Updated: February 22, 2026
LuottoBotti (luottobotti.fi) is an advertising service that displays current advertising offers from lenders. The service is operated by NET Partner OÜ (Estonia).
LuottoBotti is not a lender or credit intermediary. We do not grant loans, do not intermediate credits, and do not provide personalized financial advice or recommendations. We do not participate in the preparation or conclusion of credit agreements.
The service operates solely as a digital advertising platform (media/publisher) where lenders can showcase their products and services to consumers. All offers presented on the site are advertisements from lenders.
All credit offers displayed on the website and chatbot are advertisements. Advertisements are clearly marked with the label "Advertisement" (Mainos / Ad).
Advertisement content is prepared based on information provided by lenders and publicly available materials. We strive to present information accurately, but we cannot guarantee its timeliness or completeness, as lender terms may change without separate notice.
Important: Interest rates, amounts, and other terms shown in advertisements are indicative. Exact and personalized loan terms (interest rate, fees, total cost) can only be obtained from the lender. Always review the credit agreement carefully before signing.
The website chatbot functions as a smart search tool that helps users browse advertising offers by category. The chatbot:
The chatbot is not a credit intermediary or advisory service as defined in the EU Consumer Credit Directive (2023/2225, "CCD2"), as it does not perform the activities defined in Article 3 of the directive for remuneration.
The website's revenue comes from advertising partnerships. Lenders or affiliate networks pay for the performance of their advertisements on our site. This is a standard digital advertising model (performance marketing), where the advertiser pays for the effectiveness of their ad campaign. This business model:
The website complies with the Finnish Consumer Protection Act (38/1978) Chapter 7 provisions on consumer credit marketing:
In Finland, the consumer credit interest rate cap is 20% (from 1 Oct 2023).
We do not collect or store users' personal data. The chatbot conversation is completely anonymous and no data is stored on our servers. The site uses SimpleAnalytics, which operates without cookies and is completely anonymous.
When a user navigates to a lender's site through an advertisement, the lender's own privacy policy applies.
Advertisements displayed on the site are provided by lenders. We do not guarantee the accuracy, timeliness, or completeness of advertisement information.
The final lending decision is always made by the lender on the lender's own website. LuottoBotti does not participate in the decision-making process.
The website does not provide financial advice. We recommend consulting an independent financial expert before making loan decisions.
The site uses functional cookies (language preference) and optional partner tracking cookies. You can manage cookie settings from the bottom of the page.
The website displays advertisements from multiple lenders. An up-to-date list of advertisers is available in the partners section of the site. Lenders may change without separate notice.
NET Partner OÜ
Registry code: 11299597
Narva, Estonia 21020
Email: info@luottobotti.fi