {\n\t\t\t\t\t\ttype: 'value',\n\t\t\t\t\t\taxisLine: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\tname: 'Samlet tilbagebetaling',\n\t\t\t\t\t\tnameLocation: 'middle',\n\t\t\t\t\t\tnameGap: '40',\n\t\t\t\t\t\tnameTextStyle: {\n\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisTick: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLabel: {\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tformatter: function (value, index) {\n\t\t\t\t\t\t\t\tvar milvalue = value;\n\t\t\t\t\t\t\t\tif (value > 999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000 + ' k';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000 + ' M';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000 + ' B';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000000 + ' T';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\treturn milvalue;\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\tseries: [{\n\t\t\t\t\t\tdata: data_arr,\n\t\t\t\t\t\ttype: 'bar',\n\t\t\t\t\t\tsymbol: 'circle',\n\t\t\t\t\t\tsymbolSize: '12',\n\t\t\t\t\t\tshowBackground: true,\n\t\t\t\t\t\tbackgroundStyle: {\n\t\t\t\t\t\t\tcolor: 'rgba(220, 220, 220, 0.4)'\n\t\t\t\t\t\t},\n\t\t\t\t\t}]\n\t\t\t\t},\n\t\t\t\tmedia: [\n\t\t\t\t\t{ query: {maxWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '5',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 10,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '15',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\t{ query: {minWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t]\n\t\t\t};\n\n\t\t\tmyChart_echarts.setOption(option);\n\n\t\t\twindow.addEventListener('resize', function(){\n\t\t\t\tsetTimeout(function () {\n\t\t\t\t\tmyChart_echarts.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n\n<p>Grafen herover viser et eksempel p\u00e5 forskellen i omkostninger hos de forskellige l\u00e5neudbydere. Det er en simplificeret graf med udgangspunkt i eksempler fra l\u00e5neudbydernes hjemmesider.<\/p>\n\n\n\n<p>Hvis du l\u00e5ner 50.000 kr. med en l\u00e5neperiode p\u00e5 2 \u00e5r, kan der v\u00e6re tusindvis af kroner at spare, ved at v\u00e6lge den rigtige l\u00e5neudbyder.<\/p>\n\n\n\n<ul>\n<li><strong>Din kreditv\u00e6rdighed.<\/strong> Nogle l\u00e5neudbydere tilbyder lave renter, mens andre tilbyder h\u00f8je renter. Hver enkelt l\u00e5neudbyder vurderer din kreditv\u00e6rdighed en smule anderledes. P\u00e5 Financer.com kan vi kun vise dig standardbetingelserne, men alt afh\u00e6ngig af din privat\u00f8konomi, kan den rente du f\u00e5r tilbudt v\u00e6re anderledes end hvad du ser her p\u00e5 siden.<\/li>\n\n\n\n<li><strong>Andre omkostninger.<\/strong> Selvom renten er den samme, kan der stadigv\u00e6k v\u00e6re andre gebyrer forbundet med l\u00e5net, f.eks. stiftelsesgebyrer eller m\u00e5nedlige omkostninger.<\/li>\n\n\n\n<li><strong>L\u00e5neudbyderens m\u00e5lgruppe.<\/strong> Nogle l\u00e5neudbydere fokuserer udelukkende p\u00e5 at yde en service til folk, der har brug for penge lynhurtigt. Disse l\u00e5neudbydere tager typisk en h\u00f8jere rente end konkurrenterne.<\/li>\n<\/ul>\n\n\n\n<p>Af disse grunde er det v\u00e6rd at foretage en grundig sammenligning af l\u00e5n.<\/p>\n\n\n\n<p>Selvom den endelige rente i h\u00f8j grad afh\u00e6nger af din personlige kreditv\u00e6rdighed, kan vores tabeller give dig et godt overblik over hvilke l\u00e5n, der er tilg\u00e6ngelige i Danmark.<\/p>\n\n\n\n<p>Du har allerede set, at der er tusindvis af kroner at spare, ved at v\u00e6lge det billigste l\u00e5n. Vi mener, at det er synd at spilde s\u00e5 mange penge, n\u00e5r det kunne v\u00e6re undg\u00e5et ved at sammenligne f\u00f8rst.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Ls_dette_fr_du_lner\">L\u00e6s dette f\u00f8r du l\u00e5ner<\/h3><p>L\u00e5n betragtes ofte som en ond mands skabning, men i virkeligheden forholder det sig s\u00e5dan her: l\u00e5n er ikke d\u00e5rlige, men det er muligt at mennesker h\u00e5ndterer l\u00e5n d\u00e5rligt.<\/p>\n<p>Det er ikke en skam at have et behov for at l\u00e5ne penge i sig selv, det betyder ikke, at du er et d\u00e5rligt menneske. Det kan ske for selv den bedste, at der kommer en uventet regning ind ad d\u00f8ren.