Henkilö istuu autossa

Car hire purchase

Buy a car from a car dealership or private person with a fixed instalment. Hire purchase is a quick, reliable financing option.

You will receive a hire purchase offer immediately

Apply for financing from ”Autonostajan Apuri” (Car Buyer’s Assistant) and you will receive a preliminary financing offer online without waiting.

The car is sufficient as collateral

You can buy the car without collaterals. The car is the collateral for the hire purchase.

Easy, reliable financing

You will receive clear information on all financing costs in advance. There is a fixed interest rate in hire purchase.

You can apply for hire purchase when you have found a suitable car:

I will buy the car from a car dealership

Apply for hire purchase

I will buy the car from a private person

Read more and apply

How to apply for hire purchase when buying a car from a car dealership:

  1. Find a suitable car

    You can apply for hire purchase when you have found a suitable vehicle. When you are buying a car from a private person read instructions here.

  2. Apply for hire purchase in advance online

    You will receive preliminary offer and an estimate of the monthly repayment of the financing. The final hire purchase price is calculated at the car dealership.

  3. Conclude a deal

    Take the preliminary financing offer with you to the car dealership.

  4. When you have concluded the deal, you will receive a right of possession to the vehicle

    You will obtain ownership of the vehicle when you have paid the last hire purchase instalment.

An easy, safe financing option

Buying a car using hire purchase is easy and safe. The hire purchase agreement is concluded at the time of concluding the deal. Hire purchase financing has a fixed interest rate and the instalment remains the same throughout the contract period. You can buy a car on hire purchase with a 1–6 year payment period. Please note that interest rates may vary between dealerships.

When you are buying a car from a car dealership, apply for a preliminary financing offer online and take the offer with you to the car dealership. The final hire purchase price is calculated at the car dealership. OP hire purchase financing is available at Finnish car dealerships.

You can also buy a car from a private person using OP hire purchase. Read more about hire purchase between private persons here ›.

What should you know before buying using hire purchase?

  • You do not need separate collaterals for using hire purchase.
  • The ownership of the car remains with OP Corporate Bank until you have paid the last hire purchase instalment.
  • As a rule, a down payment of approximately 10–20% is paid for the car upon conclusion of the deal.
  • You can apply for hire purchase when you have found a suitable car.
  • It is a good idea to apply for a preliminary financing offer online beforehand. The final financing decision is calculated at the car dealership.
  • You can also buy a car using hire purchase from a private person. Read more ›

The financing is granted by OP Corporate Bank plc.

Lyhennysvapaa auton osamaksurahoitukseen 

Asiakkaanamme voit hakea osamaksusopimukseen lyhennysvapaata kolmeksi (3) kuukaudeksi.

Osamaksurahoituksen lyhennysvapaa on tarkoitettu erityisesti poikkeuksellisiin tilanteisiin, joissa asiakkaan velanhoitokyky on heikentynyt. Lyhennysvapaan aikana maksat osamaksusopimuksen osalta vain luoton korot ja käsittelymaksun. Lyhennysvapaa pidentää sopimusaikaasi lyhennysvapaiden kuukausien verran.

Lyhennysvapaahakemuksen yhteydessä hakijalta pyydetään selvitys heikentyneestä velanhoitokyvystä. Noudatamme maksuohjelmamuutoksen myöntämisessä pankin yleisesti noudattamiamme prosesseja ja kriteerejä.

Voit hakea OP Yrityspankin myöntämään auton osamaksurahoitukseen lyhennysvapaata osoitteessa: https://rahoitus.op.fi/lyhennysvapaa 


  • Yleiset kysymykset, laskutus ja maastavientivaltakirjat: 010 252 5843 (ma-pe 9.00-16.30)
  • Rekisteröinti: 010 252 2860

Maastavientivaltakirjan voit tilata netistä

Jos lähdet ajoneuvollasi matkalle Pohjoismaiden ulkopuolelle Eurooppaan, tarvitset matkaan mukaan maastavientivaltakirjan. Sen voit tilata itse netissä.

Tilaa maastavientivaltakirja 

Jos ajoneuvo on myyjäliikkeen omistuksessa, ole maastavientivaltakirjojen ja rekisteröinnin osalta yhteydessä suoraan myyjäliikkeeseen.

OP Yrityspankin asiakaspalvelu henkilöasiakkaille

Loppuvelkakysely

Mikäli sinulla on op.fi verkkopankkitunnukset voit ottaa loppuvelkakyselyn omasta osamaksusopimuksestasi. Loppuvelka annetaan aina seuraavalle eräpäivälle.

Loppuvelkakysely

  • Yleiset kysymykset, laskutus ja maastavientivaltakirjat: 010 252 5843 (ma-pe 9.00-16.30)
  • Rekisteröinti: 010 252 2860

Effective as of November/2019

Service Fee Person Company
Balance confirmations, interest certificates and lease liability reports €37.00 each x x
Separately agreed brief reports/other changes €25.00 x x
Separately agreed reports/other changes €100.00 per hour
minimum €50.00
x x
Copies of invoices and receipts €15.00 each x x
Copies of agreements and reprint the payment scheme or credit transfers €42.00 each
Private individuals €0
x x
Direct registration (amount charged by Trafi) Based on Trafi’s list of charges valid from time to time x x
Processing registration certificates: amount charged plus, e.g.,
- changes related to the registered keeper
- a new registration certificate
€42.00 each x x
Change to OP Corporate Bank’s group insurance €80.00 x x
Authorisation to take a motor vehicle abroad (max. 12 months) €42.00 x x
Authorisation to take a motor vehicle abroad (max. 12 months)
processed on the same business day
€58.00 x x
Driving instruction power of attorney €37.00 x  
Assignment of agreement      
- private individuals
  (incl. direct registration charge)
€190.00 per agreement x  
- companies
  (incl. direct registration charge)
0.30% of the receivable,
min. €400.00 per agreement
  x
Services related to a corporate merger or demerger €400.00   x
Change in repayment plan      
- private individuals €5.00/agreement, max €20.00 per year x  
- companies 0.30% of the receivable,
min. €275.00 per agreement
  x
Due date postponement      
- private individuals, repayment extension at least 14 days €5.00/agreement, max €20.00 per year x  
- companies €37.00   x
Preparing and printing the final invoice €37.00 x x
Reminder      
- private individuals €5.00 x  
- companies €21.00   x
Unaccepted bill of exchange €89.00   x
Impending remittance      
- private individuals €15.00 x  
- companies €115.00   x
Notice of termination private individuals €30.00
companies €120.00
x x
Order to retrieve the vehicle Based on actual costs, min. €220.00 x x