Loan of 5,000 euros
OP Tailored Consumer Credit
Fill in the online application - you don’t need any collateral for the credit
- Unsecured one-off loan, money into your account in one go
- Max. 30,000 euros
- Personal interest rate a 3,5–10,95 % margin + a 3-month Euribor
- Loan application conveniently online
- Grace month once a year
- Only for OP customers
Flexible Consumer Credit
You can apply for credit conveniently online. No collateral needed.
- Unsecured revolving credit that you can draw down according to your needs.
- Max. 8,500 euros
- Korko 7,95 % + 3 kk euribor
- Loan application conveniently online
- Grace month once a year
- Only for OP customers
Online credit decision
You’ll get the loan decision within two banking days, at the latest. You’ll get the money to your account after accepting the credit offer.
No collateral needed
You don’t need any guarantors or collateral for the credit.
You’ll get a grace month for your 5,000-euro loan once a year
During the grace month, you don’t need to repay your loan or related interest.
Loans for various needs
As an OP customer, you can apply for unsecured loans to finance various purchases. You can use an unsecured loan to buy a new home appliance or a piece of furniture, for example.
Applying for a loan is simple if you have OP's credentials. You can apply for an unsecured loan in the op.fi service or OP-mobile from 2,000 up to 30,000 euros.
You will receive the loan decision within two banking days if you are applying for an unsecured loan. You will receive the money in your account after you have accepted the credit agreement.
Who can apply for a loan of 5,000 euros from OP?
- You are over 23 years old and use OP cooperative bank as your main bank
- You have no payment default records, and your credit history is in order
- You receive regular pay or a pension
- You live permanently in Finland
What options do I have when applying for a loan of 5,000 euros?
If you need a loan of 5,000 euros, we recommend applying for an unsecured loan. The loan amount you need and your need for use determine whether you should apply for OP Tailored Consumer Credit or Flexible Consumer Credit.
OP Tailored Consumer Credit – loan of 5,000 euros into your account in one go
OP Tailored Consumer Credit is an unsecured loan which you can apply for from 2,000 euros up to 30,000 euros. You don’t need any collateral or guarantors to apply for the loan but you can fill in the loan application in the op.fi service or OP-mobile.
When you fill in the application, you can decide whether the amount of your loan is 5,000 euros or whether you need a larger or smaller amount for your purchases. After you have filled in the application, you’ll get a loan offer which you can accept. After your acceptance, you’ll get money into your account.
Read more and apply for OP Tailored Consumer Credit
Flexible Consumer Credit – a loan of 5,000 euros available to you all the time
Flexible Consumer Credit is an unsecured loan which you can apply for from 2,000 euros up to 8,500 euros. You can apply for a loan in op.fi or on OP-mobile if you have OP's user ID. You do not need to provide collateral or guarantors for the loan.
How you can use the loan you have applied for distinguishes Flexible Consumer Credit from OP Tailored Consumer Credit. You can draw down the loan in several instalments and use it again without the need to fill in a new loan application. If you apply for a loan of 5,000 euros, for example, you can first put 2,000 euros into your account and leave the remaining loan unused. You can transfer the unused loan of 3,000 euros to your account whenever you want.
As you repay some of the loan that you have drawn down, you will be able to borrow the same amount again. In other words, Flexible Consumer Credit works like a credit card.
Read more and apply for Flexible Consumer Credit
How to repay a loan of 5,000 euros?
When you fill in a loan application, you can choose the size of the repayment and a suitable due date from among various options. If you like, you can also repay your loan faster than you initially planned or pay off the total loan in one go.
When you apply for a loan, you can additionally choose whether you want to have a grace month for your loan. You can get one grace month per year for OP Tailored Consumer Credit and Flexible Consumer Credit. The grace month means that you don’t need to repay your loan or related interest.