Finance companies and other lenders

What the finance companies and other lenders page compares

This page compares loans from finance companies and other non-bank lenders: quick loans, consumer loans, flexible credit, debt consolidation loans and other products. It also includes peer-to-peer and crowdfunding services, clearly marked as separate: they are not banks and not conventional quick-loan companies. The price is the figure each lender publishes itself, and where there is no published figure we write “negotiable / not published”.

We currently track 18 lenders and 22 products, of which 7 have a published rate (status 07/10/2026). More detailed figures are in the market report and rate changes in the market watch.

Finance companies and other lenders in numbers

The table shows the finance-company and other non-bank product categories, the number of products and lenders and the range of published rates. The median describes a typical price better than the mean because a single outlier does not distort it. Order: categories by number of products; data as of 07/10/2026.

Lenders by group

Below are the lenders of this page by type. Each name leads to a profile page with products, price and supervision details.

Lender (9)

• Anyfin – 1 product
• Blue Finance – 1 product
• Creditstar – 3 products
• DNB Auto Finance – 1 product
• Fixura – 1 product
• GF Money – 1 product
• Kasvurahoitus – 3 products
• LähiTapiola Rahoitus – 1 product
• Santander Consumer – 1 product

Finance company (6)

• Business Credit – 1 product
• CapitalBox – 1 product
• Fundu – 1 product
• OPR-Finance – 1 product
• Siltaraha – 1 product
• smeGo – 1 product

Crowdfunding (not a bank) (1)

• Vauraus – 1 product

Peer-to-peer (not a bank) (1)

• Solidate – 1 product

State financier (1)

• Finnvera – 1 product

How this group differs from the others

A finance company does not take deposits but funds lending from other sources, and its pricing is often risk-based rather than tied to a reference rate. So the rate is typically higher than at a bank, but the decision can be faster and the criteria more flexible. Small and short credits often carry fixed opening and monthly fees that push the annual percentage rate (APR) well above the nominal rate.

Compare the other groups too: banks, finance companies and others and business loans. The full list is on the all lenders page.

Product types

• Business loan: 9 products, 9 lenders, no prices published.
• Debt consolidation loan: 3 products, 3 lenders, median rate 10.25%.
• Car loan: 3 products, 3 lenders, median rate 14.99%.
• Consumer loan: 2 products, 2 lenders, median rate 11.30%.
• Quick loan: 1 products, 1 lenders, median rate 17.50%.
• Flexible credit line: 1 products, 1 lenders, median rate 14.99%.
• Business credit line: 1 products, 1 lenders, no prices published.
• Invoice financing: 1 products, 1 lenders, no prices published.
• Crowdfunding: 1 products, 1 lenders, no prices published.

How to compare

1. Choose the product category and decide the amount and term; test the payment in the calculator.
2. Compare the annual percentage rate (APR), or the total cost for business finance, not only the nominal rate.
3. See whether the price is published or negotiable, and check the lender’s supervision or registration.
4. Ask your chosen lenders for their own pre-contract information and compare it side by side.
5. Apply directly with the lender: Haeluotto does not process applications or make credit decisions.

Pros and limits

Advantages

• Faster decisions and a more flexible process.
• Small amounts and short terms are possible.
• Some lenders publish their price clearly on their page.

Limits

• Rate and APR are typically higher than at a bank.
• Fixed fees raise the real price of a small credit.
• Some products are priced by negotiation, so comparison is only possible after the application.

Who this group suits

Finance-company credit can suit when you need a smaller amount quickly or bank criteria are not met. It suits less for a large long-term loan, because interest costs grow fast.

If you are unsure, start with the calculator and compare two or three lenders. More on product types is on the category pages: business loan, debt consolidation loan, car loan, consumer loan and quick loan.

Supervision and regulation

A consumer-credit provider must be registered, and registered lenders appear in the Finanssivalvonta register of supervised entities. The price of consumer credit is limited by a rate cap and a cost cap (Finnish Competition and Consumer Authority). You can check a registered lender in the Finanssivalvonta register of supervised entities and read more about price limits at the Finnish Competition and Consumer Authority. A consumer has a 14-day right of withdrawal and may repay early.

If an application is rejected

A refusal does not mean every lender will refuse, but a burst of applications does not help. Ask for the reasons, check your credit record and the positive credit register data, and consider whether a smaller amount or a longer term is realistic. Do not apply everywhere at once. If you already have payment difficulties, contact debt counselling before taking new credit. Other options are on the lender list.

Common mistakes when comparing

• Comparing only the monthly payment: a longer term lowers the payment but raises interest costs.
• Comparing the nominal rate although opening and monthly fees raise the real annual percentage rate.
• Assuming the published starting rate is your own rate: the final rate depends on the applicant.
• Applying to several lenders in a hurry without comparing.
• Forgetting rate risk on a Euribor-linked loan.
• Not checking whether the lender is registered or supervised.

The calculation method and sources are described on the methodology page, and the monthly payment can be checked in the calculator.

Where the data comes from and how it updates

Figures are collected automatically from lenders’ own public pages and checked every night. If a page does not respond we keep the previous value and do not replace it with a guess. Rate changes are logged in the market watch and the method is described on the methodology page. Haeluotto receives no commission from lenders for listing, and commercial relationships do not affect the order.