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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. 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
OP’s holiday home loan is ideal for financing a second home. Apply for holiday home loan online today!
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 first contact your own bank for a loan offer. We offer you three different loan options: a secured loan, unsecured Special Consumer Credit or unsecured Flexible Consumer Credit.
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.
Time to transfer loans to OP
Transfer consumer loans and hire purchase to OP, in addition to a home loan. Read more!
Loan-to-value ratio
In this article, we will describe what is a maximum loan-to-value ratio, which refers to the amount of home loan you can apply for, and how you can calculate the amount of money you need to save before buying a home.
Home loan repayment
Read the instructions for the repayment of a home loan and secured loan.
variable annuity and other loan repayment methods
This article explains what variable annuity is and what other home loan repayment methods exist.
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.
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Owner-customer benefits from saving and investment
As our owner-customer, you are entitled to value-for-money benefits from saving and investment.
Young person investing
Did you know that young people aged between 15 and 17 can save and invest independently on OP-mobile? The sooner you begin, the more you benefit. Start today!
Flexible Consumer Credit
Unsecured revolving credit of 2,000–8,500 euros. Once the credit facility has been granted to you, you can draw it down over and over again without a new application. Read more and apply for Flexible Consumer Credit.
Special Consumer Credit
Unsecured one-off loan of 2,000–15,000 euros. Special Consumer Credit is suitable for financing a one-off purchase, such as a car or home improvement. Read more and apply for Special Consumer Credit.
Bank loan
Secured, flexible one-off loan for larger purchases. Read more and apply for OP Bank Loan.
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!
Costs of credit
There can be big differences between consumer credit costs. Read more about what they include and how to compare them.
Loan calculator
Calculate a suitable loan for you.