Getting a loan online
OP Tailored Consumer Credit
Fill in the online application - you don't need any collateral for the credit
- Unsecured one-off loan, money into your account in one go
- Max. 30,000 euros
- Personal interest rate a 3,5–10,95 % margin + a 3-month Euribor
- Loan application conveniently online
- Grace month once a year
- Only for OP customers
Flexible Consumer Credit
You can apply for credit conveniently online. No collateral needed.
- Unsecured revolving credit that you can draw down according to your needs.
- Max. 8,500 euros
- Interest rate 7.95% + 3-month Euribor
- Loan application conveniently online
- Grace month once a year
- Only for OP customers
Bank Loan
Secured one-off loan with a typically lower interest rate.
- You will receive a loan offer that suits your situation
- Starting from 10,000 euros
- Typical interest rate 3 - 5%
- The application is not binding on you
- A bank loan will earn OP bonuses to OP cooperative bank owner-customers
- For any bank's customers
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. For one-off needs, the secured Bank Loan and the unsecured OP Tailored Consumer Credit are suitable options. For more continuous credit needs, the unsecured Flexible Consumer Credit is a good option.
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, conveniently 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 can be a suitable solution for large purchases of over 10.000 euros. 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
An unsecured loan is suitable for financing purchases ranging from 2,000 to 30,000 euros. When applying for an unsecured loan, you don’t need collateral or guarantors, but you need to be a customer with OP.
You can apply for OP Tailored Consumer Credit and Flexible Consumer Credit in 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 within two banking days, at the latest. The money will be available on your account after you’ve accepted our loan offer.
Why is it a good idea to apply for loan online?
Applying for a loan online saves time and effort. You can apply for an unsecured loan conveniently online. 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