Lainafy.com brings the best-known lenders together on one page so you can effortlessly compare rates, loan amounts and repayment periods. Comparison is always free, anonymous and without commitments.
Below is a list of Finland's best-known consumer loan providers. Filter with the menu below and pick the option that suits you best.
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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 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.
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.
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.
Virolainen P2P-rahoitusalusta, joka tarjoaa joustavaa Bondora-luottoa nopealla päätöksellä.
Loan example: €3,000 loan, repayment period 24 months, effective annual rate 18.4%, monthly installment approx. €150.
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.
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%.
Rates, monthly fees and terms are indicative. Final terms are determined based on an individual credit decision.
A consumer loan is a flexible financing solution that can be used freely without a specific purpose. Typical uses include:
Before you fill in an application, go through the following criteria:
Unsecured personal loans, typically €1,000 – €70,000 with a 1–15 year repayment period. Suitable for any need.
A smaller loan (usually €100 – €4,000) with a short repayment period. The decision often comes in minutes. Higher interest than a traditional consumer loan.
A credit line you can use as needed. You only pay interest on the credit used. Especially suitable for variable financing needs.
A larger loan you use to pay off several smaller debts. Read the loan consolidation guide.
Finnish lenders typically require:
Yes. Comparison is completely free and non-binding for the user. We receive a commission from the lenders, but this does not affect the rate or terms you receive.
No. Comparison alone is anonymous and leaves no trace in your credit record. Only the actual loan application triggers a credit check from the lender.
You will find loans from €100 to €70,000 in Lainafy's comparison. The exact amount is determined individually based on your income and credit record.
Most lenders make the decision the same day and the money is usually transferred within 1–3 business days. With instant loans, the money can be in your account in just a few minutes.
Almost all loans listed on Lainafy are unsecured, meaning you do not need collateral or a guarantor.
Yes, all consumer loans subject to Finnish consumer protection law can be paid off early without additional fees.