Ending bad loans and lowering costs for the unbankable.
Challenging growing indebtedness
Nstart offers a unique and sustainable debt consolidation solution, drastically lowering the over-indebted consumer’s costs, setting her on a path towards financial inclusion.
We use real-time data, machine-learning and groundbreaking methods to predict and steer consumer ability to repay, generating superior credit risk control.
Since 2016, we’ve helped thousands to lower their costs and regain control of their finances.
55%
Growth per year since 2017
2 Markets
Norway and Sweden
4.6
Trustpilot score
Become a customer
A unique customer proposal
A financial recovery solution for individuals bluntly profiled as high-risk/subprime borrowers by legacy credit scorings
Consolidating all existing loans and credit into one lower-priced unsecured loan
100% refinancing of old debt – no new debt
Automatically replacing all existing loans on behalf of the customer - no money is payed out
Launching savings - Stop taking up loans and credits - start saving money with Nstart
Strong customer benefits
Drastically improving the customer’s financial situation by lowering costs
Applying clear demands and rewarding good payment behavior
Gradually strengthening customer creditworthiness and official credit scores
Offering a new way towards financial inclusion and stability
Disrupting legacy credit models
Developing and using new technology and methodology for superior risk control - transforming high risk customers into low risk
AI-powered risk analytics engine and lending model generating deeper real-time insights
Deep screening of applicant’s cash flows and risk to predict ability and willingness to repay
Credit allowance m including P2P personal interaction with each customer
Scaling up
Distribution growth – new market launches and new partnerships
AI-powered risk analytics engine and lending model generating deeper real-time insights
Efficient funding – financial sustainability and competitiveness using low-cost funding
