{"id":2669,"date":"2016-10-10T19:38:19","date_gmt":"2016-10-10T17:38:19","guid":{"rendered":"https:\/\/financer.dk\/?page_id=2669"},"modified":"2024-05-20T13:04:10","modified_gmt":"2024-05-20T11:04:10","slug":"mikrolaan","status":"publish","type":"page","link":"https:\/\/financer.dk\/laan-penge\/mikrolaan\/","title":{"rendered":"Mikrol\u00e5n"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Billige_mikroln_online\">Billige mikrol\u00e5n online<\/h2>\n\n\n\n<p>Mangler du et mindre pengebel\u00f8b, og kan du betale pengene tilbage hurtigt? S\u00e5 kan et mikrol\u00e5n online v\u00e6re en l\u00f8sning for dig.<\/p>\n\n\n\n<p>Vi har samlet de danske mikrol\u00e5n \u00f8verst p\u00e5 siden, s\u00e5 du nemt kan sammenligne dine muligheder og v\u00e6lge det bedste mikrol\u00e5n for dig.<\/p>\n\n\n\n<p>Husk at et mikrol\u00e5n ikke er nogen langsigtet l\u00f8sning p\u00e5 \u00f8konomiske problemer. Dog kan det v\u00e6re en mulighed i \u00f8konomiske n\u00f8dstilf\u00e6lde.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3>Top 5 kvikl\u00e5n\/SMS l\u00e5n i 2024<\/h3><ul>\n<li><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">Nordcredit<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 25.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 20.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 25.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\">Ferratum<\/a>\u00a0\u2013 L\u00e5nebel\u00f8b op til 50.000 kr.<\/li>\n<li><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\">PayMark Finans<\/a> &#8211; L\u00e5nebel\u00f8b op til 150.000 kr.\u00a0<\/li>\n<\/ul><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.dk\/laan-penge\/\"   class=\"button is-normal is-primary is-rounded is-large\">Se alle l\u00e5n <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvad_er_mikroln\">Hvad er mikrol\u00e5n?<\/h2>\n\n\n\n<p>Den type mikrol\u00e5n vi taler om, er sm\u00e5 forbrugsl\u00e5n. Denne type l\u00e5n er ogs\u00e5 kendt som <a href=\"https:\/\/financer.dk\/laan-penge\/kviklaan\/\">kvikl\u00e5n<\/a> eller <a href=\"https:\/\/financer.dk\/laan-penge\/sms-laan\/\">SMS l\u00e5n<\/a>. Du skal ikke stilles sikkerhed for l\u00e5net, og du kan bruge pengene pr\u00e6cis som du \u00f8nsker.<\/p>\n\n\n\n<p>Navnet \u201cmikrol\u00e5n\u201d anvendes fordi man gerne vil understrege, at der er tale om et meget lille l\u00e5n.<\/p>\n\n\n\n<p>Mikrol\u00e5n kendetegnes p\u00e5 f\u00f8lgende m\u00e5de.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Nemt_at_ansge\">Nemt at ans\u00f8ge<\/h3>\n\n\n\n<p>Ans\u00f8gningsprocessen for mikrol\u00e5n er meget ligetil. Det b\u00f8r ikke tage mere end 5 minutter, og klares typisk ved hj\u00e6lp at NemID.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Et_ln_uden_sikkerhed\">Et l\u00e5n uden sikkerhed<\/h3>\n\n\n\n<p>Der skal ikke stilles sikkerhed for mikrol\u00e5n, s\u00e5 du kan bruge pengene som du vil. Det kan v\u00e6re en fordel, hvis du st\u00e5r og mangler penge til en uforudset regning eller en anden udgift, som ikke kan vente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ikke_en_langsigtet_lsning\">Ikke en langsigtet l\u00f8sning<\/h3>\n\n\n\n<p>Du b\u00f8r ikke tage et mikrol\u00e5n uden en meget god grund. Hvis du har en anden l\u00f8sning, b\u00f8r du v\u00e6lge den, da mikrol\u00e5n koster penge at tage.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Mikroln_til_Ulande\">Mikrol\u00e5n til Ulande<\/h3><p>Der findes en anden type mikrol\u00e5n, nemlig mikrol\u00e5n til ulande, som er mindre finansielle ydelser, som gives til at starte mindre virksomheder i ulande.<\/p>\n<p>Denne side er dedikeret til \u201cde danske\u201d mikrol\u00e5n.<\/p>\n<p>Vil du l\u00e6se mere om mikrol\u00e5n til ulande, kan du g\u00f8re det <a href=\"http:\/\/www.ulandssekretariatet.dk\/content\/nye-baeredygtige-udviklingslaan\">hos Ulandssekretariatet<\/a>.