<\/p>\n<p>Du b\u00f8r dog <strong>kraftigt overveje<\/strong>, om du har r\u00e5d til rent faktisk at betale l\u00e5net tilbage igen.<\/p>\n<p><strong>Vi understreger meget st\u00e6rkt: <\/strong>tag ikke et l\u00e5n for at tilbagebetale anden g\u00e6ld. Det kan tr\u00e6kke dig ned i en g\u00e6ldsspiral, som er meget sv\u00e6r at komme ud af igen.<\/p>\n<p>Inden du ans\u00f8ger om et l\u00e5n, uanset om der er tale om et forbrugsl\u00e5n, bill\u00e5n eller en anden type l\u00e5n, s\u00e5 overvej f\u00f8rst, om der findes en alternativ l\u00f8sning p\u00e5 dit problem. L\u00e5n kan v\u00e6re et nyttigt v\u00e6rkt\u00f8j, men det b\u00f8r ikke v\u00e6re dit f\u00f8rste valg.<\/p>\n<p><strong>Er du kreditv\u00e6rdig? <\/strong>L\u00e6s evt. vores guide til <a href=\"https:\/\/financer.com\/dk\/wiki\/kreditvaerdighed\/\">bedre kreditv\u00e6rdighed<\/a> eller til at <a href=\"https:\/\/financer.com\/dk\/guide\/bliv-gaeldfri\/\">blive g\u00e6ldfri<\/a>.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvilken_lntype_skal_du_vlge\">Hvilken l\u00e5ntype skal du v\u00e6lge?<\/h2>\n\n\n\n<p>N\u00e5r du bes\u00f8ger din bank eller l\u00e5neudbyders hjemmeside, ser du typisk en r\u00e6kke forskellige l\u00e5nemuligheder.<\/p>\n\n\n\n<p>Eftersom betingelserne for l\u00e5nene nogle gange er pr\u00e6cis de samme, er du m\u00e5ske forvirret over hvilken type l\u00e5n, der er tale om.<\/p>\n\n\n\n<p>Her forklarer vi i flere detaljer, hvilke l\u00e5n, der er tilg\u00e6ngelige i Danmark 2024, og hvordan de er forskellige fra hinanden.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Forbrugsln\">Forbrugsl\u00e5n<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.com\/dk\/laan-penge\/forbrugslaan\/\" data-type=\"page\" data-id=\"820\">Forbrugsl\u00e5n<\/a> er den mest popul\u00e6re l\u00e5ntype i Danmark.<\/p>\n\n\n\n<p>Forbrugsl\u00e5n er et paraply-begreb for alle l\u00e5n, der ikke skal stilles sikkerhed for, og som kan bruges som man \u00f8nsker.<\/p>\n\n\n\n<p>Det kan alts\u00e5 v\u00e6re helt almindelige dagligdagsting, s\u00e5som ny computer, reparation af bilen eller indskuddet til en lejlighed.<\/p>\n\n\n\n<ul>\n<li>L\u00e5nebel\u00f8bet er alt fra 1.000 kr. helt op til 500.000 kr.<\/li>\n\n\n\n<li>L\u00e5neperioden er typisk 1-6 \u00e5r, men kan l\u00f8be helt op til 15 \u00e5r.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nationalbanken.dk\/da\/statistik\/find_statistik\/Sider\/2018\/Renten-paa-forbrugslaan-er-faldet-mere-end-renten-paa-boliglaan.aspx\">If\u00f8lge Nationalbanken<\/a> er den gennemsnitlige rente p\u00e5 et forbrugsl\u00e5n i banken er ca. 6%. Renten er h\u00f8jere end for bill\u00e5n og realkreditl\u00e5n, fordi l\u00e5neudbyderen l\u00f8ber en st\u00f8rre risiko, ved at udstede l\u00e5n uden sikkerhed.<\/li>\n<\/ul>\n\n\n\n<p>Mange l\u00e5neudbydere kalder deres l\u00e5n forskellige navne, s\u00e5som bryllupsl\u00e5n, indskudsl\u00e5n, operationsl\u00e5n og rejsel\u00e5n \u2013 <strong>disse er alle almindelige forbrugsl\u00e5n!<\/strong><\/p>\n\n\n<div class=\"fn_block fn-company-list\">\t\t<div class=\"container\">\n <div class=\"company-list__desktop\">\n <table class=\"company-list-table\">\n <thead>\n <tr class=\"company-list-table__titles is-hidden-mobile\">\n <th>Selskab<\/th>\n <th>Samlet bed\u00f8mmelse<\/th>\n\t\t\t\t\t\t\t<th>Gange valgt<\/th>\n <th><\/th>\n <\/tr>\n <\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tBank Norwegian\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/bank-norwegian\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Bank Norwegian\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2016\/07\/bank-norwegian-logo-4.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">2,417<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/bank-norwegian\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tGoLoan\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/goloan\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"GoLoan\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2024\/02\/goloan-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">7<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/goloan\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLendMe\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/lendme\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"LendMe\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2017\/10\/lendme-logo-4.