{"id":20,"date":"2026-05-11T09:00:08","date_gmt":"2026-05-11T09:00:08","guid":{"rendered":"https:\/\/www.lainafy.com\/lainojen-yhdistaminen-opas\/"},"modified":"2026-05-12T08:32:17","modified_gmt":"2026-05-12T08:32:17","slug":"lainojen-yhdistaminen-opas","status":"publish","type":"post","link":"https:\/\/www.lainafy.com\/en\/lainojen-yhdistaminen-opas\/","title":{"rendered":"Loan consolidation 2026 \u2013 Guide to consolidation loans"},"content":{"rendered":"<p>If you have several expensive small loans or credit card debts, you can significantly reduce your monthly expenses with a <strong>consolidation loan<\/strong>. This guide explains when consolidation makes sense, how to do it, and what risks are involved.<\/p>\n<h2>What is a consolidation loan?<\/h2>\n<p>A consolidation loan is one larger loan used to pay off your previous smaller loans and credit card debts. The goal is to:<\/p>\n<ul>\n<li>Lower the <strong>overall interest rate<\/strong> \u2013 small loans usually carry higher rates.<\/li>\n<li>Reduce the <strong>monthly installment<\/strong> \u2013 longer repayment period.<\/li>\n<li>Simplify <strong>finances<\/strong> \u2013 one payment instead of several.<\/li>\n<li>Save <strong>time and effort<\/strong> \u2013 no need to manage multiple loan agreements.<\/li>\n<\/ul>\n<h2>When does consolidation make sense?<\/h2>\n<p>Consolidation is often worthwhile if:<\/p>\n<ul>\n<li>You have <strong>several expensive small loans<\/strong> with effective annual rates above 20%.<\/li>\n<li>Credit card balances are high and you only pay the interest.<\/li>\n<li>Combined monthly installments are starting to hurt your finances.<\/li>\n<li>You can get the <a href=\"\/?lang=en\/todellinen-vuosikorko-vs-nimelliskorko\/\">effective annual rate<\/a> clearly lower than current.<\/li>\n<li>You don&#8217;t want to pay off in one go but continue regular repayment.<\/li>\n<\/ul>\n<h2>Example: savings from loan consolidation<\/h2>\n<h3>Starting situation<\/h3>\n<ul>\n<li>Instant loan 1: \u20ac2,000 \u00b7 24% rate \u00b7 \u20ac200\/month<\/li>\n<li>Instant loan 2: \u20ac3,000 \u00b7 20% rate \u00b7 \u20ac280\/month<\/li>\n<li>Credit card: \u20ac4,000 \u00b7 18% rate \u00b7 \u20ac150\/month<\/li>\n<li><strong>Total:<\/strong> \u20ac9,000 \u00b7 monthly installments \u20ac630<\/li>\n<\/ul>\n<h3>Consolidation loan<\/h3>\n<ul>\n<li>Loan amount: \u20ac9,000<\/li>\n<li>Effective annual rate: 8.5%<\/li>\n<li>Repayment period: 5 years<\/li>\n<li><strong>Monthly installment: approx. \u20ac185<\/strong><\/li>\n<\/ul>\n<p>Savings: <strong>\u20ac445\/month<\/strong> and significantly lower total interest costs.<\/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>How to consolidate loans \u2013 step by step<\/h2>\n<h3>1. List your current loans<\/h3>\n<p>Write down the remaining principal, interest rate and monthly installment for each loan. Include credit card balances too.<\/p>\n<h3>2. Determine the consolidation loan amount<\/h3>\n<p>Sum all the debts \u2013 this is the loan amount you need.<\/p>\n<h3>3. Compare consolidation loans<\/h3>\n<p>Compare offers from different lenders for the same loan amount. Focus on the effective annual rate, not the nominal rate.<\/p>\n<h3>4. Apply for the consolidation loan<\/h3>\n<p>Fill in the application with your chosen lender. State on the application that you&#8217;re using the money to pay off old loans \u2013 this improves your chances.<\/p>\n<h3>5. Pay off the old loans<\/h3>\n<p>Once you receive the loan, immediately pay off the old loans and credit card debts. Keep proof of every payment.<\/p>\n<h2>Risks and warnings<\/h2>\n<p>Although consolidation can bring savings, there are risks:<\/p>\n<ul>\n<li><strong>Longer repayment period<\/strong> can increase total interest costs, even if monthly installments decrease.<\/li>\n<li><strong>New debts<\/strong> \u2013 after consolidating, don&#8217;t take new small loans or you&#8217;ll be back where you started.<\/li>\n<li><strong>Collateral requirement<\/strong> \u2013 for larger consolidation loans, some lenders may require collateral.<\/li>\n<li><strong>Credit record<\/strong> \u2013 consolidation requires clean <a href=\"\/?lang=en\/luottotiedot-ja-laina\/\">credit records<\/a>.<\/li>\n<\/ul>\n<h2>Frequently asked questions<\/h2>\n<h3>Do I need a job to get a consolidation loan?<\/h3>\n<p>Most lenders require regular income. Permanent employment gives the best terms, but fixed-term work or self-employment may also qualify.<\/p>\n<h3>Can I get a consolidation loan with a payment default?<\/h3>\n<p>A payment default significantly complicates getting a loan. Most Finnish lenders don&#8217;t grant loans to people with payment defaults.<\/p>\n<h3>How large can a consolidation loan be?<\/h3>\n<p>Most lenders offer consolidation loans between \u20ac1,000 \u2013 \u20ac70,000. The exact amount is determined by your income and credit record.<\/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>A consolidation loan bundles multiple small loans and credit card debts into one cheaper loan. Read when consolidation makes sense and how to do it.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-20","post","type-post","status-publish","format-standard","hentry","category-kulutusluotot"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lainojen yhdist\u00e4minen 2026 \u2013 Opas yhdistelylainaan - 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\/lainojen-yhdistaminen-opas\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lainojen yhdist\u00e4minen 2026 \u2013 Opas yhdistelylainaan - Lainafy\" \/>\n<meta property=\"og:description\" content=\"A consolidation loan bundles multiple small loans and credit card debts into one cheaper loan. 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