<\/p><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Sammenlign l\u00e5n fra 44 l\u00e5ngivere\n<\/h3><p>Find det billigste l\u00e5n med et enkelt klik\n<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.dk\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=360&\" data-slider-url=\"https:\/\/financer.dk\/resultat?query=1&non_affiliate=true&param_amount=10000&param_period=360&\" data-required=\"resultat?query=1non_affiliate=true&param_amount=10000&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Sammenlign l\u00e5n<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Hvad_koster_et_mikroln\">Hvad koster et mikrol\u00e5n?<\/h2>\n\n\n\n<p>Du skal betale renter og nogle gange ogs\u00e5 andre omkostninger for mikrol\u00e5n. \u00c5OP\u2019en er typisk omkring 25%, hvilket er den h\u00f8jst mulige \u00c5OP i Danmark.<\/p>\n\n\n\n<p>Det vigtigste tal at holde \u00f8je med er altid \u00c5OP, fordi det tager h\u00f8jde for alle gebyrer. Du kigger m\u00e5ske p\u00e5 renten, stiftelsesomkostningerne og lignende, men i sidste ende er det \u00c5OP, der er vigtigst.<\/p>\n\n\n\n<p>Du skal muligvis ogs\u00e5 betale oprettelsesgebyrer, men det kommer an p\u00e5 l\u00e5neudbyderen. L\u00e6s altid vilk\u00e5rene igennem, f\u00f8r du underskriver dit l\u00e5n.<\/p>\n\n\n\n<p>V\u00e6r ogs\u00e5 opm\u00e6rksom p\u00e5 gebyrer, hvis du ikke betaler til tiden. Der kan v\u00e6re morarenter og rykkergebyrer. Vi anbefaler, at du s\u00e6tter automatisk tilbagebetaling op, s\u00e5 du ikke misser betalinger.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>L\u00e5neudbyder<\/th><th>L\u00e5nebel\u00f8b<\/th><th>Rente<\/th><th>L\u00f8betid<\/th><th>Alderskrav<\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a><\/strong><\/td><td>4.000 &#8211; 25.000 DKK<\/td><td>0%&nbsp;<\/td><td>1-24 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\">Cashper<\/a><\/strong><\/td><td>3.000 &#8211; 20.000 DKK<\/td><td><strong>Fast <\/strong>21,96%<\/td><td>6 mdr.<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\">Paymark Finans<\/a><\/strong><\/td><td>10.000 &#8211; 150.000 DKK<\/td><td><strong>Fast <\/strong>16,90%<\/td><td>36-102 mdr.<\/td><td>21 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/nordcredit\/\">NordCredit<\/a><\/strong><\/td><td>1.000 &#8211; 25.000 DKK<\/td><td><strong>FAST <\/strong>24,97%<\/td><td>12 mdr.<\/td><td>18 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\">Ferratum<\/a><\/strong><\/td><td>2.500 &#8211; 50.000 DKK<\/td><td>22,52%<\/td><td>9-199 mdr.<\/td><td>21 \u00e5r<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Eksempel_p_mikroln\">Eksempel p\u00e5 mikrol\u00e5n<\/h3>\n\n\n\n<p>Hold \u00f8je med det samlede l\u00e5nebel\u00f8b, l\u00f8betiden og den m\u00e5nedlige ydelse. Det er s\u00e5dan du kan se, om du har r\u00e5d til at betale l\u00e5net tilbage igen.<\/p>\n\n\n\n<p>Den m\u00e5nedlige ydelse b\u00f8r ikke v\u00e6re st\u00f8rre, end hvad du kan betale tilbage om m\u00e5neden. Dog vil du hurtigere komme ud af din g\u00e6ld igen, hvis du v\u00e6lger at betale en h\u00f8jere ydelse, hvilket kan v\u00e6re en fordel.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><tbody><tr><td>L\u00e5nebel\u00f8b<\/td><td>7.000 kr.<\/td><\/tr><tr><td>L\u00f8betid<\/td><td>12 m\u00e5neder<\/td><\/tr><tr><td>Ydelse per m\u00e5ned<\/td><td>654,47 kr.<\/td><\/tr><tr><td>\u00c5OP<\/td><td>24,99%<\/td><\/tr><tr><td>Debitorrente<\/td><td>22,52%<\/td><\/tr><tr><td>Samlede omkostninger<\/td><td>853,63 kr.<\/td><\/tr><tr><td>Samlet tilbagebetaling<\/td><td>7.853,63 kr.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Hvem_kan_tage_et_mikroln\">Hvem kan tage et mikrol\u00e5n?<\/h2>\n\n\n\n<p>Der er nogle f\u00e5 krav, du skal opfylde for at optage mikrol\u00e5n. Disse krav varierer fra l\u00e5neudbyder til l\u00e5neudbyder:<\/p>\n\n\n\n<ul class=\"is-style-check-list\">\n<li>Du er mindst 18 \u00e5r gammel.