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">4,921<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/lendme\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLendo\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/lendo\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Lendo\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/09\/lendo-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">4,882<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/lendo\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLetfinans\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Letfinans\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-2.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">2,792<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t <\/tbody>\n <\/table>\n <\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Samleln\">Samlel\u00e5n<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.com\/dk\/laan-penge\/samlelaan\/\">Samlel\u00e5n<\/a> er l\u00e5n, der bruges til at indfri eksisterende l\u00e5n. Med andre ord, samles dine l\u00e5n til \u00e9t, og deraf kommer navnet.<\/p>\n\n\n\n<p>Hvis du har flere forskellige klatg\u00e6ldsposter, s\u00e5som kassekreditter, forbrugsl\u00e5n og kreditkortg\u00e6ld, kan et samlel\u00e5n ofte v\u00e6re en god m\u00e5de at reducere dine l\u00e5neomkostninger, og f\u00e5 et billigere l\u00e5n.<\/p>\n\n\n<div class=\"fn_block fn-company-list\">\t\t<div class=\"container\">\n <div class=\"company-list__desktop\">\n <table class=\"company-list-table\">\n <thead>\n <tr class=\"company-list-table__titles is-hidden-mobile\">\n <th>Selskab<\/th>\n <th>Samlet bed\u00f8mmelse<\/th>\n\t\t\t\t\t\t\t<th>Gange valgt<\/th>\n <th><\/th>\n <\/tr>\n <\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tBank Norwegian\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/bank-norwegian\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Bank Norwegian\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2016\/07\/bank-norwegian-logo-4.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">2,417<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/bank-norwegian\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tGoLoan\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/goloan\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"GoLoan\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2024\/02\/goloan-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">7<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/goloan\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLendMe\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/lendme\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"LendMe\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2017\/10\/lendme-logo-4.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">4,921<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/lendme\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLendo\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/lendo\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Lendo\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/09\/lendo-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">4,882<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/lendo\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLetfinans\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Letfinans\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-2.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">2,792<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t <\/tbody>\n <\/table>\n <\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Kreditter_kviklnets_erstatning\">Kreditter (kvikl\u00e5nets erstatning)<\/h3>\n\n\n\n<p>Kreditter er relativt nye p\u00e5 det danske marked, og har fuldst\u00e6ndig erstattet <a href=\"https:\/\/financer.com\/dk\/laan-penge\/kviklaan\/\">kvikl\u00e5n<\/a>.<\/p>\n\n\n\n<p><strong>Kreditter er simple:<\/strong> du ans\u00f8ger \u00e9n gang om at \u00e5bne en kredit, hvorefter du tilbydes en kredit med et loft (lignende kassekredit eller kreditkort). Du kan altid l\u00e5ne op til dette loft, og n\u00e5r du har tilbagebetalt bel\u00f8bet, kan du altid h\u00e6ve det igen.