Loans in Finland – Compare Loan Offers from Finnish Lenders
Browse and compare loan offers in Finland from 25+ Finnish lenders in one place. Personal loans, quick loans, mortgages, car loans and business credit – find the best loan in Finland in a few minutes.
Loans in Finland – Compare Loan Offers from Finnish Lenders
Browse and compare loan offers in Finland from 25+ Finnish lenders in one place. Personal loans, quick loans, mortgages, car loans and business credit – find the best loan in Finland in a few minutes.
How loan ad browsing works
Comparing loan offers from different websites takes time. LuottoBotti brings lender advertisements together in one place – choose a category and browse current offers easily.
We don’t collect your data and don’t perform credit scoring. The chatbot helps you navigate advertising offers quickly by loan type.
Choose a category
Choose a category: Press the BROWSE button and select the loan type you’re interested in.
Browse ads
Browse ads: See current advertising offers in your selected category.
Go to lender
Go to the lender: From an interesting ad, go directly to the lender’s website.
Why use LuottoBotti?
Quick browsing
Find interesting loan ads in just a few minutes.
Various loan types
Consumer loans, quick loans, mortgages, car loans and more.
Safe and anonymous
We do not collect personal data. Browsing is completely anonymous.
Browse loan ads by category
Different life situations require different financial solutions. Browse lender advertising offers by category and find interesting options on the Finnish loan market.
Consumer Loan
For larger purchases – 500–60,000€. APR from 7.9%.
Quick Loan
Fast financing – money to your account even the same day. 100–5,000€.
Flexible Credit
Flexible credit line – pay interest only on the amount used.
Mortgage
Compare bank mortgage offers – best long-term conditions.
Car Loan
Financing for new or used cars. APR from 5.5%.
Business Credit
Financing for business growth – 5,000–100,000€.
Consolidation Loan
Combine loans into one – lower monthly payment and interest.
Credit Card
Compare credit card benefits, rates and annual fees.
How to browse loan ads
The whole process takes just a few minutes. Here is a step-by-step guide to browsing loan ads.
Choose a category
Select the loan type you’re interested in (consumer loan, quick loan, etc.).
Start the bot
The bot shows current advertising offers in your selected category.
Browse offers
Explore ads from different lenders and compare them.
Go to the lender
From an interesting ad, go directly to the lender’s own website.
Apply at the lender
Loan applications are always made directly on the lender’s site, not ours.
Tips for better results
- Compare multiple advertising offers before deciding – the lowest interest rate is not always the best option
- Pay attention to the APR (Annual Percentage Rate) – it shows the true cost of the loan
- Always verify offer terms directly on the lender’s website before applying
- All offers shown on the site are advertisements – the final lending decision is always made by the lender
Situations where browsing offers in one place helps
These are descriptions of common situations, not customer reviews. LuottoBotti publishes no user testimonials, no star ratings and no recommendations — the comparison is yours to make and the credit decision is always the lender’s.
A purchase with a known price
The amount and the timing are already clear, so the comparison should be based on the annual percentage rate and the total repayable. A low monthly instalment on its own says nothing about the price.
An unexpected cost mid-month
Urgency pushes people towards the first offer they find. Seeing the terms side by side makes it quick to check what a short repayment period and one-off fees actually cost.
Several open credits at once
With many due dates the overall picture blurs. Placing offers next to each other helps you see whether consolidating is worth considering or whether the existing agreements are better left alone.
A car purchase in the coming months
Financing is usually offered at the dealership. Comparing beforehand gives you a reference point of your own to hold the seller’s offer against.
A renovation whose scope keeps changing
A one-off loan and a revolving credit limit are priced differently. Reading both sets of terms in parallel clarifies which one suits costs that arrive in stages.
Seasonal financing need in a business
Business finance terms differ from consumer credit and are not covered by the same consumer protection rules. Browsing them separately keeps the two product types from being confused.
Frequently Asked Questions
LuottoBotti is an advertising service that displays current advertising offers from lenders. We are not a lender or credit intermediary.
No. LuottoBotti only displays lender advertisements. We do not grant loans, do not intermediate credits, and do not give personalized recommendations.
Yes. We do not collect or store your personal data. Browsing offers is completely anonymous.
Our website revenue comes from advertising income. Lenders pay for the visibility of their ads on our site. This does not cause additional costs for the user.
The bot works as a smart search tool: you select a category and the bot shows current advertising offers. The bot does not collect your data or perform credit analysis.
APR is a percentage representing the total cost of a loan, including the nominal interest rate plus all fees. APR is the best way to compare loan offers.
Yes, LuottoBotti is completely free for the user. We do not charge service fees.
Anyone who wants to browse current loan advertisements from one place and save time comparing different websites.