<\/li>\n\n\n\n<li>Du bor i Danmark<\/li>\n\n\n\n<li>Du har en dansk bankkonto<\/li>\n\n\n\n<li>Du st\u00e5r ikke i RKI eller Debitor Registret<\/li>\n<\/ul>\n\n\n\n<p>Fordi det handler om sm\u00e5 pengebel\u00f8b, er kravene relativt f\u00e5. Det er lettere at tage mikrol\u00e5n end normale forbrugsl\u00e5n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_mikroln_i_fn_date_formatY\">3 mikrol\u00e5n i 2024<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"180\" height=\"55\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/12\/cashper-logo.png\" class=\"attachment-full size-full\" alt=\"Cashper anmeldelse\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>3.126<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kortsigtet l\u00e5n med kautionist<\/li><li >Cashper er en del af det maltesiske firma Novum Bank<\/li><li >Du skal kunne dokumentere, at du har en stabil \u00f8konomi<\/li><li >Nem ans\u00f8gningsprocess<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">3000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">20000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">21.96<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 m\u00e5ned<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">6 m\u00e5neder<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/cashper\/redirect\/?unq=66e89db916311\" data-url_param_unq=\"66e89db916311\"  data-url_param_pid=\"8965\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/cashper\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eksempel: Rentesatsen er fast. For et l\u00e5n p\u00e5 3000 kr med en l\u00f8betid p\u00e5 6 m\u00e5neder er den nominelle rente 22.44%. Den samlede omkostninger i procent er 24.90%. Det samlede tilbagebetalingsbel\u00f8b: 3199,38 kr. M\u00e5nedlig betaling: 533,23 kr pr. m\u00e5ned i 6 m\u00e5neder.<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/06\/paymarkfinans-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/06\/paymarkfinans-logo.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2018\/06\/paymarkfinans-logo-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>2.202<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5n 10.000-150.000 kr.<\/li><li >\u00c5OP p\u00e5 11,94-24,87%<\/li><li >Min. alder: 21 \u00e5r<\/li><li >Hurtig udbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">10000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">150000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">16.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">16.90<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">3 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">9 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">20<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/redirect\/?unq=66e89db92be59\" data-url_param_unq=\"66e89db92be59\"  data-url_param_pid=\"7949\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4.1\">4.1<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/paymark-finans\/#read-reviews\">4<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >Eks.: 20.000 kr. over 84 mdr. Variabel \u00e5rlig debitorrente: 9,90%-19,56%. \u00c5OP: 12,66-22,92%. Mdl. ydelse: 353-454 kr. Samlet tilbagebetaling: 29.629-38.134 kr. Samlede kreditomk.: 9.629-18.134 kr. Beregning er inkl. oprettelsesgebyr: 1.600 kr. og baseret p\u00e5 betaling via HomeBanking. Ans\u00f8ger skal v\u00e6re min. 21 \u00e5r, opfylde kriterier for samlet kreditvurdering og m\u00e5 ikke v\u00e6re registreret i RKI.<\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"720\" height=\"220\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/5\/2015\/11\/ferratum-logo-2-300x92.png 300w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><span class=\"items-content__card-chosen\">Valgt <strong>9.470<\/strong> gange<\/span><ul class=\"items-content__card-list\"><li >L\u00e5netype: Kredit, kvikl\u00e5n<\/li><li >Ferratum har en h\u00f8j score p\u00e5 Trustpilot p\u00e5 4,4\/5 stjerner<\/li><li >Ferratum tilbyder l\u00e5n uden sikkerhed<\/li><li >Tilbyder straksudbetaling<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. l\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">2500<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">L\u00e5nebel\u00f8b<\/span><span class=\"items-content__card-datapoint-value\">50000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Lavest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">H\u00f8jest \u00c5OP<\/span><span class=\"items-content__card-datapoint-value\">22.52<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. periode<\/span><span class=\"items-content__card-datapoint-value\">1 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Max periode<\/span><span class=\"items-content__card-datapoint-value\">15 \u00e5r<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterer RKI?