<\/p>\n\n\n<div class=\"fn_block fn-company-list\">\t\t<div class=\"container\">\n <div class=\"company-list__desktop\">\n <table class=\"company-list-table\">\n <thead>\n <tr class=\"company-list-table__titles is-hidden-mobile\">\n <th>Selskab<\/th>\n <th>Samlet bed\u00f8mmelse<\/th>\n\t\t\t\t\t\t\t<th>Gange valgt<\/th>\n <th><\/th>\n <\/tr>\n <\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tCashper\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/cashper\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Cashper\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">2,998<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/cashper\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tFerratum\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/ferratum\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Ferratum\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">9,319<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/ferratum\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tKreditNU\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/kreditnu\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"KreditNU\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/10\/kreditnu-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">3,465<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/kreditnu\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tNordcredit\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/nordcredit\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Nordcredit\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2017\/10\/nordcredit-logo-4.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.7\">3.7<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">4,005<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/nordcredit\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t <\/tbody>\n <\/table>\n <\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Ln_via_lneformidler\">L\u00e5n via l\u00e5neformidler<\/h3>\n\n\n\n<p>En <a href=\"https:\/\/financer.com\/dk\/laan-penge\/laaneformidler\/\" data-type=\"page\" data-id=\"12162\">l\u00e5neformidler<\/a>, er en virksomhed, der indhenter tilbud fra flere forskellige l\u00e5neudbydere til dig, hvorefter du kan v\u00e6lge l\u00e5net med de bedste vilk\u00e5r.<\/p>\n\n\n\n<p>Ved at g\u00f8re det, sparer du b\u00e5de tid og penge, fordi du kan v\u00e6lge og vrage mellem de bedste l\u00e5n, uden selv at sende flere ans\u00f8gninger.<\/p>\n\n\n\n<p>Det koster ikke noget for dig, men l\u00e5neformidleren modtager en provision fra l\u00e5neudbyderne, for at sende dem nye kunder.<\/p>\n\n\n<div class=\"fn_block fn-company-list\">\t\t<div class=\"container\">\n <div class=\"company-list__desktop\">\n <table class=\"company-list-table\">\n <thead>\n <tr class=\"company-list-table__titles is-hidden-mobile\">\n <th>Selskab<\/th>\n <th>Samlet bed\u00f8mmelse<\/th>\n\t\t\t\t\t\t\t<th>Gange valgt<\/th>\n <th><\/th>\n <\/tr>\n <\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tGoLoan\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/goloan\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"GoLoan\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2024\/02\/goloan-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">7<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/goloan\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLendMe\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/lendme\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"LendMe\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2017\/10\/lendme-logo-4.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.3\">4.3<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">4,921<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/lendme\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLendo\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/lendo\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Lendo\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/09\/lendo-logo.