Market report
Every figure is computed directly from lenders’ public data that we collect, and it updates automatically. Updated 07/10/2026.
Rate level by loan type
Lowest, median and highest published “rate from” value. Only products where the lender has published a figure are included.
Banks and finance companies
Median published rate on consumer credit (consumer loan, quick loan, credit line, debt consolidation) by lender type.
Transparency: who publishes a price
Share of products whose rate can be seen on the lender’s page. The rest is priced individually or the price is not published.
Bank pricing: reference rate plus margin
Banks often publish only the margin. Total rate is Euribor plus margin, calculated with today’s Euribor.
| Lender | Reference | Margin | Total rate now |
|---|---|---|---|
| S-Pankki Asuntolaina | 12 m Euribor | 0.60% | 3.78% |
| POP Pankki Asuntolaina | 12 m Euribor | 0.80% | 3.98% |
| Nordea Joustoluotto | 3 m Euribor | 2.90% – 8.90% | 5.50% – 11.50% |
| OP OP Tarkkaluotto | 3 m Euribor | 3.50% – 10.95% | 6.10% – 13.55% |
| OP OP Vakuudeton laina | 3 m Euribor | 3.50% – 10.95% | 6.10% – 13.55% |
| OP OP Autolaina | 12 m Euribor | 3.00% – 10.95% | 6.18% – 14.13% |
| OP OP Remonttilaina | 12 m Euribor | 3.00% – 10.95% | 6.18% – 14.13% |
| OP OP Joustoluotto | 3 m Euribor | 3.95% – 10.95% | 6.55% – 13.55% |
| OP OP Pankkilaina | 12 m Euribor | 3.90% | 7.08% |
| S-Pankki S-Laina | 3 m Euribor | 4.50% – 14.99% | 7.10% – 17.59% |
| Aktia Käyttölaina | 3 m Euribor | 4.50% – 11.50% | 7.10% – 14.10% |
| Santander Consumer Santander Laina | 3 m Euribor | 5.00% – 9.90% | 7.60% – 12.50% |
| Säästöpankki Vakuudeton kulutusluotto | 3 m Euribor | 6.50% – 9.50% | 9.10% – 12.10% |
| Säästöpankki Kulutusluotto | 3 m Euribor | 6.50% | 9.10% |
| OP OP Visa -luottokortti | 3 m Euribor | 8.95% | 11.55% |
| Bank Norwegian Kulutusluotto | 1 m Euribor | 9.29% | 11.71% |
Euribor over five years
Monthly averages (ECB). The last point is today’s fixing.
Latest rate changes
Changes made by the lender itself. Moves caused by Euribor are not recorded as lender changes.
Coverage
Of the lenders and banks in the Finnish FSA register we track 43 of 79. The rest are added as soon as their products and prices can be found reliably in public sources.
Not tracked yet (36) – in the register, products not yet added
List taken from the Finnish FSA register. Some are separate bank units, finance companies without a public consumer product, or firms that do not lend to consumers.