<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. alder<\/span><span class=\"items-content__card-datapoint-value\">22<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/redirect\/?unq=66e89db93fbf9\" data-url_param_unq=\"66e89db93fbf9\"  data-url_param_pid=\"216\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Kom i gang<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/\"  class=\"button is-rounded items-content__card-more-info\">Mere info<\/a><a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.9\">3.9<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e6s&nbsp;<a href=\"https:\/\/financer.dk\/selskab\/ferratum\/#read-reviews\">28<\/strong>&nbsp;anmeldelser<\/a><\/div><\/div><div class=\"items-content__card-description\" >F\u00f8lgende priseksempel er baseret p\u00e5 antagelsen om, at man som ny kreditkunde udtr\u00e6kker bel\u00f8bet straks og tilbagebetaler over 12 m\u00e5neder.   L\u00e5nebel\u00f8b: 50.000 kr.\u00a0  Debitorrente: 22,52% &#8211; \u00c5OP: 24,99%  Samlede kreditomkostninger: 6.098 kr.\u00a0  Samlet tilbagebetaling: 56.098 kr.\u00a0  Minimumsbetaling hver m\u00e5ned: 4.674,86 kr.\u00a0     * Minimum m\u00e5nedlig betaling: 3.18% af den udst\u00e5ende kredit eller min. 150 kroner afh\u00e6ngigt af, hvad der er st\u00f8rst. Minimum tilbagebetaling: 9 m\u00e5neder. Maksimum tilbagebetaling: 199 m\u00e5neder.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Fordele_og_ulemper_ved_mikroln\">Fordele og ulemper ved mikrol\u00e5n<\/h2>\n\n\n\n<ul class=\"like is-style-pros-list\">\n<li><strong>Du f\u00e5r pengene hurtigt.<\/strong> De fleste mikrol\u00e5n udbetales med det samme du er godkendt.<\/li>\n\n\n\n<li><strong>Du er hurtig g\u00e6ldfri igen.<\/strong> Du kan v\u00e6lge at betale l\u00e5net ud efter f\u00e5 dage eller uger, og dermed blive g\u00e6ldfri igen.<\/li>\n\n\n\n<li><strong>F\u00e5 krav.<\/strong> Der stilles f\u00e5 krav til dig som l\u00e5ntager, s\u00e5 de fleste vil f\u00e5 deres ans\u00f8gning godkendt.<\/li>\n\n\n\n<li><strong>\u00d8jeblikkeligt svar.<\/strong> Du ved med det samme, om du er godkendt eller ej.<\/li>\n\n\n\n<li><strong>Brug pengene som du vil.<\/strong> Du bliver ikke spurgt om, hvad pengene skal bruges til.<\/li>\n<\/ul>\n\n\n\n<ul class=\"dislike is-style-cons-list\">\n<li><strong>H\u00f8j rente.<\/strong> Fordi l\u00e5net er kortsigtet, er renten h\u00f8jere end ved <a href=\"https:\/\/financer.dk\/laan-penge\/forbrugslaan\/\">almindelige forbrugsl\u00e5n<\/a>.<\/li>\n\n\n\n<li><strong>Kun sm\u00e5 bel\u00f8ber. <\/strong>L\u00e5net egner sig ikke til st\u00f8rre investeringer.<\/li>\n<\/ul>\n\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>S\u00e5dan sparer du <span class=\"compare-amount\">22.323,00 kr. <\/span> p\u00e5 dit l\u00e5n<\/h3>\n\t\t\t\t<p>Prisforskellen for et 10.000,00 kr. l\u00e5n i 90 dage er 22.323,00 kr..<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.dk\/laan-penge\/resultat\/?query=1&filter_non_affiliate=1&param_amount=10000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Find ud af hvordan <\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Br_du_tage_et_mikroln\">B\u00f8r du tage et mikrol\u00e5n?<\/h2>\n\n\n\n<p>Det kommer an p\u00e5 din individuelle situation.<\/p>\n\n\n\n<p>Hvis du har mulighed for at tr\u00e6kke p\u00e5 din egen opsparing, vil det sandsynligvis v\u00e6re billigere end et mikrol\u00e5n.<\/p>\n\n\n\n<p>Der findes dog situationer, hvis et mikrol\u00e5n er din bedste mulighed.<\/p>\n\n\n\n<p>Uanset hvad, b\u00f8r du overveje det grundigt, f\u00f8r du optager et mikrol\u00e5n eller enhver anden type l\u00e5n. Har du ingen betydelig indt\u00e6gtskilde, er det ikke en god id\u00e9 at l\u00e5ne.