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">4,882<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/lendo\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLetfinans\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Letfinans\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-2.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">2,792<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t <\/tbody>\n <\/table>\n <\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Billn\">Bill\u00e5n<\/h3>\n\n\n\n<p>P\u00e5 Financer.com sammenligner vi <a href=\"https:\/\/financer.com\/dk\/laan-penge\/billaan\/\">bill\u00e5n<\/a>, som kan tages med eller uden sikkerhed i bilen.<\/p>\n\n\n\n<p>Den st\u00f8rste ulempe ved at tage l\u00e5net uden sikkerhed er den h\u00f8jere rente. P\u00e5 den anden side, er det en oplagt mulighed, hvis du vil k\u00f8be en brugt bil.<\/p>\n\n\n<div class=\"fn_block fn-company-list\">\t\t<div class=\"container\">\n <div class=\"company-list__desktop\">\n <table class=\"company-list-table\">\n <thead>\n <tr class=\"company-list-table__titles is-hidden-mobile\">\n <th>Selskab<\/th>\n <th>Samlet bed\u00f8mmelse<\/th>\n\t\t\t\t\t\t\t<th>Gange valgt<\/th>\n <th><\/th>\n <\/tr>\n <\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tAutol\u00e5net\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/autolaanet\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Autol\u00e5net\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/03\/autolanet-logo-1.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">1,060<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/autolaanet\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tLetfinans\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Letfinans\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2018\/11\/letfinans-logo-2.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">2,792<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.com\/dk\/selskab\/letfinans\/\" class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tVis selskab <img decoding=\"async\" src=\"https:\/\/financer.com\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t <\/tbody>\n <\/table>\n <\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ln_i_alle_strrelser_find_det_rigtige_lnebelb_her\">L\u00e5n i alle st\u00f8rrelser: find det rigtige l\u00e5nebel\u00f8b her<\/h2>\n\n\n\n<p>For at g\u00f8re det nemmere at finde det rigtige l\u00e5nebel\u00f8b, har vi skabt sammenligningstabeller, som g\u00f8r det muligt at finde de mest almindelige l\u00e5nebel\u00f8b.<\/p>\n\n\n\n<p><strong>Tryk p\u00e5 dit \u00f8nskede l\u00e5nebel\u00f8b, og sammenlign l\u00e5n om f\u00e5 sekunder.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-500-kr\/\" data-type=\"page\" data-id=\"1892\">L\u00e5n 500 kr.<\/a><\/td><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-1000-kr\/\" data-type=\"page\" data-id=\"1896\">L\u00e5n 1.000 kr.<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-2000-kr\/\">L\u00e5n 2.000 kr.<\/a><\/td><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-3000-kr\/\">L\u00e5n 3.000 kr.<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-4000-kr\/\">L\u00e5n 4.000 kr.<\/a><\/td><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-5000-kr\/\">L\u00e5n 5.000 kr.<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-6000-kr\/\">L\u00e5n 6.000 kr.<\/a><\/td><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-7000-kr\/\">L\u00e5n 7.000 kr.<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-8000-kr\/\">L\u00e5n 8.000 kr.<\/a><\/td><td>L\u00e5n 9.000 kr.<\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-10000-kr\/\">L\u00e5n 10.000 kr.<\/a><\/td><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-20000-kr\/\">L\u00e5n 20.000 kr.<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-200000-kr\/\">L\u00e5n 200.000 kr.<\/a><\/td><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-300000-kr\/\">L\u00e5n 300.000 kr.<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/financer.com\/dk\/laan-penge\/laan-400000-kr\/\">L\u00e5n 400.000 kr.<\/a><\/td><td>L\u00e5n 500.000 kr.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<h3 id=\"Trin_for_trin_hvordan_ansger_man_om_et_ln\">Trin for trin: hvordan ans\u00f8ger man om et l\u00e5n?