Loan Calculators

: Are you dreaming of a home, car, renovation or studying? With a loan calculator, you can outline a loan that suits your needs and its properties. You can also test the effect of interest rates on the monthly loan instalment. You will receive an indicative calculation of the loan costs with various loan terms right away.

What do you need a loan for?

Apartment

Plan the purchase of a home or buy-to-let home with the home loan calculator.

Everyday purchases

Plan other purchases with a consumer credit calculator.

Holiday home

Plan the purchase of a holiday home or cabin with the home loan calculator.

Studies

With a student loan calculator, you can see how the loan amount affects the upcoming repayment amount.

Vehicle

Plan the purchase of a car, motorcycle, boat or other vehicle with the car loan calculator.

Did you know that, as an OP cooperative bank owner-customer, you earn value-for-money OP bonuses on your home loan, student loan and secured bank loan? As an owner-customer, you will get 40% more OP bonuses than normal in 2024.

Worried about climbing interest rates?

Interest rate cap sets a maximum for your loan’s reference interest rate but you will also benefit from falling interest rates.

Once you have calculated a suitable loan with the loan calculator, you can easily apply for a loan online. You can even sign the loan agreements conveniently at home, if you so wish, because all loan negotiations and signatures can be made online. For the electronic signature, you need OP's credentials. Note that a student aged at least 18 can apply for a student loan and sign it by logging into op.fi – no loan negotiations at a branch are required.