Refinancing is a service provided by Zen Finans, a registered loan intermediary with Finanstilsynet. The company has assisted over 250,000 Norwegians with the refinancing of debt, which in total amounts to more than NOK 7 billion. Zen Finans cooperates with more than 10 banks and offers a free and non-binding application process, where they compare offers from 13 different banks to find the best conditions for customers.
Customers have shown high satisfaction with the service, with 97% of them giving feedback a rating of 5 out of 5 stars. The processing time for applications is often fast, with completion within 1–3 working days. Zen Finans also offers the option of refinancing even for people with payment problems, and provides advice from experienced customer advisors to adapt solutions to individual needs.