Consumer credit – choose the consumer credit that suits you best

Home improvement, car loan or other large purchase? Turn to your bank to apply for consumer credit or a consumer loan that suits your situation. By applying for consumer credit from your own bank you can receive financing with a reasonable interest rate and a repayment period that suits you.

  • Consumer credit at a competitive price

    We will offer you consumer credit that suits your needs. Our interest rates are always competitive – both for secured and unsecured loans and consumer credits.

  • Get a loan decision without delay

    As OP’s customer, fill in an application online. You will receive a decision on consumer credit without waiting.

  • Flexible repayment

    You can speed up your loan repayment or file an application with the bank for a grace period or a repayment holiday.


If you want to apply for a loan or consumer credit now, fill in an application online. Enter in the calculator below the amount you need and a monthly repayment that suits you.

Calculate a suitable loan for you

How much do you need to borrow?
Monthly repayment
-
Loan term
Planned loan term. The maximum recommended home loan term is 20 years. You can discuss with the bank if the 20-year loan term does not suit your needs.
Interest rate
The interest rate given automatically by the calculator is the current default interest on the home loan (12-month Euribor + customer-specific mark-up). You can change the interest rate and try how changes in interest rates affect the loan.
Try out how a considerably higher rate affects the monthly repayment of your loan.

Home loan


Monthly repayment
€/mo
Payment protection insurance premium
€/mo
Loan amount: €
Scope of payment protection insurance: €
Insurance premium: €/mo
€/day
A maximum of 300,000 euros can be insured on the loan, monthly compensation is a maximum of 2,500 euros and the maximum policy term is 30 years. If you have a larger loan, your bank will help you choose a suitable solution for protection.
Total monthly repayment of protected loan:
€/mo
Failed to calculate payment protection insurance. Try again.
You can earn OP bonuses during the first year
+ €
OP bonuses are earned by all Group member bank owner-customers with transactions entitling to bonuses. At Helsinki OP Bank, you are given OP bonuses when your banking and/or insurance transactions come up to at least €5,000 per month. Transactions mean, for example, the total amount of loans, savings, purchases paid using OP-Visa as credit card. They also include insurance premiums for Pohjola’s home, family and motor vehicle policies. OP bonuses are used to pay for banking services such as loan service charges. OP bonuses are also used for Pohjola home, family and motor vehicle policy premiums and OP-Kiinteistökeskus real estate commissions. OP bonuses have been calculated for the first year on the bonus scheme rules currently in effect. The calculation has taken account of your monthly repayments for the first year.
Repayment method:Equal payment
Equal payment. The monthly repayment amount remains constant but the loan term may change when interest rates change.
Effective interest rate: %
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
Estimated total cost: €
Indicates how much it would cost to repay the loan, including charges and interest amounts, based on the information you have provided.
How much do you need to borrow?
What would be a suitable loan term?
Last repayment
We recommend you
Other options
Hire purchase SECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
€
Interest rate
%
Total cost
€
Last repayment: €
The loan is secured against the car you have bought
  • The loan is secured against the car you have bought
  • Suitable for all banks' customers
  • Preliminary financing decision at once
  • Suitable for all banks' customers
  • Preliminary financing decision at once
Loan documentation fee €YLL_DATA_INIT_COST_AMOUNT and handling fee €YLL_DATA_EXPENSES_MONTHLY/repayment.
  • Interest rate: %
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
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Flexible Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
€
Interest rate
%
Total cost
€
You can apply for credit worth €2,000–8,500
  • You can apply for credit worth €2,000–8,500
  • Suitable for making smaller purchases
  • Credit decision issued immediately or within two banking days
  • Suitable for making smaller purchases
  • Credit decision issued immediately or within two banking days
The loan servicing fee is €6 / month and covers the credit establishment fee, drawdowns to your account and invoicing. You will not pay other expenses than the interest and loan servicing fee.
  • Interest rate: %
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
Read more about Flexible Consumer Credit ›
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Special Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
€
Interest rate
%
Total cost
€
You can apply for credit worth €2,000–15,000
  • You can apply for credit worth €2,000–15,000
  • Suitable for financing a one-off purchase
  • Credit decision issued immediately or within two banking days
  • Suitable for financing a one-off purchase
  • Credit decision issued immediately or within two banking days
The loan servicing fee is €6 / month and covers the credit establishment fee, drawdowns to your account and invoicing. You will not pay other expenses than the interest and loan servicing fee.
  • Interest rate: %
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
Read more about Special Consumer Credit ›
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Bank Loan SECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
€
Interest rate
%
Total cost
€
You need collateral for the loan, such as an owner-occupied home.
  • You need collateral for the loan, such as an owner-occupied home.
  • Suitable for one-off purchases of over €8,000
  • We can customise a loan repayment plan for you
  • Suitable for one-off purchases of over €8,000
  • We can customise a loan repayment plan for you
Loan drawdown and any possible partial drawdowns are subject to a charge based on the bank's service charges and fees.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
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How much do you need to borrow?
What would be a suitable monthly repayment?
We recommend you
Other options
Flexible Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or monthly repayment.
Loan term
Interest rate
%
Total cost
€
You can apply for credit worth €2,000–8,500
  • You can apply for credit worth €2,000–8,500
  • Suitable for making smaller purchases
  • Credit decision issued immediately or within two banking days
  • Suitable for making smaller purchases
  • Credit decision issued immediately or within two banking days
The loan servicing fee is €6 / month and covers the credit establishment fee, drawdowns to your account and invoicing. You will not pay other expenses than the interest and loan servicing fee.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
Read more about Flexible Consumer Credit ›
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Special Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or monthly repayment.
Loan term
Interest rate
%
Total cost
€
You can apply for credit worth €2,000–15,000
  • You can apply for credit worth €2,000–15,000
  • Suitable for financing a one-off purchase
  • Credit decision issued immediately or within two banking days
  • Suitable for financing a one-off purchase
  • Credit decision issued immediately or within two banking days
The loan servicing fee is €6 / month and covers the credit establishment fee, drawdowns to your account and invoicing. You will not pay other expenses than the interest and loan servicing fee.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
Read more about Special Consumer Credit ›
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Bank Loan SECURED

