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OmaLaina.fi is a a 100% Finnish service. Over 300,000 customers in Finland.
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It is always wise to compare loans because by doing so, you can find the better terms for your loan! Through OmaLaina, you can easily and securely compare loans. We only work with reputable banks and financial institutions that offer unsecured loans, with no collateral or guarantors required. You can borrow up to 60,000 euros, making it possible to finance even larger purchases. Best of all, you can receive the money in your account in as little as 24 hours. You can apply for a loan through us anytime, as we accept loan applications around the clock.
With OmaLaina, you always apply for a loan without collateral, which significantly speeds up the application process. You’re free to compare the loan offers we provide without any obligation to take out the loan!
Borrow Wisely – Secure the Right Loan by Comparing
It’s important to always consider loans carefully. Think thoroughly about how much you need to borrow and for what loan term, in order to ensure that the loan suits you. By taking a loan, you commit to it for several years, so it’s worth taking your time and careful consideration to find the best loan agreement. Manually comparing loans from dozens of lenders can be confusing and time-consuming, which is why using a loan comparison service is advisable. OmaLaina competes your loan application among numerous lenders – all with just one application.
Comparing loans can result in significant savings in loan costs. Apply for a loan through us and see how easily you can find the right loan for you!
Get a Loan Instantly – Recieve Funds on the Same Day
Who wants to wait for a loan decision? Through OmaLaina, you can get a loan paid to your account without unnecessary delays – sometimes even on the same day. With our completely electronic and free loan application, you’ll receive your initial loan offers almost immediately! OmaLaina.fi uses SSL-secured connections to lenders, allowing loan applications to be processed in real-time. You’ll receive a preliminary loan decision right away, and we’ll show you the most suitable lenders from our selection.
We’ll display all the lenders who have approved your loan application and from whom you can apply for a loan.
We find suitable loans for you quickly
After applying for a loan, accept the loan offer you find suitable for you with your online banking ID.
You typically receive the loan on the same day, depending on your bank. However, it may take up to three days for the loan to be transferred. You can repay the loans in as little as 12 months, but our lenders also offer loans with repayment terms of up to 15 years. According to Finnish law, loans cannot be transferred overnight, so loans confirmed during the night will be processed in the morning.
Borrow money through Omalaina.fi and get access to reliable lenders and their competitive interest rates. We send all loan applications to multiple lenders and select lenders for you from whom you can realistically get a loan! Comparing loans does not obligate you in any way to take a loan.
Borrow as affordably and securely as possible
Do you want to find an affordable loan as effortlessly as possible? Comparing loans with as many providers as possible helps ensure that you’ve done your homework well. At the same time, you get a good overview of the Finnish loan market and your own creditworthiness.
If many banks and lenders are willing to grant you a loan, you can be fairly certain that your finances are on a solid footing.
Loans only from trusted partners
We have ensured that it’s easy to compare loans on OmaLaina because we seek the best interest rate offers from a wide range of lenders. We have both traditional banks and modern, fully online banks in our network. Applying for a loan through us is easy and secure: everything happens through an encrypted connection, and only essential information for the loan application is forwarded to the lenders.
We offer unsecured loans only, which means quick processing and you receive preliminary loan offers immediately. Unsecured loans don’t require collateral, significantly speeding up the application process.
Compare loans among multiple lenders. This means you maximize your chances of finding a loan with the lowest interest rate. Whether you’re applying for a large consumer loan for a car or boat purchase, or a smaller revolving credit to balance everyday expenses, it’s always a good idea to compare loans. A loan is often a commitment for years, so even seemingly small savings can add up significantly.
A 12,000€ loan can accrue costs as follows:
| Loan term | Effective interest rate | Total cost of the loan |
|---|---|---|
| 72 mths | 21,1% | 20 345,75 € |
| 72 mths | 6,05% | 14 274,66 € |
The loan calculations are indicative and do not pertain to any specific loan product.
The lower loan is an example of a 12,000€ loan obtained through OmaLaina with a six-year repayment period. In this scenario, those who compared loans through us save 6,071.09€ over the entire loan term, which amounts to over 80€ every month for six years!
However, please remember that loan offers are always personalized.
Find a suitable loan
You can apply for a loan of up to 60,000€, and the right loan is usually easy to find at Omalaina thanks to its comprehensive comparison. You can apply for a loan directly on this page, and filling out the application is simple. When comparing loan offers, it’s advisable to consider not only the loan amount and the annual percentage rate, but also any other possible costs. The loan term, the repayment period agreed for the loan, can be as long as 15 years, and you don’t need collateral
Note this about the loan interest
Remember that the interest rate and the monthly installment of the loan are determined based on the applicant’s financial situation. A financially stable applicant is always a lower risk for the lender, which results in a lower interest rate.
The loan interest rate is often not the only cost associated with the loan. In addition to the interest, there may be many other expenses included in the loan. These costs can be one-time or recurring. These expenses are always detailed in the loan agreement, so be sure to review it carefully.
