Market watch

What the market watch page compares

The market watch is a chronological feed of changes in the credit market: lenders’ rate changes, Euribor and policy-rate data, new products, register changes and regulatory news. Automatic entries appear when a figure a lender publishes changes, and editorial entries report decisions of legislators, authorities or the central bank.

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 watch in numbers

The table shows the market-change 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.

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 feed separates a lender’s own decision (for example a change in margin or a fixed rate) from a change in the reference rate, so Euribor movements do not look like a lender raising its rate. That way you see who actually changed their price.

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

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

• Changes are logged automatically in time order.
• A lender’s decision and a reference-rate move are separated.
• News items are sourced.

Limits

• The feed is not a comprehensive news channel.
• A change appears only once the lender has updated its own page.

Who this group suits

The feed suits you when you want to follow the market continuously or check whether the lender you are considering has recently changed its price.

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

Regulatory and authority news rests on publications from Finanssivalvonta, the Finnish Competition and Consumer Authority, the Bank of Finland and other authorities. 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.