Consumer credit

Consumer loan is a splendid means of financing your plans or dreams. You can apply for a loan for minor and major purchases of your life – holiday trip, renovation or, say, a new car.

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 200,000 euros can be insured on the loan, monthly compensation is a maximum of 1,500 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY 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 €1,000–8,500
  • You can apply for credit worth €1,000–8,500
  • 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
Withdrawal fee YLL_DATA_INIT_PROVISION_PERCENTAGE % of the amount withdrawn but a minimum of €YLL_DATA_INIT_COST_MIN or a maximum of €YLL_DATA_INIT_COST_MAX. The annual charge is €YLL_DATA_EXPENSES_ANNUAL and the billing charge 4 €/eBill.
  • 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros.
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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 €3,000–15,000
  • You can apply for credit worth €3,000–15,000
  • 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
Credit establishment fee €YLL_DATA_INIT_COST_AMOUNT and the billing charge 5 €/eBill.
  • 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros.
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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 or a guarantor
  • You need collateral for the loan, such as an owner-occupied home or a guarantor
  • 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY 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 €1,000–8,500
  • You can apply for credit worth €1,000–8,500
  • 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
Withdrawal fee YLL_DATA_INIT_PROVISION_PERCENTAGE % of the amount withdrawn but a minimum of €YLL_DATA_INIT_COST_MIN or a maximum of €YLL_DATA_INIT_COST_MAX. The annual charge is €YLL_DATA_EXPENSES_ANNUAL and the billing charge 4 €/eBill.
  • 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY 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 €3,000–15,000
  • You can apply for credit worth €3,000–15,000
  • 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
Credit establishment fee €YLL_DATA_INIT_COST_AMOUNT and the billing charge 5 €/eBill.
  • 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY 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 or a guarantor
  • You need collateral for the loan, such as an owner-occupied home or a guarantor
  • 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. In this calculation, the loan costs consist of the processing charge accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (min. YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY 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.
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Apply for a consumer credit and sign the loan agreements electronically

You can now sign electronically agreements for a new credit, say, from home over the internet! If you like, you can perform loan negotiations and signatures online from start to end. You can sign the document electronically by using your personal online bank user identifiers.