Home loan

Apply for home loan, calculate your loan or request an offer.

Buy-to-let home loan

A buy-to-let home loan is a popular means of financing buy-to-let investment. Apply for a buy-to-let home loan conveniently online.

Boat loan

Unsecured boat loan and other alternatives for boat financing. Apply for a boat loan online!

Motorcycle loan

Unsecured motorcycle loan and other options for financing a motorcycle. Apply for a motorcycle loan online!

Student loan

For many people, a student loan is a great way to fund their studies. Apply for a student loan and focus on your studies. 

Car loan

You can get a car loan of up to 15,000 euros without collateral.

Car finance

Apply for car finance and you will get a loan offer right away.

Consumer credit

Consumer loan is a loan that you can use to pay for your small or major purchases. Learn more and apply online.

All loans

From OP you can get a secured or unsecured loan conveniently. Fill in a loan application conveniently online.

Financial safety

Your life and the world around you can always change. Protect your personal finances against changes.

Long-term fixed interest rate

Choose a fixed-rate home loan to avoid changing interest rates. As our owner-customer, you can choose the long-term fixed rate for your home loan for up to 25 years.

Fixed interest rate period

Protect your home loan against a rise in interest rates through a fixed rate. You can choose a fixed interest rate period of less than 10 years for not only your new home loan but also your existing one.

Interest rate cap

An interest rate cap helps you to keep your loan interest expenses under control if interest rates vary. Read more about the interest rate cap and ask for a quote.

Home improvement loan

OP’s home improvement loan helps you complete home repairs, big or small. Apply for home improvement loan now!

Home construction loan

Build your dream home with a flexible construction loan. You can apply for home construction loan for building a holiday home or buy-to-let home as well.

Investment loan

With an investment loan, you can finance the purchase of a forest, shares, fund units or another investment. Read more.

ASP loan

As the first-time home buyer, you can receive a free-of-charge state guarantee for your ASP loan and state interest subsidy for up to 10 years. Learn more about the terms and conditions of the ASP loan and fill in a loan application.

Home loan calculator – calculate the monthly instalment of a home loan

Our home loan calculator helps you plan a loan period and a monthly repayment which are suitable for you.

Student loan calculator

With our student loan calculator you can easily calculate your student loan

Help with payment difficulties

If you have difficulties paying a loan, contact your bank well in advance. Often the difficulties can be solved.

Home loan interest rate

The costs of a home loan are made up of the selected reference interest rate, margin and costs related to the charged amount. Learn more about home loan costs.

Getting the best deal on your home loan

Shopping around for a home loan is worth it. You can find out whether you can get a loan better suiting your needs at a lower cost than your existing loans.

Government guarantee for a home loan and other guarantees

Information concerning government guarantees for home loans, guaranteeing a home loan and government guarantees for first-time home buyers, with examples. Read more!

Home loan collateral

The right time to think about home loan collateral is when applying for the loan. Read more about the types of assets that can serve as collateral for your home loan.

Repayment holiday

Apply for a repayment holiday or deferment month for your loan online. You can also easily change your loan repayment instalment and repayment date.

Homeowner loan

If your home is free from debt, you can get a reverse loan from OP. You will continue to own your home. Learn more!

Car loan calculator

The car loan calculator is handy when you are contemplating car financing. Familiarise yourself with the car loan calculator and calculate a suitable car loan for you.

Financing from OP’s partner dealerships

Apply for financing directly from our partner dealerships if you know where you’re buying. Financing up to EUR 50,000 for any bank’s customers Learn more and apply!

Flexibility in your daily finances

Get financing for surprise expenses or changes in income. There are many tools that offer flexibility for your everyday finances. Read on to learn how you can get spending money for surprise expenses.

Cottage loan

OP's holiday home loan is suitable for financing the purchase of a holiday cabin or another holiday home. Try out the holiday home loan calculator and apply for a holiday home loan conveniently online.

Unsecured loan

An unsecured loan is a convenient way of financing both large and small purchases. Apply for unsecured loan conveniently online.

Time to transfer loans to OP

Transfer consumer loans and hire purchase to OP, in addition to a home loan. Read more.

Loan-to-value ratio

Read more about the maximum loan-to-value ratio and self-financed amount, how they affect the amount of home loan you can get and how much you need to save yourself.

Home loan repayment

Read the instructions for the repayment of a home loan and secured loan.

Variable annuity and other loan repayment methods

This article explains what variable annuity is and what other home loan repayment methods exist.

Digitalisation of housing company share certificates – instructions for home owners

Electronic registration of ownership will replace housing company share certificates printed on paper. Read how and when you as a home owner can convert your share certificate into electronic form.

Positive Credit Register

Read more about what the positive credit register is and how it is used at OP Financial Group

Guide to buying a home in Finland if you are an immigrant

Have you just moved to Finland? Do you intend to move soon? This guide will tell you how to apply for a home loan and buy a home in Finland.

Filing a complaint or an appeal in banking, wealth management services and real estate agency services

Please contact first your own OP cooperative bank or another OP's service provider that served you. If no settlement can be reached, you can contact a customer ombudsman.

Information for Investors news-sheets

The Information for Investors news-sheets contain information that must by law be communicated to clients before providing investment services.

Best Execution at OP Financial Group

Best Execution Policy

Effect of costs on investment return document

OP acting as a Systematic Internaliser

Report on returns and costs of investment products and services

OP Corporate Bank Plc policy for foreign exchange trading and the execution of foreign exchange orders

This page describes the policies that OP Corporate Bank Plc undertakes to follow in foreign exchange trading and the execution of foreign exchange orders. The policies are based on the global principles of good practice in foreign exchange trading, the FX Global Code.

Investment benefits and charges and fees

Invest with OP without unnecessary expenses – always at low cost and maybe completely free. The fund subscription and redemption fee is €0 for owner-customers. Stock purchases from 0.05% (min. €3). Read more about investment benefits and charges and fees.

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Young person investing

Did you know that young people aged between 15 and 17 can save and invest independently on OP-mobile? The sooner you begin, the more you benefit. Start today!

OP Tailored Consumer Credit

You can apply for OP Tailored Consumer Credit without collateral. Credit starting from 2,000 euros up to 30,000 euros. Learn more and make an application online!

Flexible Consumer Credit

Unsecured Flexible Consumer Credit loans will no longer be granted. 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. Read about how you can make changes to Flexible Consumer Credit.

Bank loan

Secured, flexible one-off loan for larger purchases. Read more and apply for OP Bank Loan.

Special Consumer Credit

Unsecured Special Consumer Credit loans will no longer be granted. The repayment of current Special Consumer Credit loans will continue according to the repayment plan. Read about how you can make changes to credit.

Changes to OP's unsecured loans during the loan term

You can find the details of OP's unsecured loans handily at op.fi and in OP-mobile. See how you can make changes to your loan.

Changes to a bank loan

Check your bank loan details on op.fi or OP-mobile. You can also apply for a repayment holiday or changes to your repayment plan. Read more!

Costs of credit

There can be big differences between consumer credit costs. Read more about what they include and how to compare them.

Loan Calculators

Calculate a suitable loan for you.