{"id":17,"date":"2026-05-11T09:00:08","date_gmt":"2026-05-11T09:00:08","guid":{"rendered":"https:\/\/www.lainafy.com\/mita-lainan-kilpailutus-tarkoittaa\/"},"modified":"2026-05-12T08:32:28","modified_gmt":"2026-05-12T08:32:28","slug":"mita-lainan-kilpailutus-tarkoittaa","status":"publish","type":"post","link":"https:\/\/www.lainafy.com\/en\/mita-lainan-kilpailutus-tarkoittaa\/","title":{"rendered":"Loan comparison 2026 \u2013 How to find the cheapest loan"},"content":{"rendered":"<p>Loan comparison is the easiest way to save hundreds \u2013 sometimes thousands \u2013 of euros over the lifetime of a loan. In this guide we explain step by step how to compare loans correctly, what numbers to focus on, and where to find the best offer effortlessly.<\/p>\n<h2>What does loan comparison mean?<\/h2>\n<p>Loan comparison means evaluating offers from different lenders using the same parameters \u2013 the same loan amount, the same repayment period, and the same conditions. The goal is to find the cheapest loan for you and save on interest costs.<\/p>\n<p>Comparison can be done in two ways:<\/p>\n<ul>\n<li><strong>Individually:<\/strong> you request offers from each lender separately.<\/li>\n<li><strong>Through a comparison service:<\/strong> you see multiple offers on the same page \u2013 much faster.<\/li>\n<\/ul>\n<h2>Why is loan comparison worth it?<\/h2>\n<p>Interest rate differences between lenders can be several percentage points for the same person. In practice, this means hundreds or even thousands of euros in savings.<\/p>\n<h3>Example: \u20ac20,000 loan, 10-year repayment period<\/h3>\n<ul>\n<li>6.5% rate: monthly installment approx. <strong>\u20ac227<\/strong>, total interest <strong>\u20ac7,240<\/strong>.<\/li>\n<li>12% rate: monthly installment approx. <strong>\u20ac287<\/strong>, total interest <strong>\u20ac14,440<\/strong>.<\/li>\n<\/ul>\n<p>That&#8217;s over <strong>\u20ac7,000<\/strong> difference \u2013 same amount, same period, but completely different price. That&#8217;s why comparison absolutely pays off.<\/p>\n<h2>How to compare loans \u2013 4 steps<\/h2>\n<h3>1. Decide loan amount and repayment period<\/h3>\n<p>Think about how much you actually need and what monthly installment you can afford. General rule: all your loan installments combined should not exceed <strong>30% of your net income<\/strong>.<\/p>\n<h3>2. Compare effective annual interest rates<\/h3>\n<p>Don&#8217;t look at the nominal rate alone \u2013 it doesn&#8217;t show the full price. <a href=\"\/?lang=en\/todellinen-vuosikorko-vs-nimelliskorko\/\">The effective annual rate<\/a> includes all costs and is the only number that tells you the true price of a loan.<\/p>\n<h3>3. Check the lender&#8217;s reliability<\/h3>\n<p>Only consider lenders registered with the Finnish Financial Supervisory Authority. On Lainafy.com, all partner lenders are always supervised.<\/p>\n<h3>4. Apply in minutes<\/h3>\n<p>Once you&#8217;ve chosen the cheapest loan, fill in the application directly with the lender. The application is usually online and a decision often comes the same day.<\/p>\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>Does comparison affect my credit record?<\/h2>\n<p>Just comparing loans on a comparison service is anonymous and leaves no trace on your credit record. A credit check is only made when you submit an actual application. A single inquiry doesn&#8217;t significantly affect your credit rating, but multiple applications in a short time can be seen negatively.<\/p>\n<h2>Tips for a cheaper loan<\/h2>\n<ul>\n<li><strong>Keep your credit record clean.<\/strong> Pay bills on time.<\/li>\n<li><strong>Don&#8217;t apply for too many loans at once<\/strong> \u2013 multiple simultaneous applications can look suspicious.<\/li>\n<li><strong>Think about a realistic monthly installment<\/strong> \u2013 over 30% of net income often leads to trouble.<\/li>\n<li><strong>Use a comparison service<\/strong> \u2013 saves time and effort.<\/li>\n<li><strong>Always compare the effective annual rate<\/strong>, not the nominal rate.<\/li>\n<\/ul>\n<h2>Frequently asked questions<\/h2>\n<h3>How often can a loan be compared?<\/h3>\n<p>You can compare as often as you want. Just comparing doesn&#8217;t affect your credit record, so feel free to explore different options.<\/p>\n<h3>Where do I find the best loans?