"Best consumer loan" is not a clear-cut term – what is best depends on your needs. We help you find the consumer loan most suited to you based on an overall assessment.
Metrics for the "best" consumer loan vary by need: one values the lowest rate, another the largest loan amount, a third fast processing or flexible terms. Below we have gathered consumer loans that perform well overall – considering rate, terms, usability, and reliability.
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.
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.
A consumer loan is an unsecured loan for free use, typically granted for 500–70,000 euros. You do not need to tell the lender the purpose. The repayment period is usually 1–15 years.
There is no single best consumer loan. It is an overall assessment combining a low effective annual rate, flexible terms, transparent pricing and a good customer experience. Best also depends on the applicant's needs and situation.
Active payment defaults prevent most consumer loans from being granted. Older marks are often considered case by case. Compare the options on the "unsecured loan" page if your credit is not perfect.
Not necessarily. The cheapest loan can have inflexible terms: early repayment difficult, no payment-free months. When life changes, flexibility can save more than a few euros in interest per month.
Most modern consumer loans transfer funds to your account on the same day if you apply on a weekday morning or afternoon. For new customers, verification (with bank credentials) takes a few minutes.
All offers on one page – free and anonymous comparison.