Loans and homes

You can get a loan from us for small and big purchases, whether it is the question of buying a car or a home or financing studies. Learn more about our loan options and fill in a loan application conveniently online, and we will contact you.

  • Flexibility to your life

  • Fair and competitive interest rate

  • Loyalty benefits and OP bonuses for your loan

What is the purpose of your loan?

Home loan
Permanent home, holiday home, housing company loan, construction or renovation
Student loan
Carefree student life with a student loan
Motor vehicle
Car, motorbike, boat or commercial vehicle
Transfer of loans
Combining several loans into one or transferring a loan to OP
All loans
Home improvement, travel, leisure-time, health or other purpose



Buying your first home?

Learn more about the guide for first-time home buyers! (in Finnish)


Home loan, car loan, student loan and bank loan are granted by the OP cooperative bank. The hire purchase financing for car is granted by the OP Corporate Bank plc. Special Consumer Credit and Flexible Consumer Credit are granted by the OP Card Company Plc. The corporate loan is granted by an OP cooperative bank or OP Corporate Bank plc. OP Koti realtor services available throughout Finland.