Loans - Apply for a loan for all sorts of situations and dreams

Holiday trip, home improvement, boat, car or other purchase? Manage your personal finances wisely and apply for a loan from OP easily, quickly and securely.

  • Flexibility to your life

  • Fair and competitive interest rate

  • Loyalty benefits and OP bonuses for your loan

What is the purpose of your loan?

Home loan
Permanent home, holiday home, housing company loan, construction or renovation
Motor vehicle
Car, motorbike, boat or commercial vehicle
Home improvement loan
Surface renovation or interior renovation

Calculate a suitable loan for you

Move to loan calculator


Taking out a loan from your own bank is smart 

  • We don’t have hidden interests or other costs. You will always know the total cost of your loan, not just the monthly repayment.  
  • You can reach us by phone and through various other channels. 
  • Your finances are in control. You can see your income and expenses on OP eServices, which also makes saving easier.  
  • OP is a bank owned by its customers. Our mission is to provide the best services to our owner-customers. 
  • Using OP as your main bank pays off. You will also earn OP bonuses through a loan with us.

Best services to owner-customers  

OP is a bank owned by its customers. Our mission is to provide the best services to our owner-customers. For all sorts of situations.  

As an owner-customer, you will also earn OP bonuses through a loan with us. You can use bonuses to pay, for example, your insurance premiums. For example, if you have a loan of 20,000 euros, you will be entitled to OP bonuses worth 50 euros per year. 

Using OP as your main bank makes managing your finances and saving easier. For example, Money Box is an easy way to accumulate savings in small amounts. 

What kind of loan do you need? 

OP grants loans for all sorts of situations and needs. OP provides various types of loans. They differ from each other in terms of collateral, interest rate and maximum loan amount. You can choose a loan with or without collateral.  

Get unsecured loan of up to 15,000 euros

You can get a loan of up to 15,000 euros without collateral. Fill in the application online. As a rule, you will get a loan decision right away. The loan interest rate is usually 6–8%. Only OP customers can apply for an unsecured loan.

You cannot apply for an unsecured loan with another person. 

Get a secured loan with no upper limit   

The interest rate for a secured loan is affordable, typically 2–4%. You will need collateral or a guarantor for the loan. As collateral, you can use, for example, a home that you own, forest or other assets. If you have made payments on your home loan and your home serves as collateral for it, some of its value may be free for use as collateral for your new loan.

You can apply for a secured loan even if you are not an OP customer.

You can get a secured loan starting from 8,000 euros, with no upper limit.  

You can also apply for a secured loan with another person. In such a case, neither of the applicants needs to be an OP customer.   


Get a secured loan with no upper limit 

Lainojen vertailu kannattaa. Erot lainojen kokonaiskustannuksissa voivat olla suuria. Vertaile aina lainan lopullisia kokonaiskustannuksia, älä tuijota vain esimerkiksi lainan korkoa tai kuukausierää.  

Lainan korko, muut kulut, sekä laina-ajan pituus määrittävät lainan takaisin maksettavan kokonaissumman. Kannattaa siis aina selvittää lainan kaikki kustannukset etukäteen. 


Who can get a loan from OP? 

You can get a loan if:

  • you have regular income in terms of pay or pension 
  • you have sufficient repayment capacity  
  • you have no registered payment defaults.

How much can I borrow?

The maximum amount of loan you can get depends on many things. OP is a responsible creditor. We always want to make sure that a loan’s size is suitable for your situation and that you won’t have problems in paying it back.

When we consider granting a loan and its size, we look at things such as:  

  • your desired loan amount in relation to your total income and expenses
  • any collateral you have
  • your life situation
  •  whether you have managed your personal finances well.

You can apply for a loan of 2,000–15,000 euros without collateral. Loans with collateral start from 8,000 euros. 
If you’d need a smaller amount of money, using your credit card might be the smartest thing to do. You can apply for a credit card, or an increase of your card’s credit limit, on OP-mobile free of charge. You’ll get a decision on the credit card or new credit limit immediately.


Lainaa kaikkien pankkien asiakkaille 

Auton osamaksu, rahoitus remonttiin tai isoon hankintaan suoraan liikkeestä

Voit hakea OP:n rahoitusta autoon, remonttiin tai isoon hankintaan, vaikka et olisi OP:n pankkiasiakas. Kaupat tehtyäsi maksat kuukausierän suoraan OP:lle, helppoa ja turvallista.

Osta auto osamaksulla liikkeestä tai yksityiseltä henkilöltä 

Auton osamaksurahoitus on turvallinen tapa hankkia auto ilman käsirahaa. Voit hakea OP:n auton osamaksurahoitusta, jos ostat auton liikkeestä tai yksityiseltä henkilöltä. Kummassakin vaihtoehdossa on  kiinteä kuukausierä, etkä tarvitse rahoitukseen erillisiä vakuuksia. Ostettava auto on osamaksun vakuus. 

Tutustu ja hae auton osamaksurahoitusta

Hae rahoitusta suoraan OP:n kumppaniliikkeestä remonttiin tai isoon hankintaan 

Jos tiedät mistä hankit esimerkiksi remonttitarvikkeet, aurinkopaneelit tai kattoremontin voit hoitaa rahoituksen suoraan kumppaniliikkeemme kanssa.  Voit hakea rahoitusta 2 000 – 50 000 euroa. Myönnettävän rahoituksen määrä vaihtelee liikkeittäin. Hae rahoitusta netissä ja tee hankinnat suoraan liikkeestä. 

Tutustu ja hae rahoitusta