Loans - Directory

Homes

Are you thinking of selling your home or buy a new one?

Home loan

Apply for home loan, calculate your loan or request an offer.

Boat loan

Unsecured boat loan and other alternatives for boat financing. Apply for a boat loan easily online!

Motorcycle loan

Unsecured motorcycle loan and other options for financing a motorcycle. Apply for a motorcycle loan easily online!

Student loan

Student loan from OP is worth it. Student loan counts towards earning OP bonuses. Fill in a loan application conveniently online.

Car loan

You can get a car loan of up to 15,000 euros without collateral.

All loans

From OP you can get a secured or unsecured loan quickly and easily. Apply for a loan now – you will get the loan decision quickly!

Car finance

Apply for car finance and you will get a loan offer right away.

Consumer credit

Consumer loan is a splendid means of financing your plans or dreams. Calculate a consumer credit suitable to you

Financial safety

Your life and the world around you can always change. Protect your personal finances against changes.

Long-term fixed interest rate

Choose a fixed-rate home loan to avoid changing interest rates. As our owner-customer, you can choose the long-term fixed rate for your home loan for up to 25 years.

Fixed interest rate period

Protect your home loan against a rise in interest rates through a fixed rate. You can choose a fixed interest rate period of less than 10 years for not only your new home loan but also your existing one.

Interest rate cap

Interest rate cap protects your home loan against a rise in interest rates. Make use of the current low interest rates and choose an interest rate cap for your home loan for up to 14 years.

Home construction loan

Build your dream home with our flexible construction loan. During construction, you can pay only interest on your loan and start repayments when the building is completed.

ASP loan

Acquire your first home with an ASP loan. Through the ASP scheme, you get good interest on your home saver's account and a loan on favourable terms.

Home loan calculator – Calculate your home loan

Our home loan calculator helps you plan a loan period and a monthly repayment which are suitable for you.

Student loan calculator

With our student loan calculator you can easily calculate your student loan

Help with payment difficulties

If you have difficulties paying a loan, contact your bank well in advance. Often the difficulties can be solved.

Home loan interest rate, margin and loan rates

The costs of a home loan are made up of the selected interest rate, margin and costs related to the charged amount. Learn more about home loan costs.

Getting the best deal on your home loan

Shopping for a home loan is worth it. Turn to OP for getting a better deal on your home loan – request our offer for a new loan or existing home loan online!

Government guarantee for a home loan and other guarantees

Information concerning government guarantees for home loans, guaranteeing a home loan and government guarantees for first-time home buyers, with examples. Read more!

Home loan collateral

The right time to think about home loan collateral is when applying for the loan. Read more about the types of assets that can serve as collateral for your home loan.

Repayment holiday

Apply for a repayment holiday or deferment month for your loan online. You can also easily change your loan repayment instalment and repayment date.

Car loan calculator

The car loan calculator is handy when you are contemplating car financing. Familiarise yourself with the car loan calculator and calculate a suitable car loan for you.

Home improvement loan

OP’s home improvement loan helps you complete home repairs, big or small. Apply for home improvement loan now!

Investment loan

With an investment loan, you can finance the purchase of a forest, shares, fund units or another investment, at an attractive interest rate. Read more!

Financing from OP’s partner dealerships

Apply for financing directly from our partner dealerships if you know where you’re buying. Financing up to EUR 50,000 for any bank’s customers Learn more and apply!

Flexibility in your daily finances

Get financing for surprise expenses or changes in income. There are many tools that offer flexibility for your everyday finances. Read on to learn how you can get spending money for surprise expenses.

Cottage loan

Cottage loan for funding a holiday home. Apply for a cottage loan online.

Homeowner loan

If your home is free from debt, you can get a reverse loan from OP. You will continue to own your home. Learn more!

Getting a loan online

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.

Unsecured loan

An unsecured loan is a convenient way of financing both large and small purchases. A loan without collateral also gives security if something unexpected happens.

Buy-to-let home loan

A buy-to-let home loan is a popular means of financing buy-to-let investments. Read more about our buy-to-let home loans and apply for a loan.

Filing a complaint or an appeal in banking, wealth management services and real estate agency services

Please contact first your own OP cooperative bank or another OP's service provider that served you. If no settlement can be reached, you can contact a customer ombudsman.

Information for Investors news-sheets

The Information for Investors news-sheets contain information that must by law be communicated to clients before providing investment services.

Best Execution at OP Financial Group

Best Execution Policy

Effect of costs on investment return document

OP acting as a Systematic Internaliser

Report on returns and costs of investment products and services

OP Corporate Bank Plc policy for foreign exchange trading and the execution of foreign exchange orders

This page describes the policies that OP Corporate Bank Plc undertakes to follow in foreign exchange trading and the execution of foreign exchange orders. The policies are based on the global principles of good practice in foreign exchange trading, the FX Global Code.

The statement of fees

The statement of fees shows the service fees for the preceding year. Customers receive a statement of fees in line with the EU Payment Accounts Directive annually.

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Flexible Consumer Credit

Apply for Flexible Consumer Credit by filling in an online credit application and draw down a credit between 2,000 and 8,500 euros when it is convenient to you.

Special Consumer Credit

Apply for Special Consumer Credit by filling in a credit application and draw down a credit between 2,000 and 15,000 euros when it is convenient to you.

Bank loan

Apply for a bank loan flexibly from us for one-off purchases. Take a look at OP's bank loans and fill in a loan application conveniently online.

Consumer loan application

Apply for consumer loan online

Changes to Flexible Consumer Credit or Special Consumer Credit during the loan termJoustoluoton ja tasmaluoton muutokset

Find the details of your Flexible Consumer Credit and Special Consumer Credit on OP-mobile always up-to-date. You can also modify your loan yourself. Read more!

Changes to a bank loan

Check your bank loan details on op.fi or OP-mobile. You can also apply for a repayment holiday or changes to your repayment plan. Read more!

Loan calculator

Calculate a suitable loan for you.

Consumer loan calculator

Calculate a consumer loan suitable to you