OP offers unsecured loans between 2,000 to 30,000 euros and secured loans starting from 20,000 euros. Once you have decided on a suitable loan option, you can apply for the loan conveniently online.
Consumer loan calculator
Calculate a suitable loan for you
Home loan
Loan amount: | € |
Scope of payment protection insurance: | € |
Insurance premium: | €/mo |
€/day |
The loan is secured against the car you have bought |
- The loan is secured against the car you have bought
- Suitable for all banks' customers
- Preliminary financing decision at once
- Suitable for all banks' customers
- Preliminary financing decision at once
- Interest rate: %
- Effective interest rate: %
- Number of repayments: repayments
Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor. |
- Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
- Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
- Credit decision issued immediately or within two banking days.
- Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
- Credit decision issued immediately or within two banking days.
- Interest rate: % *
- *The calculator uses 6.95% + a 3-month Euribor as a default margin. A more precise margin of your loan will be indicated in the application phase.
- Reference interest rate:
- Effective interest rate: %
- Number of repayments: repayments
You need collateral for the loan, such as an owner-occupied home. |
- You need collateral for the loan, such as an owner-occupied home.
- Suitable for one-off purchases of over €10,000
- We can customise a loan repayment plan for you
- Suitable for one-off purchases of over €10,000
- We can customise a loan repayment plan for you
- Interest rate: %
- Reference interest rate:
- Effective interest rate: %
- Number of repayments: repayments
Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor. |
- Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
- Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
- Credit decision issued immediately or within two banking days.
- Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
- Credit decision issued immediately or within two banking days.
- Interest rate: %*
- *The calculator uses 6.95% + a 3-month Euribor as a default margin. A more precise margin of your loan will be indicated in the application phase.
- Reference interest rate:
- Effective interest rate: %
- Number of repayments: repayments
You need collateral for the loan, such as an owner-occupied home. |
- You need collateral for the loan, such as an owner-occupied home.
- Suitable for one-off purchases of over €10,000
- We can customise a loan repayment plan for you
- Suitable for one-off purchases of over €10,000
- We can customise a loan repayment plan for you
- Interest rate: %
- Reference interest rate:
- Effective interest rate: %
- Number of repayments: repayments
Estimated student loan
€/mo
€
%
€
€
€
12 yrs
96 instalments
A student loan generates OP bonuses that are used, for example, for insurance premiums.
A student loan and other transactions entitling to OP bonuses bring value–for–money OP bonuses to OP owner–customers. Earned OP bonuses are used, for example, for banking services, insurance premiums and OP-Kiinteistökeskus real estate commissions. For example, you can pay your home insurance premium in part using OP bonuses earned through your student loan with us!
Besides OP bonuses, you as owner–customer can also make use of other benefits and discounts.
- The calculation is only suggestive. The loan offer made to you describes the loan interest rate and other terms and conditions in detail.
- Cover in case of disability and unemployment – helps in making monthly loan repayments.
- Cover in case of permanent handicap caused by an accident and of death – pays off the balance of the insured person's loan.
A bank loan is one-off credit. If the 12-month Euribor is 3.701% (June 7, 2024) and the loan’s interest rate is a 3.9% margin plus the 12-month Euribor, the effective interest rate on a bank loan of 10,000 euros with a five-year repayment period will be 9.1%. A monthly servicing fee of 2.50 euros per month will be charged. An origination fee of 120 euros will be payable when the loan is drawn down. The estimated total amount payable will be 12,350.48 euros.
This calculation is based on the assumption that the entire loan has been drawn down, the loan interest rate, fees and charges are constant throughout the loan term, and the loan is repaid in equal instalments of 203,84 eur.s each month. The bank loan is granted by an OP cooperative bank.
Example calculation for a loan of 10 000 euros:
Loan with a personal margin of 3,5 per cent + a 3-month Euribor (2,92 %, 2.12.2024)
OP Tailored Consumer Credit is a one-off loan. Its effective interest rate for a loan of 10 000 euros with a 5-year payback period would be 7,71 % if the personal margin were 3,5 % and the loan servicing fee 6 euros per month.
The estimated total amount payable would be 11 974,57 euros. This calculation is based on the assumption that the loan is drawn down in a lump sum and the loan interest and charges and fees remain unchanged throughout the loan term. It further assumes that the loan is repaid in monthly instalments of 210 euros up to and including the final instalment.
Loan with a personal margin of 6,5 per cent + a 3-month Euribor (2,92 %, 2.12.2024)
OP Tailored Consumer Credit is a one-off loan. Its effective interest rate for a loan of 10 000 euros with a 5-year payback period would be 10,79 % if the personal margin were 6,5 % and the loan servicing fee 6 euros per month.
The estimated total amount payable would be 12 773,50 euros. This calculation is based on the assumption that the loan is drawn down in a lump sum and the loan interest and charges and fees remain unchanged throughout the loan term. It further assumes that the loan is repaid in monthly instalments of 225 euros up to and including the final instalment.
Loan with a personal margin of 10,95 per cent + a 3-month Euribor (2,92 %, 2.12.2024)
OP Tailored Consumer Credit is a one-off loan. Its effective interest rate for a loan of 10 000 euros with a 5-year payback period would be 15,48 % if the personal margin were 10,95 % and the loan servicing fee 6 euros per month.
The estimated total amount payable would be 14 079,16 euros. This calculation is based on the assumption that the loan is drawn down in a lump sum and the loan interest and charges and fees remain unchanged throughout the loan term. It further assumes that the loan is repaid in monthly instalments of 245 euros up to and including the final instalment.
The loan is granted by OP Retail Customers Plc.