<\/h3><div class=\"howto_desc\"><p>Hver enkelt l\u00e5neudbyder er lidt anderledes, og l\u00e5neprocessen varierer ogs\u00e5 alt efter l\u00e5ntypen. Ans\u00f8gningsprocessen er dog n\u00e6sten altid den samme. Her kommer et overblik over de vigtigste trin, du skal igennem, n\u00e5r du ans\u00f8ger om et l\u00e5n.<\/p><\/div><h4>Trin<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Find det bedste l\u00e5netilbud p\u00e5 Financer.com<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Udfyld ans\u00f8gningen p\u00e5 l\u00e5neudbyderens hjemmeside<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Du modtager svar p\u00e5 din ans\u00f8gning<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Skriv under p\u00e5 l\u00e5neaftalen<\/a><\/div><div class=\"single-article__steps\"> <style>\n .single-article__steps-items .single-article__steps-content{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n width:calc(100% - 5px);\n}\n .single-article__steps-items .single-article__steps-counter{\n padding:5px 20px;\n border-radius:3px;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n\/* .single-article__steps-items::before{\n content:\"\";\n position:absolute;\n top:20px;\n left:0;\n height:calc(100% + 40px);\n border-left:2px dashed #e0e0e1;\n}*\/\n .single-article__conclusion-tag{\n padding:5px 20px;\n border-radius:3px;\n color:#000000;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n .single-article__conclusion-item{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n}\n <\/style>\n <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Trin 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Find-det-bedste-laanetilbud-paa-Financer.com\">Find det bedste l\u00e5netilbud p\u00e5 Financer.com<\/h3><p>Start med at finde det rigtige l\u00e5netilbud via vores l\u00e5nsammenligning. Hvis du trykker p\u00e5 <em>Ans\u00f8g nu<\/em> knappen, bliver du sendt videre til l\u00e5neudbyderens hjemmeside.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Trin 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Udfyld-ansoegningen-paa-laaneudbyderens-hjemmeside\">Udfyld ans\u00f8gningen p\u00e5 l\u00e5neudbyderens hjemmeside<\/h3><p>V\u00e6lg hvor meget du vil l\u00e5ne og \u00e5bn ans\u00f8gningen p\u00e5 l\u00e5neudbyderens hjemmeside og indtast dine personlige oplysninger. N\u00e5r du ans\u00f8ger, giver du ogs\u00e5 l\u00e5neudbyderen retten til at foretage en vurdering af din \u00f8konomi, for at se om du er kreditv\u00e6rdig.<\/p>\n<p>Udover din kontaktinformation, vil du blive spurgt om flere detaljer om din privat\u00f8konomi og leveforhold (om du er gift, hvor du arbejder osv.)<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Trin 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Du-modtager-svar-paa-din-ansoegning\">Du modtager svar p\u00e5 din ans\u00f8gning<\/h3><p>Du vil f\u00e5 at vide, om svaret p\u00e5 din ans\u00f8gning er positivt eller negativt. Du kan forvente samme dag, du sender ans\u00f8gningen, hvis det er indenfor l\u00e5neudbyderens \u00e5bningstider, og nogle gange lige med det samme I enkelte tilf\u00e6lde, kan det tage 2-3 hverdage.<\/p>\n<p>Du vil som regel modtage svar enten via e-mail eller telefon.<\/p><\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag alt\" id=\"step_4\">Trin 4<\/div><div class=\"single-article__conclusion-item\"><div class=\"single-article__conclusion-content\"><h3 id=\"Skriv-under-paa-laaneaftalen\">Skriv under p\u00e5 l\u00e5neaftalen<\/h3><p>Hvis din ans\u00f8gning accepteres, vil du modtage et l\u00e5netilbud, som du kan v\u00e6lge at underskrive eller ej. Som en del af l\u00e5netilbuddet, vil du kunne se l\u00e5nets l\u00f8betid, \u00c5OP, rente og andre omkostninger.<\/p>\n<p>N\u00e5r du har takket ja til tilbuddet og underskrevet l\u00e5neaftalen, begynder l\u00e5neperioden.<\/p>\n<p>De fleste danske l\u00e5neudbydere overf\u00f8rer pengene direkte til din NemKonto samme dag, som aftalen er underskrevet.<\/p><\/div><\/div> <\/div>\n <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Det_betyder_lnevilkrene__OP_lbetid_og_andet\">Det betyder l\u00e5nevilk\u00e5rene \u2013 \u00c5OP, l\u00f8betid og andet<\/h2>\n\n\n\n<p><strong>Skal du v\u00e6lge en lang eller kort l\u00f8betid? Hvad med afdragsfrie m\u00e5neder og \u00c5OP?