A 500 euro loan is suitable for small and unexpected expenses. Compare the best offers on one page and get a decision often in minutes.
Try how much the loan costs per month. The result is indicative.
Example: When the loan amount is —, the interest rate is — and the repayment period is —, the monthly payment is —, total loan cost is — and the total amount to be repaid is —.
A €500 loan is typically intended for small unexpected expenses: car servicing, a doctor's visit, a bill payment, or other urgent needs. It suits you if you need a small amount quickly and don't want to commit to a long-term loan. €500 is typically repaid over 3–24 months. In Finland €500 falls into the instant loan and small consumer loan category – applying usually takes under 10 minutes with online banking credentials, and the money is typically in your account the same day.
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 instalment | Total to be repaid |
|---|---|---|---|
| 6 mo | 12,9 % | 87 € | 522 € |
| 1 year | 12,9 % | 45 € | 536 € |
| 2 years | 12,9 % | 24 € | 568 € |
Applying for a €500 loan is fast – the whole process typically takes under 15 minutes from filling in the application to receiving the money. Here's how to proceed:
€500 loans in Finland are offered primarily by instant loan companies and providers specialising in smaller consumer credits. Recommended options below:
A €500 loan is suitable when you have a single clear expense you can pay back over 6–12 months without straining the rest of your finances. A good rule of thumb: the monthly instalment shouldn't exceed 10 % of your net income so it doesn't interfere with other fixed costs.
€500 is not the right solution if you need recurring financing – then a revolving credit or a larger one-off loan can be cheaper in total cost. It also doesn't solve long-term financial problems; if you notice yourself taking small instant loans regularly, financial counselling or debt consolidation is worth considering.
In percentage terms, small loans are almost always more expensive than larger ones – the lender's administrative costs are spread over a small principal, which raises the effective annual rate. A €500 loan's APR in Finland is typically 15–30 %, while a €10,000 loan's is 6–10 %. In euros the total cost stays small though: with a 6-month repayment period a €500 loan costs about €520–540 total, only €20–40 more than the loan amount.
Pohjoismainen digitaalinen lainanantaja, joka tarjoaa joustavia lainoja 100 – 10 000 € nopealla päätöksellä.
Loan example: €2,000 loan, repayment period 24 months, effective annual rate 29.7%, monthly installment approx. €110.
Suomalaislähtöinen Multitude Bank, joka tarjoaa sekä pikalainoja että suurempia kulutusluottoja 100 – 20 000 €.
Loan example: €5,000 loan, repayment period 36 months, effective annual rate 16.8%, monthly installment approx. €178.
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.
Yes, if you have clean credit and regular income. Active payment defaults usually prevent getting the loan.
Most lenders transfer the money to your account even the same day if you apply on a weekday before afternoon. With some instant loans the money can be in your account within 15 minutes of application approval.
In percentage terms small loans are usually more expensive than larger ones because administrative costs are spread over a small principal. Always compare based on the effective annual rate. In euros €500 typically costs €20–70 over a 6–24 month repayment period.
Comparison alone on Lainafy does not appear in your credit record. When you make an actual loan application, the lender makes a credit check which appears in your report for 24 months. A single check does not significantly lower your creditworthiness.
Yes. All consumer loans under 10,000 euros granted in Finland have a statutory right to early repayment without extra charges.
Lender-specific age limits are typically 20–25 years. Some instant loan companies accept an 18-year-old's application if regular income is available.
Yes. Regular income is enough – this can be from employment, entrepreneurship, pension or other regular income. Some lenders also accept fixed-term contracts or freelance income.
An instant loan is usually granted in minutes and repaid over 1–3 months at a higher rate. A consumer loan is designed for longer repayment (6–24 months) and its APR is typically lower. At €500 both options are available.
Compare offers and apply at the lowest rate.