A personal loan (kulutusluotto) is the most popular loan type in Finland for larger purchases. Compare consumer loan offers from Finnish loan companies and find the best rates – all in one place, completely free.
Browse offersStart the bot and select the consumer loan category.
Browse current advertising offers from lenders.
Go to the lender’s site through an interesting ad.
* The calculator is indicative. Actual terms depend on the lender.
Advertising offers with APR from 7.9%.
Browse dozens of offers from one place.
Offers between 6–120 months.
Foreigners living in Finland can apply for loans on largely the same terms as Finnish citizens – the key requirement is being an established resident. Lenders typically look for:
A longer residence and credit history in Finland generally improves the offers available. LuottoBotti lets you browse and compare offers anonymously before applying – the application is always made on the lender’s own site.
To find the cheapest loan in Finland, don’t compare the nominal interest rate alone. The real cost is shown by the APR (todellinen vuosikorko), which includes interest and all fees. When comparing offers, check:
By Finnish law every consumer-credit ad must show a representative APR example, so you can compare like for like.
In Finland, the consumer credit interest cap is 20% (from 1 Oct 2023). APR may be higher including all costs.
Yes. Foreign residents can apply on similar terms to citizens, provided they have a Finnish personal identity code, a registered address, a valid residence permit (for non-EU citizens) and regular income.
In Finland they mean the same thing – an unsecured loan (kulutusluotto) you can use freely. “Personal loan” is simply the common English term for the same product.
Consumer loans are usually unsecured, but larger amounts may require a guarantor.
Usually within 1-2 business days of approval. The lender decides the timeline.