Täsmäluotto on kertaluonteinen kulutusluotto, joka sopii erityisesti kertahankintoihin.

Special Consumer Credit

Credit for making your dreams come true.

Suitable credit amount

You can apply for Special Consumer Credit worth 1,000–15,000 euros.


No collateral or guarantor

You do not need any guarantors or collateral, such as an owner-occupied home.


Owner-customer benefits

As an owner-customer, you get OP bonuses from Special Consumer Credit.

Suitable credit for immediate cash needs

Special Consumer Credit is a one-off consumer credit that is ideal for financing both small and large purchases. With Special Consumer Credit you can spread larger expenses even over several years. 

Special Consumer Credit is suitable for paying surprise expenditures, holidays, vehicles or for realising any other dreams.

You can also use Special Consumer Credit if you want to invest in your home by making, say, small home improvements.

 Special Consumer Credit is an unsecured credit, which you can get without collateral or guarantors. Because it is a one-off loan, you cannot the use repaid credit amount again, unlike in the case of credit cards for example. The repayment plan can be customised for your circumstances. 


Apply for credit conveniently online

You will hear the decision concerning your application at once or within two banking days, at the latest. The money will be transferred to your account once you have accepted the credit offer. 

You can apply for credit online without visiting a branch office. If you are not yet our customer or do not have user identifiers for OP eServices, book an appointment at the nearest OP branch


Whether you are dreaming of a holiday trip, dream wedding, new car or, say, a pony of your own, the one-time Special Consumer Credit enables you to make your dreams come true. We can offer you unsecured credit on reasonable terms. Just choose a suitable credit amount and fill in an application on op.fi.

Heli Majoinen Development Manager, OP
Täsmäluotto Täsmäluotto
Joustoluotto on monipuolinen kulutusluotto, joka sopii pieniin ja suuriin elämän hankintoihin muuttolaatikoista keittiöremonttiin.
Purchases for home with flexible payment
Moving home and fixing up a new home in the offing? An unsecured, flexible credit is suitable for not only small but also bigger spending.
Applying for credit, and collateral Granting a credit, drawing down a credit

Fill in the credit application on OP eServices, call OP telephone service at 010 253 1333 or visit a member cooperative bank branch. You will hear the decision concerning your application at once or within two banking days, at the latest. After you have accepted the offer, the credit is readily available to you on OP eServices.

You are eligible to receive Special Consumer Credit if you are a long-standing customer using a OP member cooperative bank or Helsinki OP Bank as your main bank, are 23 to 74 years of age, have regular income in terms of pay or pension, have sufficient financial standing, have managed your personal finances well and have a permanent residence in Finland. Receiving the credit always requires approval by OP Card Company Plc that extends the credit. OP Card Company Plc is a credit institution wholly owned by OP Financial Group.


Because Special Consumer Credit is an unsecured credit, you do not need any collateral or guarantor.

Täsmäluottoa voit hakea kätevästi verkossa. Täsmäluottoa voit hakea kätevästi verkossa.
Credit repayment monthly repayment, repayment date

The monthly repayment depends on the loan amount and loan term. You can choose 1st, 8th, 16th or 24th of the month as the due date.

Credit terminates when the last instalment has been paid.

Cost of the credit drawdown fee, interest, effective interest, total cost

The credit establishment fee is 150 euros and monthly billing charge 5 euros. The interest rate is a 3-month Euribor + 6.5 percentage points (6.15% July/2019). The effective interest rate for a 10,000-euro Special Consumer Credit with a 5-year credit period is 8.14% (July/2019).

The estimated total amount payable is €12,083.46 and the number of repayments is 60. This calculation is based on the assumption that the entire credit is drawn out at the same time and that the charges and fees remain the same throughout the loan term. The credit is extended by OP Card Company Plc.

You are annually entitled to a one-month grace period for your credit when you do not need to repay your credit and related interest. The grace period is the same month every year. The change takes effect in the next month's billing. The already-created bill may not be changed.

Extra repayment

You can amortise your loan in addition to your normal monthly instalment. This extra repayment does not defer the next instalment or payment date. The extra repayment is not subject to a charge.

To make an extra repayment, you need the number of your loan which you can find in the Loans section. After that, go to "New payment" under the Daily banking services section and enter your loan's number in the "Payee's account or IBAN" field. Then proceed as instructed. The amount of your extra repayment is debited to your account on the same day. 

Read the terms and conditions of Special Consumer Credit.

OP bonuses

As an owner-customer, you will earn OP bonuses for example from

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid with OP-Visa credit
  • insurance premiums for home, family and motor vehicle policies.

OP bonuses are used for the bank’s service charges and insurance premiums.

Owner-customer benefits

  • As owner-customer, you enjoy a higher current account interest rate: 0.10% (normally 0.00%).
  • As our owner-customer, you can choose a long-term fixed interest rate for your new home loan throughout the loan's term, up to 25 years. This is how you can ensure that your interest charges for your home loan will remain unchanged throughout the loan term.
  • As owner-customer you can get a student loan with no service charge in case your loan application is filed at op.fi.
The loan is granted by the OP Card Company Plc.