<\/h3>\n<p>Lainafy.com collects the most popular consumer loans operating in Finland on a single page. You can compare rates, loan amounts and repayment periods side by side.<\/p>\n<h3>Is comparison free?<\/h3>\n<p>Yes. The comparison service is always free for the user \u2013 the service receives a commission from lenders, but this does not affect the rate you receive.<\/p>\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","protected":false},"excerpt":{"rendered":"<p>Loan comparison can save you hundreds of euros. Read this 4-step guide on how to compare loans properly and find the best offer.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-17","post","type-post","status-publish","format-standard","hentry","category-lainat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lainan kilpailutus 2026 \u2013 N\u00e4in l\u00f6yd\u00e4t edullisimman lainan - 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\/mita-lainan-kilpailutus-tarkoittaa\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lainan kilpailutus 2026 \u2013 N\u00e4in l\u00f6yd\u00e4t edullisimman lainan - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Loan comparison can save you hundreds of euros. Read this 4-step guide on how to compare loans properly and find the best offer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lainafy.com\/mita-lainan-kilpailutus-tarkoittaa\/\" \/>\n<meta property=\"og:site_name\" content=\"Lainafy\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-11T09:00:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-12T08:32:28+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Kirjoittanut\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Arvioitu lukuaika\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuuttia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#\\\/schema\\\/person\\\/d4b0cd736f5703f3df0a2768c92a81f2\"},\"headline\":\"Loan comparison 2026 \u2013 How to find the cheapest loan\",\"datePublished\":\"2026-05-11T09:00:08+00:00\",\"dateModified\":\"2026-05-12T08:32:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/\"},\"wordCount\":463,\"commentCount\":0,\"articleSection\":[\"Loans\"],\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/\",\"name\":\"Lainan kilpailutus 2026 \u2013 N\u00e4in l\u00f6yd\u00e4t edullisimman lainan - Lainafy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\"},\"datePublished\":\"2026-05-11T09:00:08+00:00\",\"dateModified\":\"2026-05-12T08:32:28+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#\\\/schema\\\/person\\\/d4b0cd736f5703f3df0a2768c92a81f2\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/#breadcrumb\"},\"inLanguage\":\"fi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/mita-lainan-kilpailutus-tarkoittaa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Etusivu\",\"item\":\"https:\\\/\\\/www.lainafy.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Lainan kilpailutus 2026 \u2013 N\u00e4in l\u00f6yd\u00e4t edullisimman lainan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#website\",\"url\":\"https:\\\/\\\/www.lainafy.com\\\/\",\"name\":\"Lainafy\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lainafy.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fi\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lainafy.com\\\/#\\\/schema\\\/person\\\/d4b0cd736f5703f3df0a2768c92a81f2\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d8f3362b50841066cf5804b8620bd79071d8d632f7987123950245bd8db6209c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d8f3362b50841066cf5804b8620bd79071d8d632f7987123950245bd8db6209c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d8f3362b50841066cf5804b8620bd79071d8d632f7987123950245bd8db6209c?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\\\/\\\/www.lainafy.com\"],\"url\":\"https:\\\/\\\/www.lainafy.com\\\/en\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Lainan kilpailutus 2026 \u2013 N\u00e4in l\u00f6yd\u00e4t edullisimman lainan - Lainafy","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lainafy.com\/mita-lainan-kilpailutus-tarkoittaa\/","og_locale":"fi_FI","og_type":"article","og_title":"Lainan kilpailutus 2026 \u2013 N\u00e4in l\u00f6yd\u00e4t edullisimman lainan - Lainafy","og_description":"Loan comparison can save you hundreds of euros. 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