- ACH Invest OyRegistered consumer lenders
- AX Finans AbRegistered consumer lenders
- Aurajoki Nordic OyRegistered consumer lenders · Laina.fi marketplace / broker, no own-priced loan product
- Blue Finance Suomi OyRegistered consumer lenders
- Bondora AS, Suomen sivuliikeRegistered consumer lenders · The Finnish site presents only an investment service (observed 7 Oct 2026)
- Credithouse OyRegistered consumer lenders · Credit24 has ceased operations in Finland (observed 7 Oct 2026)
- EPFOK OYRegistered consumer lenders
- NDN-Yhtiö OyRegistered consumer lenders
- Nanolaina OYRegistered consumer lenders · Service temporarily closed (observed 7 Oct 2026)
- OPR-Yritysrahoitus OyRegistered consumer lenders
- Refinance Ab OyRegistered consumer lenders · No public website found
- Riverty Finland OyRegistered consumer lenders · Invoice and instalment service via merchants, no own price page
- SAV-Rahoitus OyRegistered consumer lenders · Used-car finance, rate not published
- Toyota Finance Finland OyRegistered consumer lenders · Vehicle finance, the site did not respond when checked
- Voima Securities OyRegistered consumer lenders
- Alisa Pankki OyjBanks · Deposits only for consumers; loans are for businesses (tracked as business finance)
- Bonum Pankki OyjBanks
- Suomen Asuntohypopankki OyBanks
- Avarda Bank AB, Suomen sivuliikeBranches of foreign banks
- Avida Finans AB, sivuliike SuomessaBranches of foreign banks · The site did not open when checked
- BNP Paribas SA, sivuliike SuomessaBranches of foreign banks
- Bankaktiebolaget Nordiska (publ), Filial i FinlandBranches of foreign banks
- Citibank Europe plc, sivuliike SuomessaBranches of foreign banks
- Crédit Agricole Corporate and Investment Bank Helsingin sivukonttoriBranches of foreign banks
- DNB Bank ASA, Suomen sivukonttoriBranches of foreign banks
- DNB Carnegie Investment Bank AB, Suomen sivuliikeBranches of foreign banks
- Enity Bank Group AB (publ), filial i FinlandBranches of foreign banks
- J.P. Morgan SE - Helsingin sivuliikeBranches of foreign banks
- Nordnet Bank AB Suomen sivuliikeBranches of foreign banks
- SEB Kort Bank AB, Helsingin sivuliikeBranches of foreign banks
- Saxo Bank A/S branch in FinlandBranches of foreign banks
- Siemens Financial Services AB, sivuliike SuomessaBranches of foreign banks
- Skandinaviska Enskilda Banken AB (publ) Helsingin sivukonttoriBranches of foreign banks
- Stadshypotek AB (publ), filialverksamheten i FinlandBranches of foreign banks
- Swedbank AB (publ), Suomen sivuliikeBranches of foreign banks
- Telia Finance Finland, Telia Finance AB:n Suomen sivuliikeBranches of foreign banks
What the market report page compares
The market report gathers the whole credit market we track: rate ranges by product category, median rates of banks and other lenders, the share of published prices, Euribor development and the latest rate changes. Figures are computed every night from the prices lenders publish, and the report relies on neither guesses nor outside statistics.
We currently track 45 lenders and 91 products, of which 41 have a published rate (status 07/10/2026). More detailed figures are in the market report and rate changes in the market watch.
Market report in numbers
The table shows the whole-market 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.
| Category | Products | Lenders | Published | Lowest | Median | Highest |
|---|---|---|---|---|---|---|
| Consumer loan | 23 | 19 | 16 | 5.71% | 8.77% | 15.00% |
| Business loan | 15 | 15 | 0 | – | – | – |
| Mortgage | 10 | 10 | 3 | 3.19% | 3.78% | 3.98% |
| Flexible credit line | 7 | 7 | 6 | 5.50% | 14.25% | 17.50% |
| Debt consolidation loan | 7 | 7 | 5 | 5.50% | 8.99% | 14.99% |
| Car loan | 7 | 7 | 2 | 6.18% | 10.58% | 14.99% |
| Student loan | 6 | 6 | 0 | – | – | – |
| Credit card | 4 | 4 | 4 | 11.55% | 16.70% | 17.50% |
| Quick loan | 3 | 3 | 3 | 7.90% | 17.50% | 17.50% |
| Invoice financing | 3 | 3 | 0 | – | – | – |
| Renovation loan | 2 | 2 | 1 | 6.18% | 6.18% | 6.18% |
| Business credit line | 2 | 2 | 1 | 12.00% | 12.00% | 12.00% |
| Leasing | 1 | 1 | 0 | – | – | – |
| Crowdfunding | 1 | 1 | 0 | – | – | – |
The median of published bank rates is 8.99% and that of non-bank lenders 14.99%. The gap reflects a different funding source and risk appetite, not the superiority of one lender.
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.
