Flexible Consumer Credit will no longer be granted

 

Flexible Consumer Credit will no longer be granted in OP-mobile or on the op.fi service as of 25th of March 2025. The existing Flexible Consumer Credit may still be used normally. The repayment of your current Flexible Consumer Credit will continue according to the repayment plan. You can still make changes to the instalment and due date of Flexible Consumer Credit.

Read the instructions on making changes

Select the most suitable alternative for Flexible Consumer Credit

OP Tailored Consumer Credit

An unsecured loan drawn down at once for financing larger purchases or unexpected situations.

  • 2,000–30,000 euros
  • Personal interest rate with a 3.95–10.95% margin + a 3-month Euribor
  • Online credit decision
  • Only for OP customers
Read more

OP’s credit card

The card’s credit facility provides flexibility as needed. Average interest-free payment term of 35 days.

  • 2,000–20,000 euros
  • Interest of 8.95% + 3-month Euribor when the credit has debt with interest
  • Online card application and credit decision
  • Only for OP customers
Read more
The loan is granted by the OP Retail Customers plc.
How to make changes to your loan
You can find your loan details on op.fi and OP-mobile. Read how you can personally make changes to unsecured loans.