Get a loan from 1909!
How do I apply for a loan?
The procedure for applying via the website.
- Quickly and securely. If you want to apply for a loan via our website, you must be registered and logged in. If you have not yet registered on our site, just click on "Nýskrá" and fill in your details. Then simply log in by clicking on "Innskrá", choose the amount of your loan and the repayment due date, agree to the contractual documentation and press "Senda umsókn".
Application by sending SMS to 1909
- It has never been easier.
- Just write a text message with “XXXXX” (the loan amount) XX (number of days for loan period)
If you want to get a loan for 20,000 kr. for a 30-day loan period, send: 20000 30
If you want to get a loan for 20,000 kr. for a 15-day loan period, send: 20000 15
- After a few seconds you will receive a response to your loan application by text message.
Frequently asked questions
I am not able to send SMS to the phone number 1909. What should I do?
Vinsamlegast hafðu samband við þjónustuver okkar í síma 577-1909 eða sendu tölvupóst á email@example.com
What happens when I do not pay an instalment on time?
If your loan is past due or you know that you will not be able to make your loan payment on time, please contact our customer service team at 577-1909 to work out a resolution for your situation. If you don't pay your loan on time and don't contact us to resolve your situation, the loans will go into collection according to the commercial terms and conditions. That process might result in added fees.
I have a loan that is past its due date, can I get an additional loan?
No, unfortunately. If you are late in paying off an existing loan, we cannot provide you with a new one.
Today is the due date for my loan. Can I extend the period for repaying it by a week?
No, unfortunately, but we offer an extension for 30 days on those loans that are not past its due date. You will receive an email about it two days before the due date, as you are invited to extend. If you want to extend it sooner, then you can contact us and we'll take care of it for you.
I do not have sufficient credit on my phone and I cannot send SMS to request a loan. What should I do?
You can easily apply for a loan on our website as well.
How do I repay my loan?
You will receive an invoice in your online banking, where all necessary details will be specified, and you can pay it off any time, but you must pay it off by the due date at the latest.
Will I get notified after I've paid my loan off
Yes, within 15 minutes of us receiving your payment, we'll notify you with a text message confirming that your loan payment has been successful.
If I register on your website, do I have to apply for a loan?
No, you can register with us without applying for a loan.
Can I apply for more than one loan at a time?
Yes, absolutely. If you have enough credit when you can apply for multiple loans. For example, a client with a 40.000 kr. credit limit can apply for two loans of 20.000 kr. each.
The company 1909 began its activity in 2012 with the goal of offering consumers effective and flexible solutions for short-term financing. We offer unsecured loans to individuals ages 20 and up. Loans can be applied for by text message or online. The company 1909 focuses on responsible lending and transparency.