Investment loan
Loan for investing in forest, shares or fund units.Owner-customer benefits will be renewed
As of 1 January 2026, we will increase OP bonus earnings, the number of products that earn you bonuses will increase, and you can choose how you use your bonuses. The default option is to use them as before – for banking service charges and insurance premiums. You can also invest your bonuses in funds via OP-mobile or take out your bonuses in cash. You will also get the renewed owner-customer benefits.
Read more about the changeReliable financing for your investment
OP provides you with financing for your investments that suits your needs.
Loan interest is set on a customer-specific basis
You can claim tax deductions for the loan interest, since the investment loan is a loan for earning income.
As an OP cooperative bank owner-customer, your loans will earn you OP bonuses
From 1 January 2026 onwards, you can choose how you use your OP bonuses. You can use OP bonuses to pay banking service charges and insurance premiums, invest in funds through OP-mobile or pay legal service fees, or you can take the bonuses as cash. The default selection is to use OP bonuses for banking service charges and insurance premiums.
What to finance through the investment loan?
Use our investment loan to finance the purchase of a forest, shares, fund units or another investment. Interest on your investment loan is currently tax-deductible.
Investment loan is a good option for you if:
- you have assets, such as a buy-to-let home or securities, which you can use as collateral.
- you are an experienced and profit-seeking investor and well aware of the risks associated with your investment instrument.
- you have sufficient repayment capacity. you can therefore pay the investment loan expenses in addition to all other expenses you have.
Secured bank loan for investing:
- You’ll get a personal loan offer after submitting your loan application.
- Loan term 5–15 years. The length depends on the type of investment.
- Fill in an application online. You don’t need to have an OP user ID.
- The repayment plan will be tailored to your needs.