Compare consumer loans, mortgages, car loans and business loans using lenders’ own, continuously updated prices. See the rate, the margin, the real APR and who does not publish a price.
Indicative calculation. The final rate is set by the lender.
Pick your situation and see the products that fit.
For each type you see what it means and what is currently published.
Credit for a private person with no tied purpose. Unsecured or secured, fixed or Euribor-linked.
Small, quickly granted and short-term consumer credit. The same price limits apply as to other consumer credit.
A credit limit you draw on as needed. Interest only on the part used, often plus an account fee.
One new loan in place of several old ones. It pays off when total cost falls or paying becomes simpler.
A bank or finance-company loan for buying a car. A dealer instalment purchase is separate and regulated differently.
A loan secured on real estate for buying a home. The price is a reference rate, often 12-month Euribor, plus the bank’s margin.
Renovation finance through an unsecured consumer loan or a secured loan. An energy renovation can be cheaper.
A payment tool and credit in one. The bill is paid interest-free or split into instalments, when interest accrues.
A bank loan with Kela’s state guarantee. Up to EUR 850 a month for higher-education students.
For a company’s investments and growth. Pricing is company-specific and most lenders do not publish it.
A business credit line for cash flow. Interest only on what is used; some lenders quote a monthly rate.
Cash from a sales invoice before the due date. The financier pays part up front and charges a fee.
Right of use instead of ownership: the company pays rent for equipment over the contract period.
A company’s funding raised from investors through a service. Not a bank and not a conventional finance company.
Consumer loans by published rate. Individual pricing may differ.
| Lender | Term | Checked | ||||
|---|---|---|---|---|---|---|
| 3.19% | 3.33% | – | – | 07/10/2026 | See offer ↗ | |
| 3.78% | 3.80% | – | – | 07/10/2026 | See offer ↗ | |
| 3.98% | – | – | – | 07/10/2026 | See offer ↗ | |
| 5.50% – 17.50% | 10.61% | 10 € – 30,000 € | 1 mo – 10 y | 07/10/2026 | See offer ↗ | |
| 5.50% – 11.50% | – | – | – | 07/10/2026 | See offer ↗ | |
| 5.71% | 6.36% | ≥ 10,000 € | – | 07/10/2026 | See offer ↗ |
Everything runs in your browser and the figures you enter are not sent anywhere.
Monthly payment, total cost and APR including opening and monthly fees.
Open tool → 2Enter the monthly payment you can afford and see the loan amount.
Open tool → 3See how the payment changes when Euribor rises or falls.
Open tool →Euribor rates06/10/2026 (euribor-rates.eu). Rates of bank loans tied to a reference rate are calculated as Euribor + the bank’s published margin.
Banks, bank branches and finance companies on separate lists. Our coverage against the official register is shown openly.
Order always follows the published rate. Any commercial relationship never affects the order and is clearly labelled.
A robot reads lenders’ own pages every night. Every product shows the check date and a link to the source.
If a lender does not publish a rate, we say so. We never guess or fill gaps with averages.
Bank margins are added to today’s Euribor, so total rates are comparable.
Lender changes, supervisors’ decisions and central-bank figures flow into the feed and the top ticker.
re:member loan: on 7 Oct 2026 the site states the loan cannot currently be applied for. Individual rate 8.55–17.1%.
Nanolaina: the company site states that its loan service is temporarily closed (observed 7 Oct 2026). The company is still in the Finnish FSA lender register.
Fellow Finance Oyj appears in the Finnish FSA supervised-entities list under 'removed from register' (observed 7 Oct 2026).
Credit24 (IPF Digital): the company site states that it has ceased operations in Finland (observed 7 Oct 2026).
Once a week: the lowest published rates in the loan types you choose, lenders’ rate changes and Euribor. No ads, and you can unsubscribe with one click.
Haeluotto is a comparison and information service for the Finnish credit market. We collect banks’ and finance companies’ public price data straight from their own sites, refresh it automatically every night and show it side by side. We do not grant or broker loans: you always apply directly to the lender.
What sets us apart from an ordinary loan comparison is that products whose price is not published are included too. We show openly who tells the price and who does not, and how much of the Finnish FSA register’s lender list we track. Banks’ Euribor margins are converted into today’s total rates so that they are comparable.
Start with the comparison of banks, finance companies or business loans, work out a payment in the calculator, follow changes in the market watch or read how the data is collected.
Haeluotto is an independent comparison and information service for the Finnish credit market. We do not grant or broker loans. We gather lenders’ public prices in one place and update them automatically.
A robot reads lenders’ own pages every night. Every product shows its check date and a link to the source. If a page cannot be read, the previous data is kept.
Many lenders do not publish a rate because the price depends on the applicant’s data. We then show “negotiable / not published” and do not guess a figure.
No. The order follows the published rate. Any commercial links are clearly labelled.
Banks are credit institutions supervised by the Finnish FSA. Finance companies and other lenders operate outside the banks, and some are registered in the FSA’s lender register. We show the type on every product.