A 10,000 euro loan is one of the most frequently requested amounts. Compare the best Finnish lenders on one page and see who offers you the lowest effective annual rate.
Try how much the loan costs per month. The result is indicative.
Esimerkki: Kun lainasumma on —, korko — ja takaisinmaksuaika —, kuukausierä on —, lainan kokonaiskulut — sekä takaisinmaksettava summa yhteensä —.
A 10,000 euro loan suits larger purchases and projects: buying a car, kitchen or bathroom renovation, consolidating larger debts. It is enough for most household projects. The most popular repayment period is 5 years, when the monthly payment is typically 200–220 euros.
The examples below are indicative. The actual interest rate and monthly payment are determined by the applicant's creditworthiness.
| Loan period | Effective annual rate | Monthly payment | Total to be repaid |
|---|---|---|---|
| 2 vuotta | 8,9 % | 457 € | 10 970 € |
| 3 vuotta | 8,9 % | 317 € | 11 412 € |
| 5 vuotta | 8,9 % | 207 € | 12 432 € |
| 7 vuotta | 8,9 % | 160 € | 13 463 € |
Pohjoismainen pankki, joka tarjoaa kilpailukykyiset kulutusluotot suurillekin summille ilman vakuutta. Päätös usein samana päivänä.
Loan example: €20,000 loan, repayment period 10 years, effective annual rate 11.9%, monthly installment approx. €286.
Pohjoismainen digipankki, jonka Joustoluotto antaa luottorajan 100 – 5 000 €. Korkoa vain käytetystä summasta ja jopa 3 maksuvapaata kuukautta vuodessa.
Loan example: €2,000 flex credit, repayment period 60 months, nominal rate 14.90% + reference rate 2.50%, monthly fee (depending on credit limit). Monthly installment approx. €62.64. Example for €5,000 credit: monthly installment €137.84, total cost €8,270.40, effective annual rate 24.25%.
Joustava norjalainen digipankki, jolta saat lainan 500 – 50 000 € erittäin pitkällä takaisinmaksuajalla.
Loan example: €15,000 loan, repayment period 8 years, effective annual rate 12.5%, monthly installment approx. €246.
Ruotsalaistaustainen pankki, joka tarjoaa vakuudellisen kulutusluoton ja yhdistelylainan asunnon vakuutta vastaan – joustavat ehdot ja yksilöllinen arvio. Hyväksyy myös maksuhäiriömerkinnät, kun vakuutena on oma asunto.
Loan example: €30,000 secured consumer credit, repayment period 15 years (180 installments), nominal rate 8.45%, effective annual rate 9.00%, opening fee €100, monthly fee €2.50. Total cost of the loan approx. €53,411, monthly installment approx. €297.
You need regular income (salary, pension, entrepreneur income), clean credit, and typically at least 20 years of age. Some lenders require minimum income of 1,500–2,000 €/month.
We recommend the shortest period at which the monthly payment fits your budget. 5 years is the most common compromise – shorter saves interest, longer reduces the monthly burden.
Yes. Finnish consumer protection law guarantees the right to early repayment for all loans under 10,000 euros without extra fees. For loans of 10,000 euros or more a small compensation may apply, but it is typically less than 1 %.
Compare offers and apply at the lowest rate.