<\/strong><\/p>\n\n\n\n<p>L\u00e5ngiverne udm\u00e6rker sig p\u00e5 forskellige parametre. Overvej hvad der er vigtigst for dig, f\u00f8r du l\u00e5ner. <\/p>\n\n\n\n<p>Her er et overblik over de forskellige begreber og fordele, du kan l\u00f8be ind i.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-background\" style=\"background-color:#e7f5fe\"><thead><tr><th>Unik fordel<\/th><th>Beskrivelse<\/th><\/tr><\/thead><tbody><tr><td><strong>Hurtig udbetaling<\/strong><\/td><td>Nogle <a href=\"https:\/\/financer.com\/dk\/laan-penge\/udbetaling-med-det-samme\/\" data-type=\"page\" data-id=\"2636\">l\u00e5neudbydere tilbyder \u00f8jeblikkelig udbetaling<\/a>, mens du m\u00e5 vente 2-3 bankdage hos andre.<\/td><\/tr><tr><td><strong>L\u00f8betid<\/strong><\/td><td>En kort l\u00f8betid betyder en h\u00f8jere m\u00e5nedlig ydelse, men et <a href=\"https:\/\/financer.com\/dk\/laan-penge\/billige-laan\/\">billigere l\u00e5n<\/a> over hele perioden. En lang l\u00f8betid giver en lav ydelse, men et dyrere l\u00e5n samlet set.<\/td><\/tr><tr><td><strong>M\u00e5nedlig ydelse<\/strong><\/td><td>V\u00e6lg en l\u00e5neudbyder, der kan give dig en m\u00e5nedlig ydelse du har r\u00e5d til at betale.<\/td><\/tr><tr><td><strong>Fast rente<\/strong><\/td><td>I mange tilf\u00e6lde vil du blive tilbudt en fast rente, hvilket normalt er dyrere end variabel. Til geng\u00e6ld kan det v\u00e6re nemmere for dig at planl\u00e6gge dine tilbagebetalinger.<\/td><\/tr><tr><td><strong>\u00c5OP<\/strong><\/td><td>\u00c5OP er det vigtigste n\u00f8gletal, hvis du kigger p\u00e5 l\u00e5n med en l\u00f8betid p\u00e5 mindst 1 \u00e5r. Der er direkte sammenh\u00e6ng mellem \u00c5OP og l\u00e5nets samlede pris.<\/td><\/tr><tr><td><strong>Identifikation med MitID<\/strong><\/td><td>De fleste l\u00e5neudbydere identificerer dig ved brug af MitID. Nogle gange skal du ogs\u00e5 indsende billede af pas, k\u00f8rekort eller andet ID.<\/td><\/tr><tr><td><strong>Kundeservice<\/strong><\/td><td>Hos de fleste l\u00e5neudbydere kan du ringe alle hverdage, mens nogle f\u00e5 har \u00e5bent i weekenden.<\/td><\/tr><tr><td><strong>Udbetaling i weekenden<\/strong><\/td><td>Nogle f\u00e5 l\u00e5neudbydere udbetaler ogs\u00e5 <a href=\"https:\/\/financer.com\/dk\/laan-penge\/udbetaling-i-weekenden\/\">l\u00e5n i weekenden og p\u00e5 helligdage<\/a>. Du kan altid ans\u00f8ge i weekenden, men du f\u00e5r ikke altid svar f\u00f8r n\u00e6ste hverdag.<\/td><\/tr><tr><td><strong>L\u00e5n til bestemte grupper<\/strong><\/td><td>Selvst\u00e6ndige og studerende har ikke altid let ved at tage et l\u00e5n. Nogle l\u00e5neudbydere fokuserer specifikt p\u00e5 disse grupper.<\/td><\/tr><tr><td><strong>Indfrielse uden gebyrer<\/strong><\/td><td>Det er ikke altid gratis at indfri sit l\u00e5n uden gebyrer, unders\u00f8g det derfor, f\u00f8r du l\u00e5ner.<\/td><\/tr><tr><td><strong>Afdragsfrie m\u00e5neder<\/strong><\/td><td>I afdragsfrie m\u00e5neder skal du ikke betale afdrag, men kun renteomkostninger. Det giver dig et pusterum i visse m\u00e5neder, men dit l\u00e5n bliver dyrere samlet set.<\/td><\/tr><tr><td><strong>L\u00e5neforsikring<\/strong><\/td><td>Hvis du er den forsigtige type, kan du tilk\u00f8be en l\u00e5neforsikring, hvis du skulle bliver arbejdsl\u00f8s eller lignende.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvem_kan_ansge_om_et_online_ln\">Hvem kan ans\u00f8ge om et online l\u00e5n?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/02\/krav-foer-du-kan-laane-min.png\" alt=\"\" class=\"wp-image-9459\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/02\/krav-foer-du-kan-laane-min.png 940w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/02\/krav-foer-du-kan-laane-min-300x251.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/5\/2019\/02\/krav-foer-du-kan-laane-min-768x644.png 768w\" sizes=\"(max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Ikke alle mennesker har en god nok \u00f8konomi til at l\u00e5ne penge. Der er nemlig stadigv\u00e6k krav du skal opfylde, selvom du g\u00e5r udenom banken.<\/p>\n\n\n\n<p>Her er en liste med krav, som de fleste l\u00e5neselskaber stiller deres kunder. Der kan v\u00e6re forskel p\u00e5 kravene fra l\u00e5ngiver til l\u00e5ngiver.