We offer straightforward loans if you happen to need a bit of extra cash. It's easy, secure and involves no hidden fees.

  • 0 DKK in fees and setup

  • Loan up to 150,000 DKK securely

  • Apply in the app for a speedy process

You’re in charge

When you apply for a loan at Lunar it’s up to you what you can pay back each month. The goal is to keep your finances healthy, so you can spend your money on what's important to you.

Other banks will dictate how much you need to pay off and when. Lunar asks you what you can pay, and we’ll work out how long it’ll take you to pay it back.

No hidden fees. No time commitment. Pay off your loan easily.

You can pay off your loan whenever you like without any unreasonable fees. You can easily see what you’ll save if you pay back your loan faster, it’s up to you how you want to do it.

A loan that's easy to understand

When you apply for a Lunar loan, there’s no fine print. We’re completely open about our prices and terms, and we'll help you understand them too.

  • Loan between 10,000 and 150,000 DKK
  • Up to five years to pay it off
  • 0 DKK in fees and setup
  • Debit interest rate and APR between 5,1% - 22%
  • Pay ahead of time and save money

Representative loan example: Loan amount: 40,000 DKK. Maturity: 60 months. - Payments from 756 to 1,061 DKK / month. - Variable debit interest rate from 5.1 to 22%. - APR from 5.1 to 22%. - Total credit costs from 5,294 to 23,629 DKK. - Total amount to be paid from 45,294 to 63,629 DKK. - There is a 14-day right of withdrawal on credit agreements.

Spread your payment out over 3, 6, or 12 months

Do you often find yourself with an empty account at the end of the month? We can help with that. With Pay Later, you can split payments of up to 10,000 DKK no matter what kind of expense it is. You can split it over 3, 6, or 12 months.

That gives you some financial breathing room, if you make an expensive purchase or get an unexpected bill, for example.


  • 1

    Get the app and sign up for Lunar

    Get an account, a digital card, and a banking app that will put you in charge of your money. Free of charge.

  • 2

    Apply for a loan directly in the app

    Tell us how much you'd like to loan and how much you want to pay back each month. The most important thing for us is that your finances are healthy. That's why we ask a couple of questions when you apply for a loan. That’s also why we sometimes say no.

  • 3

    Get an offer quickly

    Usually, you’ll get your loan offer within 24 hours of applying.

    This offer is non-binding and gives you the full overview of the loan and any associated costs, so you know what you’ll pay. It costs 0 DKK to set up a loan.

  • 4

    Approve with NemID and receive the money

    The money will go into your account as soon as you approve with your NemID. You can pay off the loan as often as you'd like and thus shorten the loan duration and save money.


Do like 500,000 others, get Lunar now

Sign up for Lunar and get a free account and digital card, so you can pay with Apple Pay and Google Pay. You can even try Lunar without leaving your current bank.