Choose the best car loan for you from three different options

Hire Purchase

Buy a car with a fixed monthly interest rate and repayment

  • The car to be bought as collateral for financing
  • For all banks' customers
  • No predetermined maximum amount
  • Typical interest rate 5–8%
  • Kaikkien pankkien asiakkaille
Learn more

OP Tailored Consumer Credit

Apply for loan conveniently online and make a purchase wherever you want

  • No need for collateral or guarantors
  • Only for OP customers
  • Max. 30,000 euros
  • Personal interest rate 3.5–10.95% margin + 3-month Euribor
Learn more

Bank Loan

Secured one-off loan with a typically lower interest rate

  • Owner-occupied apartment or other assets as collateral
  • For all banks' customers
  • Over 20,000 euros - No predetermined maximum amount
  • Typical interest rate 3–5% + 12-month Euribor
Learn more

Compare loans with the car loan calculator

Calculate the costs of different loan options conveniently with the calculator and find the financing that suits you.

Try out the car loan calculator
The financing is granted by OP Retail Customers plc, OP Corporate Bank plc or OP cooperative bank, depending on the financing product.