Getting a loan online

It’s easy and safe to apply for a loan online. Read more about OP’s alternatives and apply for a loan with or without collateral.

Apply for loan online with or without collateral

When you need an online loan, always ask for a loan offer from your own bank first. You can apply for three different loans with us: a secured loan, unsecured Special Consumer Credit or unsecured Flexible Consumer Credit. Each of these alternative loans can be applied online if you have OP’s user ID.

A loan’s purpose of use affects which loan we recommend to a customer. A secured loan is the best choice for financing large purchases. When applying for it, you can use an owner-occupied home, a holiday home or securities as collateral, for instance. As for an unsecured loan, it is best suited for purchases of about 2,000–15,000 euros. When applying for an unsecured loan, you don’t need collateral or guarantors, but you need to be a customer with OP.

Familiarise yourself carefully with the different loan alternatives, as the loans have different maximum loan amounts and interest rates, among others. You can compare the loans with the easy-to-use loan calculator and apply for a loan online when you need it.

Compare loan alternatives

Apply for unsecured loan online – and get loan decision at once

If you need a loan straight away, apply for unsecured Special Consumer Credit or Flexible Consumer Credit. You can apply for these online either on the op.fi service or OP-mobile once you’ve decided the purpose of your loan and how much you need to borrow.
 
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 incomes and expenses, whether you live in an owner-occupied home and how many persons are included in your household. At the same time, we’ll also check your credit history. In this way, we can ensure that we offer you the most suitable loan amount.

After you’ve filled in the loan application, you’ll get the loan decision at once. The money will be put into 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. You can easily compare between the different alternatives and, for instance, see how the repayment amount affects the selected loan term. You’ll also see the loan’s effective interest rate and can compare the loan’s final cost estimates with the help of an example calculation.

It’s a good idea to apply for a loan online because:

  • You don’t have to visit a bank branch.
  • You can easily compare between 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

Make a loan calculation online