<\/p>\n\n\n\n<ul>\n<li><strong>Krav til alder.<\/strong> Du skal v\u00e6re mindst 18 \u00e5r gammel. Nogle l\u00e5ngivere har en h\u00f8jere aldersgr\u00e6nse, f.eks. 20, 23 eller 25 \u00e5r.<\/li>\n\n\n\n<li><strong>Krav til indkomst.<\/strong> Nogle l\u00e5neudbyder stiller ingen krav, mens andre stiller krav til indkomst. Et indkomstkrav kan f.eks. v\u00e6re 200.000 kr. om \u00e5ret.<\/li>\n\n\n\n<li><strong>Krav til arbejde.<\/strong> Nogle l\u00e5neudbydere kr\u00e6ver, at du har fast arbejde eller fast indkomst.<\/li>\n\n\n\n<li><strong>Krav om ingen RKI<\/strong>. Det er ekstremt sv\u00e6rt at tage et l\u00e5n i Danmark, hvis du er registreret i RKI eller Debitor Registret. Den bedste l\u00f8sning p\u00e5 det problem, er at komme ud af RKI.<\/li>\n\n\n\n<li><strong>Krav til bop\u00e6l.<\/strong> Langt de fleste l\u00e5ngivere kr\u00e6ver, at du har dansk adresse.<\/li>\n\n\n\n<li><strong>Krav til MitID.<\/strong> Det mest normale er at identificere sig og skrive under p\u00e5 l\u00e5net med MitID.<\/li>\n<\/ul>\n\n\n\n<p>Du oplyser alt dette gennem ans\u00f8gningsprocessen. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Opsummering_af_artiklen\">Opsummering af artiklen<\/h3><ul>\n<li>L\u00e5n penge ved at bruge vores l\u00e5nesammenligning til at finde l\u00e5net med de bedste vilk\u00e5r. Du kan navigere til den rigtige l\u00e5ntype, eller v\u00e6lge direkte <a href=\"#top\">\u00f8verst p\u00e5 siden<\/a>.<\/li>\n<li>Selv l\u00e5n med samme fra-rente kan have vidt forskellige l\u00e5neomkostninger, og derfor er det vigtigt at sammenligne de forskellige udbydere f\u00f8rst, og evt. sende flere l\u00e5neans\u00f8gninger.<\/li>\n<li>Du b\u00f8r kun l\u00e5ne penge, hvis du har brug for det, og du b\u00f8r absolut ikke tage et l\u00e5n for at afbetale anden g\u00e6ld. L\u00e5n er en n\u00f8dl\u00f8sning, ikke et f\u00f8rstevalg.<\/li>\n<\/ul><p class=\"has-text-left\">\n\t <a href=\"#top\" class=\"button is-normal is-primary is-rounded is-large\">Tag mig til toppen <\/a>\n\t<\/p><\/div>\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Kilder_og_brugbare_links\">Kilder og brugbare links<\/h3><ul>\n<li><a href=\"https:\/\/www.finanstilsynet.dk\/Tilsyn\/Vurderinger-af-finansielle-virksomheder\">Vurderinger af finansielle virksomheder &#8211; Finanstilsynet<\/a><\/li>\n<li><a href=\"https:\/\/www.forbrug.dk\/raad-og-rettigheder\/penge-og-oekonomi\/forbrugslaan\/\">Forbrugsl\u00e5n og rettigheder \u2013 Konkurrence- og Forbrugerstyrelsen<\/a><\/li>\n<li><a href=\"https:\/\/www.retsinformation.dk\/eli\/lta\/1990\/398\">Lov om kreditaftaler &#8211; Retsinformation<\/a><\/li>\n<li><a href=\"https:\/\/www.nationalbanken.dk\/da\/statistik\/find_statistik\/Documents\/Rentestatistik%20for%20penge-%20og%20realkreditinstitutter\/Bank%20og%20realkredit%20Rente%2020180827.pdf\">Renten p\u00e5 forbrugsl\u00e5n er faldet mere end renten p\u00e5 boligl\u00e5n &#8211; Nationalbanken<\/a><\/li>\n<\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>L\u00e5n penge til den bedste rente &#8211; l\u00e5n samlet et sted Financer rangerer som en af danmarks f\u00f8rende sammenligningstjenester indenfor\u2026 <\/p>\n","protected":false},"author":25,"featured_media":9466,"parent":0,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"page-main-category.php","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[],"tags":[7],"_links":{"self":[{"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/pages\/2420"}],"collection":[{"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/comments?post=2420"}],"version-history":[{"count":50,"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/pages\/2420\/revisions"}],"predecessor-version":[{"id":48198,"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/pages\/2420\/revisions\/48198"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/media\/9466"}],"wp:attachment":[{"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/media?parent=2420"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/categories?post=2420"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/dk\/wp-json\/wp\/v2\/tags?post=2420"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}