<\/p>\n\n\n\n<p>Her finder du 3 eksempler p\u00e5 l\u00e5n, der m\u00e5ske kunne v\u00e6re et bedre alternativ til de dyre mikrol\u00e5n. <\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>L\u00e5neudbyder<\/th><th>L\u00e5nebel\u00f8b<\/th><th>Rente<\/th><th>\u00c5OP<\/th><th>L\u00f8betid<\/th><th>Alderskrav<\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/kreditnu\/\">KreditNU<\/a><\/strong><\/td><td>4.000 &#8211; 25.000 DKK<\/td><td>Ingen rente (Kreditaftale)<\/td><td>24,87%<\/td><td>24 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/bank-norwegian\/\">Bank Norwegian<\/a><\/strong><\/td><td>5.000 &#8211; 400.000 DKK<\/td><td>8,83% &#8211; 23,13%<\/td><td>8,83% &#8211; 23,13%<\/td><td>12-180 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><tr><td><strong><a href=\"https:\/\/financer.dk\/selskab\/lendme\/\">LendMe<\/a><\/strong><\/td><td>10.000 &#8211; 400.000 DKK<\/td><td>3,60 &#8211; 20,95%<\/td><td>4,11 &#8211; 21,77%<\/td><td>12-180 mdr.<\/td><td>23 \u00e5r<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Hvad koster et mikrol\u00e5n?<\/h4><div class=\"faq_inner\"><p>Kun f\u00e5 mikrol\u00e5n har oprettelsesgebyrer, s\u00e5 du skal kun betale renter p\u00e5 l\u00e5net.<\/p><p>Nogle l\u00e5neudbydere har en m\u00e5nedlig rentebetaling, som normal er p\u00e5 mellem 12 og 20% af l\u00e5nebel\u00f8bet per m\u00e5ned.<\/p><p>S\u00e5 hvis du har\u00a0<a href=\"https:\/\/financer.dk\/laan-penge\/laan-5000-kr\/\">l\u00e5nt 5.000 kr.<\/a>\u00a0og den m\u00e5nedlige rentebetaling er 20%, skal du alts\u00e5 mindst betale 1.000 kr. i rente om m\u00e5neden.<\/p><p>Betaler du f.eks. 2.000 kr. tilbage den f\u00f8rste m\u00e5ned, vil dit l\u00e5nebel\u00f8b v\u00e6re faldet til 4.000 kr. Dermed falder din m\u00e5nedlige rentebetaling ogs\u00e5.<\/p><p><em>V\u00e6r opm\u00e6rksom p\u00e5, at l\u00e5neudbyderne ikke altid bruger den samme model, s\u00e5 l\u00e6s derfor betingelserne hos din \u00f8nskede l\u00e5neudbyder, f\u00f8r du ans\u00f8ger<\/em>.<\/p><\/div><h4>Hvor hurtigt f\u00e5r jeg l\u00e5net udbetalt?<\/h4><div class=\"faq_inner\"><p>Du f\u00e5r typisk l\u00e5net ud betalt med det samme du er godkendt. Det g\u00e6lder\u00a0<a href=\"https:\/\/financer.dk\/laan-penge\/udbetaling-i-weekenden\/\">ogs\u00e5 i weekenden<\/a>\u00a0for de fleste l\u00e5neudbydere.<\/p><\/div><h4>Kan jeg tage et mikrol\u00e5n trods RKI?<\/h4><div class=\"faq_inner\"><p>Nej, det kan du ikke. Der er i \u00f8jeblikket ingen udbydere af mikrol\u00e5n, der vil udstede l\u00e5n til dig, hvis du st\u00e5r i RKI.<\/p><\/div><h4>Kan jeg virkelig tage et mikrol\u00e5n gratis?<\/h4><div class=\"faq_inner\"><p>Nej, der er i \u00f8jeblikket ingen l\u00e5ngivere, der tilbyder gratis mikrol\u00e5n.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Billige mikrol\u00e5n online Mangler du et mindre pengebel\u00f8b, og kan du betale pengene tilbage hurtigt? S\u00e5 kan et mikrol\u00e5n online\u2026 <\/p>\n","protected":false},"author":25,"featured_media":19511,"parent":2420,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","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},"categories":[55],"tags":[712],"_links":{"self":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/2669"}],"collection":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/comments?post=2669"}],"version-history":[{"count":47,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/2669\/revisions"}],"predecessor-version":[{"id":78462,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/2669\/revisions\/78462"}],"up":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/pages\/2420"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media\/19511"}],"wp:attachment":[{"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/media?parent=2669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/categories?post=2669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.dk\/wp-json\/wp\/v2\/tags?post=2669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}