Types of costs you may incur with your loan:
- Loan interest
- Origination fee
- Account maintenance fee
- Billing fee
- Additional services
With OmaLaina, you can get money paid into your account quickly and use the funds as you wish. When you need a loan, apply for it online directly – you may receive an offer in just a few minutes. You can tailor the loan repayment period and loan amount to your liking.
You can also opt for a grace period on loan repayments and pay only the account maintenance fee for a specific month. However, remember that this extends the loan term and makes the overall cost higher.
A long loan term can pose a risk
However, an extended loan term and the resulting lower monthly loan installment are a lesser evil compared to the potential problems that insolvency may cause.
Calculate the costs, and you will certainly find a suitable loan that not only meets your needs but also fits your financial situation. You can also pay off the loan in full if your financial situation allows for it later. You can often change the loan terms afterward, but this may involve significant fees.
Who determines the cost of the loan?
The final cost of a loan is determined by various factors, and these same factors also influence your eligibility for obtaining a loan. When applying for a loan, a potential lender always assesses the applicant’s risk, which can also be referred to as the applicant’s creditworthiness. How much you can borrow and under what conditions depends on this assessment. Factors affecting the applicant’s creditworthiness are specific to each lender, but generally include the applicant’s employment status, regular income, housing situation, family size, and other debts.
When you manage your finances well, you also become a more attractive customer in the eyes of banks. Applying for a loan with a co-applicant can also improve your chances of obtaining credit.
The loan interest rate is personal
The loan interest rate is almost always personal and, in addition to the loan term, the most significant factor affecting the cost of the loan. Besides the interest rate, other fees such as origination, billing, and account maintenance fees also impact the total cost of the loan. These costs can be one-time, such as the origination fee, or monthly, like the account maintenance fee.
The loan term is the agreed period in the loan agreement within which the loan must be repaid. It is possible to shorten the loan term by making larger than agreed-upon loan payments. You can also make additional payments if the loan agreement allows for it.
Typically, the loan is repaid within the agreed time frame. If you encounter difficulties with loan repayment, terms can often be modified, but this should always be discussed separately with the party that granted the loan. Through OmaLaina, you can quickly and easily compare different lenders.
Fill out the loan application and see at what rate you can obtain a loan.
How to find the best loan?
You can apply for a loan of up to 60,000€ and choose the loan that suits your needs. The best loan isn’t always the cheapest option, although the cost is always an important factor. When comparing loan offers, it’s a good idea to consider not only the loan amount and the annual percentage rate but also any other possible costs. The loan term can be as long as 15 years, and all loans are unsecured, so it’s important to carefully consider the interest costs before committing to a long-term loan.
Remember that the loan interest rate, and thus the monthly installment, largely depends on the applicant’s financial situation.
You can improve your creditworthiness by reducing your debt load or applying for a loan with someone else. Someone who has managed their finances well can apply for a loan at a more favorable interest rate.
OmaLaina is your reliable loan partner
With OmaLaina, you can quickly get funds into your account and use them as you wish. When you need a loan, apply for one online directly – you may receive an offer in just a few minutes. You can tailor the loan repayment period and amount to suit your needs. You can also opt for a grace period on loan repayments and pay only the account maintenance fee.
Calculate the costs, and you will surely find a suitable loan that not only meets your needs but also fits your financial situation. If your financial situation allows, you can also pay off the loan in full later.
Unsecured loans are easily obtainable, but they require extra caution from the loan applicant. Even a 10,000€ loan can become problematic if the loan term is too long, and costs spiral out of control.
Consider these questions when choosing a loan:
- Is the loan amount sufficient?
- Can you comfortably repay the monthly installments as agreed?
- Is the loan’s annual percentage rate competitive?
Also, think about whether an unsecured loan is the only way to achieve your goals. If you don’t have a credit card, applying for one might provide more cost-effective financing than personal loans. If you’re a student, you may be eligible for government-backed student loans, which are always the most affordable option.
OmaLaina’s comparison service compares loans up to 60,000€ without requiring collateral or guarantors. Applying for a loan is secure, and you can start from small amounts, as low as 500€. You can apply for a loan for purposes such as buying a car, home renovation, or other necessary expenses. All loan offers include the annual percentage rate and associated costs that affect the total loan expenses.
You can also contact our customer service for assistance in finding the loan that’s just right for you.
Submit a loan application and receive an instant loan decision
Applying for a loan and processing it is fast, and you can have the funds in your account today, but within a maximum of a few days. If you’re a returning customer, you can also log in to your OmaTili (My Account) and check what kind of affordable loan you qualify for at the moment. If you have any uncertainties regarding the application, don’t hesitate to contact our customer service, and we will assist you in finding the right loan.
Remember that the best loan isn’t always the cheapest one but rather the one that suits your current financial situation.