The loan is not amortised quickly enough. Change the loan amount or monthly repayment.
Loan term
Interest rate
%
Total cost
€
You need collateral for the loan, such as an owner-occupied home.
  • You need collateral for the loan, such as an owner-occupied home.
  • Suitable for one-off purchases of over €8,000
  • We can customise a loan repayment plan for you
  • Suitable for one-off purchases of over €8,000
  • We can customise a loan repayment plan for you
Loan drawdown and any possible partial drawdowns are subject to a charge based on the bank's service charges and fees.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
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Period for which you apply for a loan
Loan amount
Interest rate
Loan repayment period

Estimated student loan

Repayment amount
 €/mo
Borrowing rate
 %
Total cost
 €

 €/mo

 €

 %

 €

 €

 €

12 yrs

96 

A student loan generates OP bonuses that are used, for example, for insurance premiums. 

Read more about student loan >
Apply for student loan
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  • The calculation is only suggestive. The loan offer made to you describes the loan interest rate and other terms and conditions in detail.

This is how the application process for a loan or consumer credit proceeds

  1. ​Fill in the application for consumer credit conveniently online
  2. Normally, you will get the consumer credit decision right away
  3. After you have accepted the consumer credit offer, you will get the money to your account.
 
You can apply for consumer credit with or without collateral – three consumer credit options
 
You can choose between three different types of loans the one that suits you best. If you want credit without collateral, you can choose Special Consumer Credit or Flexible Consumer Credit. 
 
If you can provide collateral, you can apply for a secured Bank Loan. The interest rate for secured consumer credit will be lower than for an unsecured one.
 
The unsecured Special Consumer Credit is a one-off loan. In other words, you cannot use the repaid credit amount again, unlike in the case of credit cards, for example. You can apply for Special Consumer Credit worth 2,000–15,000 euros. 
 
The unsecured Flexible Consumer Credit is a revolving credit. This means that after you have paid back some of the credit, you can draw down it again for your use without filling in a new application. You can apply for Flexible Consumer Credit worth 2,000–8,500 euros. 
 
A secured Bank Loan is a one-off loan and it's our most affordable consumer credit, thanks to collateral. You can apply for a bank loan starting from 8,000 euros, with no upper limit, alone or together with another person. It’s suitable for financing bigger expenses, like a home renovation or buying a car.
 
In general, residential property (such as an owner-occupied home, a holiday home or a buy-to-let home) is used as collateral for a bank loan. The home doesn’t need to be free from debt to be used as collateral for a bank loan. Investments, savings and forest property can also be used as collateral. However, a car or consumer goods aren’t eligible as collateral.
 
OP cooperative banks’ owner-customers earn OP bonuses through secured bank loans.
 

It is a good idea to take out consumer credit from your own bank 

Taking out consumer credit from your own bank is usually the smartest alternative in terms of overall costs. We don’t have hidden interests or other costs. You will always know the total cost of your consumer credit. 

The financing is granted by OP Retail Customers Plc or OP cooperative bank, depending on the financing product.

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