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Get subscription-based credit

You can get DKK 10,000 or DKK 20,000 in credit for a monthly, variable price. Our solution is a transparent and clear way for you to obtain more money when you need it.

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Lunar Way is already available for you!

Transparent price, every month

We set a price in advance so you always know the amount you pay for the credit available to you. You only pay for the days the credit is available to you.

You can apply for and cancel the credit on a day-to-day basis

You will get a flexible credit, where you can opt to receive or cancel credit as required. All of this can be done directly from the Lunar Way app.

We do not require you to switch bank

You can easily be a Lunar Way user without having to switch bank or change anything in your current banking setup. It's easy, simple and with no obligation.

You will receive a response within 24 hours

You will receive a response within 24 hours. You can always contact our support team through the app if you have any questions.

How does it work exactly?

With access to our credit, you will always have an extra buffer if your bike is stolen or if you just need a spontaneous holiday.

At any time, you can opt to receive or cancel the credit depending on when you need it.

Choose a line of credit that suits your needs

As soon as you are approved as a user, you are free to choose between our two different credit solutions. What do you need?

Loan example: For a total credit facility of DKK 10,000 over a term of three months, the following amounts will be payable: A monthly variable payment (loan fee) of DKK 79, a variable loan rate of 0.00% and an APR of 10.17% at maximum utilisation. Total credit costs in the period will amount to DKK 237, and the total amount repaid will be DKK 10,237.


The credit facility is subject to a right of cancellation.

The credit facility is provided by Nykredit Bank.

10K

79 kr. /måned

  • Access to DKK 10.000
  • Apply/opt out day to day
  • Get a response within 24 hours
Apply now Apply now
Loan example: For a total credit facility of DKK 20,000 over a term of three months, the following amounts will be payable: A monthly variable payment (loan fee) of DKK 119, a variable loan rate of 0.00% and an APR of 7.57% at maximum utilisation. Total credit costs in the period will amount to DKK 357, and the total amount repaid will be DKK 10,357.



The credit facility is subject to a right of cancellation.

The credit facility is provided by Nykredit Bank.

20K

119 kr. /måned

  • Access to DKK 10.000
  • Apply/opt out day to day
  • Get a response within 24 hours
Apply now Apply now

Fast and easy

You can apply for credit directly through the Lunar Way app. Once you have applied, you will receive a response within 24 hours of your application being submitted.

  1. Tap “Need more money?”
  2. Apply for credit
  3. Complete the application flow
  4. Await response from our support team

Got questions?

Here's the most frequently asked

Is there credit on my account from the start?

Credit is not automatically available on your account. It is something you need to apply for once your account has been created. You can apply for credit as soon as you have accepted the agreements.

Is it possible to get credit when registered on the RKI register?

Unfortunately, it is not possible to use our subscription-based credit solution when you are on the RKI register. If you resolve your issues with them and are removed from the register, then you can reapply.

What credit options are offered?

We currently offer a DKK 10,000 and DKK 20,000 credit. These will both be granted in the form of an overdraft in your account.

Why did my credit application get rejected and when can I apply again?

Your credit application is reviewed by Nykredit and information about your credit score is unfortunately not passed on to us. However, what we can tell you is that your credit rating is significantly influenced by whether you are a member of an unemployment insurance fund, have a job and receive a regular income. In addition, your fixed expenditures in relation to your income are also important as well as your current debt history. If you have been rejected by Nykredit, you can apply again after three months or if there have been significant changes in your circumstances.

When must the credit be repaid and how much will be due for repayment? And how do I repay it?

You pay a monthly subscription, but you also decide yourself how much of your loan you want to repay. You determine the repayment amount yourself and pay it off by paying money into your account until the account balance is zero. Then you cancel the credit line and will no longer be required to make the monthly payments. You should be aware that you are required to pay for the credit line from the day it is available on your account. However, it can be easily canceled on a day-to-day basis as long as the account balance is in the black.

Can you process my credit application immediately?

Your application will be processed within 24 hours.

Can I also have an overdraft facility at another bank?

Yes, there is no issue with you having a credit line at another bank as well.

Check out more answers here

The explicit fine print

Here you will find an overview of our subscription-based credit solution. As with other digital services, it is both simple and transparent.

Credit facility of 10.000 Price
Setup fee 0 kr.
Prepaid loan fee 79 kr. / month
Variable loan rate 0 %
APR at 100% utilisation 10,17 %
APR at 50% utilisation 21,28 %
APR at 25% utilisation 46,63 %

Loan example: For a total credit facility of DKK 10,000 over a term of three months, the following amounts will be payable: A monthly variable payment (loan fee) of DKK 79, a variable loan rate of 0.00% and an APR of 10.17% at maximum utilisation. Total credit costs in the period will amount to DKK 237, and the total amount repaid will be DKK 10,237.


The credit facility is subject to a right of cancellation.

The credit facility is provided by Nykredit Bank.

Credit facility of 20.000 Price
Setup fee 0 kr.
Prepaid loan fee 119 kr. / month
Variable loan rate 0 %
APR at 100% utilisation 7,57 %
APR at 50% utilisation 15,67 %
APR at 25% utilisation 33,57 %

Loan example: For a total credit facility of DKK 20,000 over a term of three months, the following amounts will be payable: A monthly variable payment (loan fee) of DKK 119, a variable loan rate of 0.00% and an APR of 7.57% at maximum utilisation. Total credit costs in the period will amount to DKK 357, and the total amount repaid will be DKK 10,357.



The credit facility is subject to a right of cancellation.

The credit facility is provided by Nykredit Bank.