Loans

Frequently asked questions

Repayment holiday – How can I take a repayment holiday on my loan?

A repayment holiday means a period during which only interest is paid on the loan. It enables you to balance your personal finances in a flexible way.

You can take a repayment holiday on your home, student and bank loans.

Do the following:

  • Log into OP eServices
  • Select "Lyhennysvapaa ja muut muutokset" (Repayment holiday and other changes) from the left-hand side menu on the "Lainat" (Loans) page.

Learn more here >

Changing the due date and the loan's monthly repayment – How can I change my loan's repayment plan?

You have agreed with the bank on a loan term and repayment method specified in the loan agreement. It is possible to make changes to the repayment plan and then you should contact your own Group member cooperative bank via OP eServices.

It is possible to make changes to the repayment plan of Flexible Consumer Credit and Special Consumer Credit. Using your personal user identifiers, you can change your monthly repayment amount.

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Change of a debit account – How can I change the account to which my loan repayments are debited?

You can change the loan management account by sending us an online message. If the loan has several borrowers, every borrower must send an online message with similar content on the change of the loan management account. Please state in your online message that it is the question of a change of the loan management account. Include in your message the loan number and the number of the account to which subsequent loan repayments will be debited.