Bank (8)
- Aktia – 4 products
- Ålandsbanken – 3 products
- Alisa Pankki – 1 product
- Nordea – 3 products
- OP – 10 products
- POP Pankki – 3 products
- S-Pankki – 3 products
- Säästöpankki – 7 products
Bank branch (12)
- Bigbank – 1 product
- Brocc – 1 product
- Danske Bank – 3 products
- Handelsbanken – 2 products
- Ikano Bank – 1 product
- Norion Bank – 2 products
- Northmill – 1 product
- Qred – 1 product
- Resurs Bank – 2 products
- Saldo Bank (Vippi) – 2 products
- Svea Bank – 6 products
- TF Bank – 2 products
Foreign bank (7)
- Bank Norwegian – 2 products
- Bluestep Bank – 1 product
- Ferratum Bank – 2 products
- Instabank – 3 products
- Lea Bank – 1 product
- Morrow Bank – 1 product
- re:member – 1 product
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
The report separates banks from other lenders because their prices are not directly comparable: a bank’s rate often includes a Euribor-linked margin, while a finance company’s price is fixed and risk-based.
Compare the other groups too: banks, finance companies and others and business loans. The full list is on the all lenders page.
Product types
- Consumer loan: 23 products, 19 lenders, median rate 8.77%.
- Business loan: 15 products, 15 lenders, no prices published.
- Mortgage: 10 products, 10 lenders, median rate 3.78%.
- Flexible credit line: 7 products, 7 lenders, median rate 14.25%.
- Debt consolidation loan: 7 products, 7 lenders, median rate 8.99%.
- Car loan: 7 products, 7 lenders, median rate 10.58%.
- Student loan: 6 products, 6 lenders, no prices published.
- Credit card: 4 products, 4 lenders, median rate 16.70%.
- Quick loan: 3 products, 3 lenders, median rate 17.50%.
- Invoice financing: 3 products, 3 lenders, no prices published.
- Renovation loan: 2 products, 2 lenders, median rate 6.18%.
- Business credit line: 2 products, 2 lenders, median rate 12.00%.
- Leasing: 1 products, 1 lenders, no prices published.
- Crowdfunding: 1 products, 1 lenders, no prices published.
How to compare
- Choose the product category and decide the amount and term; test the payment in the calculator.
- Compare the annual percentage rate (APR), or the total cost for business finance, not only the nominal rate.
- See whether the price is published or negotiable, and check the lender’s supervision or registration.
- Ask your chosen lenders for their own pre-contract information and compare it side by side.
- Apply directly with the lender: Haeluotto does not process applications or make credit decisions.
Pros and limits
Advantages
- The whole market in one view.
- Banks and other lenders shown separately.
- Sources and calculation are explained.
Limits
- The figures are published starting prices, not personal offers.
- The report covers only the lenders we track.
Who this group suits
The report suits you when you want to see where prices move before comparing individual loans, or when you follow the direction of the market.
If you are unsure, start with the calculator and compare two or three lenders. More on product types is on the category pages: consumer loan, business loan, mortgage, flexible credit line and debt consolidation loan.
Supervision and regulation
The report’s figures are published by lenders themselves, and Euribor values are fetched from a public source. On legislation we follow what Finanssivalvonta, the Finnish Competition and Consumer Authority and the Bank of Finland publish. 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.
Frequently asked questions
What is the difference between a bank and a finance company?
A bank is a credit institution supervised by Finanssivalvonta that funds loans mainly with deposits and market funding. A finance company funds lending from other sources and its price is often risk-based. We separate the groups because prices are not directly comparable.
Why do not all products have a rate?
Many lenders set the rate only at the credit decision. We then show “negotiable / not published” and do not guess a figure.
Can I apply for a loan through Haeluotto?
No. Haeluotto is a comparison service that does not process applications or make credit decisions. You always apply directly with the lender.
Is the order paid visibility?
No. The order follows the rate the lender publishes, and commercial relationships do not affect it.
How often is the data updated?
Data is collected from lenders’ pages every night. Latest update: 07/10/2026.
How do I know a lender is trustworthy?
Check that the lender appears in the Finanssivalvonta register, read the pre-contract information and never pay anything in advance. The profile pages show the supervision data we track.