In Finland, the consumer credit interest cap is 20% (from 1 Oct 2023). This protects consumers from excessive interest rates.
Getting a loan in Finland as a foreigner is possible but depends on the lender. Most require a Finnish personal identity code (henkilötunnus), a Finnish bank account and proof of income in Finland. Some loan companies in Finland offer products specifically for residents who are not Finnish citizens.
Finland has a wide range of loan companies including traditional banks (Nordea, OP, Danske Bank) and digital lenders. All consumer credit providers must be registered with FIN-FSA (Finanssivalvonta). LuottoBotti displays advertising offers from 25+ licensed lenders.
Lenders & Banks
We aggregate advertising offers from Finland’s leading lenders and banks. Browse current offers and go directly to the lender’s website.
What the figures in an advertisement mean
Every advertisement shows the same basic details: the credit amount, the repayment period, the nominal interest rate and the annual percentage rate, known in Finnish as todellinen vuosikorko or TVK. The APR is the only figure that lets you place two offers side by side honestly, because it folds the origination fee, the monthly account fee and every other compulsory cost into one number. Two loans advertised at the same 9% nominal rate can differ by several percentage points once the fees are counted.
The second figure worth reading next to the monthly payment is the total amount repayable. A longer term lowers the monthly instalment but raises the total cost, because interest accrues over more months. The same €8,000 loan is clearly cheaper over three years than over seven, even if the shorter term feels heavier month to month.
Three numbers are enough for a first comparison
- APR — the full annual price of the credit, fees included.
- Monthly payment — whether your budget carries it even when other costs rise.
- Total repayable — what the credit finally costs.
Write those three down for two or three offers and the choice usually makes itself. If you are new to the Finnish market, start with consumer loans, which are the most common unsecured product here.
The interest rate cap
In Finland the nominal interest rate on consumer credit may not exceed 20% per year. The cap applies to the nominal rate, not to the APR, so the APR can exceed the cap when the credit carries separate fees. Additional rules limit those other charges so the cap cannot be circumvented through fees.
What lenders check
Lenders assess repayment capacity from income, expenses and credit records. A residence permit and a Finnish personal identity code are normally required, and most lenders also expect a Finnish bank account. A negative decision is common and rarely comes down to one single factor. LuottoBotti plays no part in that assessment — the bot only displays advertisements.
Credit types at a glance
The table below gathers the typical amounts, terms and purposes. The figures are general market ranges, not an offer from any single lender.
| Credit type | Typical amount | Term | Security |
|---|---|---|---|
| Consumer loan | €500–60,000 | 6–120 months | Usually none |
| Quick loan | €100–5,000 | 1–60 months | None |
| Flexible credit | €100–10,000 limit | Revolving | None |
| Mortgage | €30,000–500,000 | 10–30 years | The home |
| Car loan | €3,000–60,000 | 1–8 years | Often the car |
| Consolidation loan | €2,000–60,000 | 1–15 years | Usually none |
| Credit card | €500–15,000 limit | Revolving | None |
| Business credit | €2,000–250,000 | 1–10 years | Varies |
Browse the credit types
Different needs call for different credit types. The list below explains in one line what each product is for, so you can move straight to the right comparison.
Representative example of the cost of credit
Every credit advertisement in Finland must state the annual percentage rate (APR) together with a representative example, so the price of the credit is visible next to the figures. The example below shows how the cost of a typical consumer loan builds up in practice. Read more in our guide on the annual percentage rate.
| Item | Value |
|---|---|
| Credit amount | €8,000 |
| Repayment period | 48 months |
| Nominal interest rate | 9.9% (fixed) |
| Fees included | origination fee €0, account fee €5/month |
| Annual percentage rate (APR) | 12.3% |
| Monthly payment | €207 |
| Total amount repayable | €9,936 |
The figures are an illustrative example, not a binding offer. The lender always confirms the final APR, fees and payment schedule in the credit agreement. Borrowing money costs money.
LuottoBotti’s role and responsible borrowing
LuottoBotti is an advertising service, not a financial service. LuottoBotti is not a credit institution and not a financial intermediary: we do not grant credit, we do not process or forward loan applications, and we do not make credit decisions. We do not charge users or lenders a commission on any agreement — the lender is always responsible for its own terms, pricing and decision.
Before applying for credit, assess your ability to repay calmly and, if needed, talk it through with a professional — for example an adviser at your own bank or the free financial and debt counselling service. Borrow only as much as you can repay, and read the credit agreement in full before signing.
Offers shown are advertisements. Links to lenders are marked as advertising and carry rel="sponsored nofollow noopener". Consumer credit in Finland is governed by the Consumer Protection Act (kuluttajansuojalaki) and the Interest Act (korkolaki 633/1982), and is supervised by the Finnish Financial Supervisory Authority.