Getting a loan online
Applying for a loan online is safe and easy. Read more about the alternatives offered by OP and apply for a loan with or without collateral.An online loan that meets your needs
When you need an online loan, always first contact your own bank for a loan offer. Whether you are planning to make minor renovations, buy a new car or to make other purchases, you can find a loan product that meets your needs in our selection of loans.
What kind of loan can I apply for?
You can apply for a loan from us online for various purposes. You can apply for a secured Bank Loan or unsecured Special Consumer Credit. For a regular need of credit, we offer unsecured Flexible Consumer Credit.
While online, you can also apply for a home loan or student loan as well as hire purchase financing for a car or home improvement financing directly from our partner retailers.
The most suitable option for you depends on your intended use of the loan, the amount of loan you need and whether you want a secured or unsecured loan. The loan options also differ from each other in terms of the rate of interest.
Take your time to read more about the options we provide and apply for a loan that suits you best, easily online whenever you need it.
Use the loan calculator to compare different loan options
Apply for a secured loan online – we’ll give you a loan offer
A secured loan is the best alternative for making larger purchases, since the loan amount that can be applied for starts from 10,000 euros and has no maximum limit. To apply for a secured loan online, you must have available collateral at your disposal.
In general, a residential property (such as an owner-occupied home, a buy-to-let home or a holiday home) is used as collateral. The home doesn’t need to be free from debt to be used as collateral for a loan. Other assets, such as forest, investments or savings, can also be used as collateral.
Apply for an unsecured loan online – you’ll get a loan decision immediately
An unsecured loan is suitable for financing purchases ranging from 2,000 to 15,000 euros. When applying for an unsecured loan, you don’t need collateral or guarantors, but you need to be a customer with OP.
If you need a loan straight away, apply for unsecured Special Consumer Credit or Flexible Consumer Credit. You can apply for a loan online using OP's credentials in either the op.fi service or on OP-mobile.
How do I apply for a loan without collateral?
To be able to apply online, you’ll need to answer a few questions about your financial situation on our online service. Our questions aim at determining your monthly income and expenses, whether you live in an owner-occupied home and how many persons there are in your household. At the same time, we’ll also check your credit history.
If you apply for a loan without collateral, you’ll receive a loan decision almost immediately. The money will be available on your account immediately after you’ve accepted our loan offer.
Read more and apply for Special Consumer Credit
Read more and apply for Flexible Consumer Credit
Why is it a good idea to apply for loan online?
Applying for a loan online saves time and effort. If you decide to apply for a loan without collateral online, you’ll get the money for the purchase you need with minimal waiting. If you plan to apply for a secured Bank Loan, the loan negotiations and signatures can take place electronically from start to finish, if you want.
In addition, you can conveniently compare different loan options online. You can use the loan calculator to determine how much loan without collateral you are eligible for and how long your loan term is if you pay low monthly instalments, for example. For a secured Bank Loan, you can compare the impacts of the loan amount, the loan term and the interest rate on your final loan sum.
It’s a good idea to apply for a loan online because:
- Visiting a bank branch is not needed. You can apply for a loan online whenever it is convenient for you.
- You can easily compare different loan products.
- You can compare borrowing costs anytime.
- The loan will adapt to your life situation, if needed.
Read more about all loan alternatives
Try out the loan calculator and apply for a loan that suits your needs