Submit a loan application and get an immediate loan decision
Apply for an unsecured loan of up to 70 000 euros
The effective annual interest rate as stipulated in the Finnish Consumer Protection Act is 0% if the loan amount is 0 € and the credit period is 15 years, including an administrative fee false €, a one-time fee false € and the nominal interest rate of NaN %. The amount payable in this example is 0 € in total or 0 € per month. The effective annual interest rate for a credit card may be 21,34 % if the used credit is 1 500 €, the loan period is one year and the nominal interest rate is 19,50 %. The amount payable in this example is 1 663 € in total or 139 € per month. The final effective annual interest rate, credit period and monthly installment can be found in the credit agreement. The creditors enter into the credit agreement based on an individual assessment of the customer and their financial situation. The nominal interest rate offered by creditors may vary between 4,19 % and 20 % and the annual credit costs may vary between 0 € and 150 €. The credit period may vary between 1 and 20 years. The credit amounts available are 500 – 70 000 €.
We help you compare numerous banks with a single loan application
OmaLaina.fi is designed for those seeking online loans at favorable rates. Your application is processed immediately and you will receive an instant loan decision. Thanks to the speedy process, you may have the funds in your bank account even on the same day. Submitting a loan application is entirely free and only takes a few minutes to complete. By applying through OmaLaina.fi, you can make substantial savings on interest rates. By comparing loans of all sizes from various banks and lenders, we help you find a loan with the most favorable terms and the lowest interest rate.
How to compare loans:
1. Fill out the loan application
Completing an application only takes a few minutes.
2. Review the offers
We compare loans from various banks, and you typically receive your first loan offers within minutes.
3. Get the funds
Select the best offer and accept it. The money will then be transferred to your account.
Our partners
Loan consolidation brings advantages
With a consolidation loan, you can easily merge multiple loans into one. If you have several smaller loans, consolidating them into a single loan can lead to significant annual saving.
For all your daily expenses and unexpected needs
Whether it’s an unexpected expense or an everyday purchase, you can finance your needs with a cost-effective loan. Simply request a loan offer from OmaLaina.fi.
Car loan or car financing
Secure financing to buy a car or pay for unexpected car repair expenses. You can use the loan for purchasing a brand-new or a used car, depending on your preference. Submit a loan application and discover the amount you can borrow for the car of your choice.
Renovation or home improvement loan
If you are considering to renovate your home, you can borrow up to 70 000 euros. Compare loan offers and use the funds, for instance, to upgrade your kitchen or bathroom.
Vacation loan – Financing your travel with small monthly installments
Whether you are planning a family ski vacation, a round-the-world trip with friends, or a solo weekend getaway, a vacation loan can be tailored to suit your needs.
Business loans
The loans offered by OmaLaina.fi can be used for launching a new business or expanding existing operations. A business loan can help you navigate temporary cash flow challenges.
Through our service, you can easily apply for a consumer loan, quick loan, or other online loans. We provide loan options that suit you and the desired repayment period. We continuously negotiate with new lenders to ensure you get the best price, regardless of the loan amount and payment period. You can apply for a smaller loan starting from 500 euros, and thanks to our digital application process, the funds can be transferred quickly. For larger loans, such as those suitable for consolidating other loans, you can apply for a consumer loan of up to 70 000 euros. For loan applications exceeding 10,000 euros, we recommend adding a co-applicant which can improve your chances of getting a better interest rate. The repayment time can vary from 1 year up to 15 years. All our partner lenders grant loans without collateral or guarantors.
Applying for an unsecured loan means that the loan application process is straightforward and fast. You might apply for a loan without attachments, as many smaller loans do not require sending separate files, which further speeds up the application process. With the comprehensive loan comparison at Omalaina.fi, you can effortlessly apply for and find a loan with a low interest rate, whether you are looking for financing to start a small business or simply seeking an affordable online consumer loan. Submit a free application and apply for a loan now.
Low-interest loans – you benefit from OmaLaina’s loan comparison service
By comparing loans, you maximize your chances of getting a loan with a low interest rate. After submitting a loan application, you receive offers quickly, ensuring that you have considered the numerous loan options offered by OmaLaina. A personalized loan offer is prepared based on the information you provide at the time, and banks may change interest rates and other loan terms over time. Therefore, it is worthwhile to compare loans periodically, even if you don’t currently need a new loan. Compare loans and get the best rates – it is in your best interest!
OmaLaina is a service you’ve seen on TV
You’ve probably seen OmaLaina’s advertisements on TV as well. OmaLaina is a widely recognized Finnish service that searches for suitable loan offers for you. The loan offer is not binding, and you can take your time to review the offers and choose the loan that suits you. The service is completely free for consumers.
Frequently asked questions
Who is eligible to apply for loan?
Anyone who is at least 18 years old, holds a Finnish personal security number, and has a Finnish bank account can apply for a loan.
What interest rate can I get on a loan?
Banks and lenders always make loan decisions on a case-by-case basis. Omalaina.fi sends your loan application to numerous lenders in order to make it easier for you to compare different credit providers and find the most affordable interest rate.
When will the money be deposited into my account?
After submitting your loan application, which takes just a few minutes, you will immediately begin receiving loan offers. Once you accept a loan offer, the money can often be deposited into your account on the same day.
Can I refinance my current loans?
Yes, comparing and refinancing current loans is often one of the easiest ways to save a substantial amount of money each month. Complete the loan application with your current loans and select loan consolidation or refinancing as the purpose of the loan.
Why apply for a loan online with Omalaina.fi?
You can compare numerous banks and lenders with a single loan application, saving you the hassle of separately filling out a form at each credit provider. The loan decision is immediate, and you can effortlessly select the most competitive loan offer.
What is the age limit for applying for a loan at Omalaina.fi?
Anyone who is at least 18 years old can apply for a loan. However, individual lenders may have their own age restrictions that can affect the loan decision.