If you have Icelandic social security number or Rafræn skilríki I think you shuld be able to take a loan out on either Netgíró or Aur. If that doesn't work I reccomend talking to the bank to see if you can take out a small loan. Here's from one of the banks https://www.arionbanki.is/einstaklingar/lan/skammtimalan/nulan/
Lukaski | I applied for this loan together with my wife. credit rating good credit in...