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Questions & answers

How can we help you?

Here you will find answers to frequently asked questions.

How do I apply for a higher loan?

You can apply for a higher loan on the website, by logging in to MyQred or by contacting customer service on 32 99 36 41. If you want to apply for a higher business loan than what you have been granted, you can request a new assessment. In some cases, we may request additional documentation to ensure that we have the correct basis for our assessment.

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Do you take a credit check?

Yes, in order to make an assessment of your application, we must carry out a credit check. If you have blocked yourself from a credit check, you can open the block temporarily on Creditsafe or Experian's websites.

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Can several people act as guarantors on the same loan?

Yes, you can provide several guarantors.

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Who can act as guarantor?

The person applying for a business loan acts as guarantor. This indicates the general manager, chairman, board member or shareholder.

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What is self-debtor bail?

In the case of a self-debtor guarantee, the guarantor provides a guarantee for the borrower's ability to pay and willingness to pay.

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Is the repayment plan binding?

No, the repayment plan is not binding and you can therefore repay your business loan at any time at no extra cost. Please contact customer service if you plan to repay the loan earlier so that we can produce a final invoice for you.

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When is the first due date?

The first due date is one month from when you signed the contract. You will be sent an invoice 10 days before the due date with an account and KID number that is valid for the entire loan period. Contact customer service if you need to change the due date.

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Can I have an EHF invoice sent to me?

We do not offer this service, but we can update your email address to receive invoices.

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How do I pay off my loan?

You pay a fixed monthly fee and installments on the loan to your company according to your repayment plan, which you can find by logging in to My Qred with BankID.

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How do I receive the invoice?

The invoice will be sent to the e-mail address you provided in the application form.
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Please contact customer service if you want us to change this or send it to you by post. You can also find the invoice by logging in to MyQred with BankID, which is the self-service portal for Qred customers.

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Do you have a redemption fee?

No, we have no redemption fee. You can therefore redeem your entire business loan at any time at no extra cost.

Why was I rejected?

A refusal can be due to several reasons, such as, for example, that we have not succeeded in getting in touch with you or received the requested documentation.

Do you have an establishment fee?

No, we don't have a set-up fee. You pay a fixed monthly fee every month until the business loan is repaid.

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How long a repayment period do you offer?

We offer a repayment period of up to 36 months, depending on your company's needs. We don't have a fixed term on our business loans so you have the opportunity to reduce the cost of repaying the loan in a more rapid way, saving money in the process.

Who can apply for a business loan?

Companies with the legal form ENK, AS, DA, ANS or ASA can apply for a business loan. The applicant must have a Norwegian BankID and signature rights in order to sign a business loan agreement.

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How is my application for a business loan assessed?‍

Once you have submitted an application for a business loan, we will contact you by phone and e-mail. Before we can assess your application, we need to familiarize ourselves with your company. We take into account the desired loan amount and your financial situation, where you may be asked to submit supplementary documentation. The aim is to tailor a financing solution to your company's needs and wishes.

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Do you offer loans for setting up a new business?

Unfortunately, we can't help you with a business loan to start your own business, but we're happy to help in the start-up and growth phase.

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When will I get the money in my account?

We will try to process your application within one hour. If your loan application is approved, you will receive an offer by email and SMS. Upon signing, you fill in your bank account for disbursement, and the business loan will be disbursed within minutes.

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Can I choose to sign the loan offer later?

The loan offer is valid for 10 days, but we can of course send the loan offer again if it has expired. Contact customer service on 32 99 36 41 or support@qred.no and we will help you!

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Can I sign the agreement with BankID on mobile?

Yes, you can sign the agreement for the business loan with BankID (password and one-time code) or BankID on mobile.

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Can I choose a shorter repayment term than what I have been offered?

Yes, you can choose a shorter repayment period yourself before signing the agreement.

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Can I choose a lower loan amount than what I have been offered?

Yes, you can choose how much you want to borrow of the granted amount for the business loan.

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Can I receive a payment to a foreign bank account?

No, we only disburse the business loan to a Norwegian bank account belonging to the company.

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How does a business qualify for a Green Loan from Qred?

The company must show active measures towards green investments, such as payment for an electric car, solar cell offer or order confirmation for environmentally friendly equipment. Read more about Green Loans here. There are slightly different conditions for our green loans than for our regular business loans.

What can businesses use Green Loans for?

Green Loans can be used for environmentally friendly investments such as renewable energy, energy efficiency measures, green transportation and sustainable production.

What is a green loan from Qred?

A green loan from Qred is a financing option that supports environmentally friendly investments for businesses.

How do I repay the loan?

You can choose to refund the full amount, at no extra cost. Contact us or log in to My Qred.

We offer loans to businesses, where you fill out an application form on our website or on My Qred if you are already a customer with us. We offer short-term financing between SEK 10,000 and 5,000,000.

What is the cost of a business loan?

We carry out an overall credit assessment of the company before we determine an individual monthly fee.

My Qred

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Contact us

Do you still have questions?

Didn't find the answers you were looking for?
Contact customer service every weekday between 08.30 - 16.30.

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Telephone

32 99 36 41

Estimated waiting time
Less than 1 minute

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E-mail

support@qred.no

Estimated waiting time
Less than 24 hours

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Page written and fact-checked by

Kristina Leonova Maliberg

Country Manager Norway

Qred Bank AB

Kristina is responsible for the Norwegian market and has a broad background in banking and finance with over 5 years in Nordnet. She has a bachelor's degree in marketing and management from Inland Norway University of Applied Sciences. Kristina helped start up the Norwegian market from scratch in January 2022.