{"id":453,"date":"2026-06-27T19:36:45","date_gmt":"2026-06-27T19:36:45","guid":{"rendered":"https:\/\/www.lainafy.com\/vakuudeton-laina\/"},"modified":"2026-06-27T19:36:45","modified_gmt":"2026-06-27T19:36:45","slug":"vakuudeton-laina","status":"publish","type":"page","link":"https:\/\/www.lainafy.com\/en\/vakuudeton-laina\/","title":{"rendered":"Unsecured loan"},"content":{"rendered":"<p>An unsecured loan is a consumer credit that doesn&#8217;t require collateral or a guarantor. It can be used freely for any purpose. In this guide we explain what unsecured loans are, how they differ from secured loans, and where you get the best terms.<\/p>\n<h2>What is an unsecured loan?<\/h2>\n<p>An unsecured loan is a credit that doesn&#8217;t require pledged property (e.g. a home, car) or a guarantor. The lender&#8217;s only &#8221;security&#8221; is the applicant&#8217;s repayment ability and credit record.<\/p>\n<p>Unsecured loans are also called:<\/p>\n<ul>\n<li>Consumer loans<\/li>\n<li>Personal loans<\/li>\n<li>General-purpose loans<\/li>\n<\/ul>\n<h2>Differences between unsecured and secured loans<\/h2>\n<ul>\n<li><strong>Collateral:<\/strong> Unsecured doesn&#8217;t require any. Secured requires home, car or other property as pledge.<\/li>\n<li><strong>Loan amount:<\/strong> Unsecured \u20ac100 \u2013 \u20ac70,000. Secured can be up to a million euros (mortgage).<\/li>\n<li><strong>Rate:<\/strong> Unsecured rates are slightly higher because risk to the lender is higher.<\/li>\n<li><strong>Processing time:<\/strong> Unsecured decision in minutes, secured takes days.<\/li>\n<li><strong>Use:<\/strong> Unsecured always free-use, secured may be tied (e.g. mortgage to property).<\/li>\n<\/ul>\n<h2>Benefits of unsecured loans<\/h2>\n<ul>\n<li><strong>Fast processing<\/strong> \u2013 decision often the same day<\/li>\n<li><strong>No collateral risk<\/strong> \u2013 you don&#8217;t lose property if you can&#8217;t repay<\/li>\n<li><strong>Free purpose<\/strong> \u2013 use the money however you want<\/li>\n<li><strong>Flexible terms<\/strong> \u2013 repayment period 1\u201315 years<\/li>\n<li><strong>Completely online<\/strong> \u2013 no need to visit a bank<\/li>\n<\/ul>\n<h2>Drawbacks of unsecured loans<\/h2>\n<ul>\n<li><strong>Higher interest rate<\/strong> than secured loans<\/li>\n<li><strong>Smaller maximum amount<\/strong> \u2013 usually up to \u20ac50,000\u2013\u20ac70,000<\/li>\n<li><strong>Stricter credit requirements<\/strong><\/li>\n<\/ul>\n<div class=\"lainafy-cta-block\">\n<h3>Compare loans now<\/h3>\n<p>See all offers side by side \u2013 free and without commitment.<\/p>\n<p><a href=\"\/?lang=en#vertailu\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Start loan comparison \u2192<\/a><\/p>\n<\/div>\n<h2>Who is an unsecured loan good for?<\/h2>\n<p>An unsecured loan is a good choice if:<\/p>\n<ul>\n<li>You need a loan quickly<\/li>\n<li>You don&#8217;t want to pledge your property<\/li>\n<li>Loan amount is below \u20ac70,000<\/li>\n<li>You have regular income and clean <a href=\"\/?lang=en\/luottotiedot-ja-laina\/\">credit records<\/a><\/li>\n<li>You want flexibility in purpose<\/li>\n<\/ul>\n<h2>Where do you get the best terms?<\/h2>\n<p>The interest rate range for unsecured loans is wide \u2013 from <strong>5% to 49%<\/strong> depending on the lender and credit rating. That&#8217;s why <a href=\"\/?lang=en\/mita-lainan-kilpailutus-tarkoittaa\/\">comparison<\/a> is especially important for unsecured loans.<\/p>\n<h3>Tips for the best terms<\/h3>\n<ol>\n<li><strong>Compare <a href=\"\/?lang=en\/todellinen-vuosikorko-vs-nimelliskorko\/\">effective annual rates<\/a><\/strong> \u2013 not just nominal rates.<\/li>\n<li><strong>Keep credit records clean<\/strong> \u2013 payment defaults crash terms.<\/li>\n<li><strong>Strong income<\/strong> \u2013 permanent employment + regular income improves terms.<\/li>\n<li><strong>Suitable repayment period<\/strong> \u2013 not too long, not too short.<\/li>\n<li><strong>Apply at the right time<\/strong> \u2013 don&#8217;t leave multiple open applications.<\/li>\n<\/ol>\n<h2>Loan amount and repayment period<\/h2>\n<p>Unsecured loans compared on Lainafy typically range:<\/p>\n<ul>\n<li><strong>Loan amount:<\/strong> \u20ac100 \u2013 \u20ac70,000<\/li>\n<li><strong>Repayment period:<\/strong> 1 month \u2013 15 years<\/li>\n<li><strong>Rate from:<\/strong> about 5% with the best credit records<\/li>\n<\/ul>\n<div class=\"lainafy-cta-block\">\n<h3>Save hundreds by comparing<\/h3>\n<p>Compare loans now \u2013 it takes less than a minute.<\/p>\n<p><a href=\"\/?lang=en#vertailu\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Start comparison \u2192<\/a><\/p>\n<\/div>\n<h2>Frequently asked questions<\/h2>\n<h3>Can I get an unsecured loan without credit records?<\/h3>\n<p>All Finnish lenders check credit records before granting a loan. Clean credit records are essentially a requirement for getting an unsecured loan.<\/p>\n<h3>Is an unsecured loan a bank loan?<\/h3>\n<p>Unsecured loans are granted by both traditional banks and digital lenders. Digital providers are often faster and more flexible.<\/p>\n<h3>What can an unsecured loan be used for?<\/h3>\n<p>The purpose is always free: renovation, car, wedding, holiday trip, unexpected expenses, or consolidating old loans.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unsecured loans don&#8217;t require collateral or guarantors. Read what it means, who it suits, and where you get the cheapest terms.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-laina-pillar.php","meta":{"footnotes":""},"class_list":["post-453","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vakuudeton laina - Lainafy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lainafy.com\/vakuudeton-laina\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vakuudeton laina - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Unsecured loans don&#039;t require collateral or guarantors. 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