Personal & Consumer Loans
Compare 56 personal loan and auto finance products from Nordic & Baltic banks and insurance companies.
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56 products found
All loan offers
OP
Cooperative
FIOP Auto Finance
🚗 Auto Loan4.99%
APR from
up to 12.99%
Loan Range
€3K – €100K
Term
1 yr – 7 yrs
Illustrative example
€10K over 5 yrs = €189/mo · Total: €11,320
at the lowest advertised rate, 4.99%, fees excluded
LHV
Bank
EEPersonal Loan
👤 Personal Loan5.90%
APR from
up to 27.90%
Loan Range
€300 – €20K
Term
6 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €193/mo · Total: €11,572
at the lowest advertised rate, 5.90%, fees excluded
LähiTapiola
InsuranceFIAuto Finance
🚗 Auto Loan5.99%
APR from
up to 14.99%
Loan Range
€5K – €80K
Term
1 yr – 6 yrs
Illustrative example
€10K over 5 yrs = €193/mo · Total: €11,597
at the lowest advertised rate, 5.99%, fees excluded
Gjensidige
Insurance
NOCar Financing
🚗 Auto Loan5.99%
APR from
up to 13.99%
Loan Range
kr.50K – kr.1.0M
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = NOK 193/mo · Total: NOK 11,597
at the lowest advertised rate, 5.99%, fees excluded
Nordea
Bank
SEPrivatlån
👤 Personal Loan6.49%
APR from
up to 17.99%
Loan Range
kr.10K – kr.600K
Term
1 yr – 10 yrs
Illustrative example
kr.10K over 5 yrs = SEK 196/mo · Total: SEK 11,737
at the lowest advertised rate, 6.49%, fees excluded
OP
CooperativeFIOP Consumer Credit
👤 Personal Loan6.50%
APR from
up to 17.90%
Loan Range
€2K – €70K
Term
1 yr – 10 yrs
Illustrative example
€10K over 5 yrs = €196/mo · Total: €11,740
at the lowest advertised rate, 6.50%, fees excluded
Citadele
Bank
LVPersonal Loan
👤 Personal Loan6.50%
APR from
up to 28.90%
Loan Range
€300 – €20K
Term
6 mo – 8 yrs
Illustrative example
€10K over 5 yrs = €196/mo · Total: €11,740
at the lowest advertised rate, 6.50%, fees excluded
Citadele
BankEEConsumer Loan
👤 Personal Loan6.50%
APR from
Loan Range
€1K – €25K
Term
6 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €196/mo · Total: €11,740
at the lowest advertised rate, 6.50%, fees excluded
Citadele
BankEECar Loan
🚗 Auto Loan6.50%
APR from
Loan Range
€1K – €25K
Term
6 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €196/mo · Total: €11,740
at the lowest advertised rate, 6.50%, fees excluded
DNB
BankNOConsumer Loan
👤 Personal Loan6.90%
APR from
up to 18.90%
Loan Range
kr.10K – kr.600K
Term
1 yr – 10 yrs
Illustrative example
kr.10K over 5 yrs = NOK 198/mo · Total: NOK 11,852
at the lowest advertised rate, 6.90%, fees excluded
Länsförsäkringar
InsuranceSEPrivatlån
👤 Personal Loan6.90%
APR from
up to 16.90%
Loan Range
kr.10K – kr.350K
Term
1 yr – 8 yrs
Illustrative example
kr.10K over 5 yrs = SEK 198/mo · Total: SEK 11,852
at the lowest advertised rate, 6.90%, fees excluded
Coop Pank
BankEECar Loan
🚗 Auto Loan6.90%
APR from
Loan Range
€300 – €25K
Term
6 mo – 10 yrs
Illustrative example
€10K over 5 yrs = €198/mo · Total: €11,852
at the lowest advertised rate, 6.90%, fees excluded
Bigbank
BankEEAuto Loan
🚗 Auto Loan6.90%
APR from
up to 19.90%
Loan Range
€1K – €50K
Term
1 yr – 7 yrs
Illustrative example
€10K over 5 yrs = €198/mo · Total: €11,852
at the lowest advertised rate, 6.90%, fees excluded
Bank Norwegian
BankNOConsumer Loan
👤 Personal Loan6.90%
APR from
up to 21.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 5 yrs
Illustrative example
kr.10K over 5 yrs = NOK 198/mo · Total: NOK 11,852
at the lowest advertised rate, 6.90%, fees excluded
Danske Bank
Bank
DKFlexLoan Personal
👤 Personal Loan6.99%
APR from
up to 18.49%
Loan Range
kr.15K – kr.600K
Term
1 yr – 12 yrs
Illustrative example
kr.10K over 5 yrs = DKK 198/mo · Total: DKK 11,878
at the lowest advertised rate, 6.99%, fees excluded
SBAB
GovernmentSEPrivatlån
👤 Personal Loan6.99%
APR from
up to 17.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 8 yrs
Illustrative example
kr.10K over 5 yrs = SEK 198/mo · Total: SEK 11,878
at the lowest advertised rate, 6.99%, fees excluded
SEB
BankSEPrivatlån
👤 Personal Loan7.00%
APR from
up to 19.99%
Loan Range
kr.10K – kr.500K
Term
1 yr – 10 yrs
Illustrative example
kr.10K over 5 yrs = SEK 198/mo · Total: SEK 11,881
at the lowest advertised rate, 7.00%, fees excluded
Nordea
BankFIPersonal Loan
👤 Personal Loan7.25%
APR from
up to 19.50%
Loan Range
€1K – €50K
Term
6 mo – 10 yrs
Illustrative example
€10K over 5 yrs = €199/mo · Total: €11,952
at the lowest advertised rate, 7.25%, fees excluded
AL Bank
BankDKAL Forbrugslån
👤 Personal Loan7.50%
APR from
up to 18.90%
Loan Range
kr.10K – kr.400K
Term
1 yr – 10 yrs
Illustrative example
kr.10K over 5 yrs = DKK 200/mo · Total: DKK 12,023
at the lowest advertised rate, 7.50%, fees excluded
Mandatum
InsuranceFILife Insurance Credit
👤 Personal Loan7.50%
APR from
up to 18.50%
Loan Range
€2K – €40K
Term
1 yr – 7 yrs
Illustrative example
€10K over 5 yrs = €200/mo · Total: €12,023
at the lowest advertised rate, 7.50%, fees excluded
Handelsbanken
BankSEPrivatlån
👤 Personal Loan7.50%
APR from
up to 18.50%
Loan Range
kr.20K – kr.400K
Term
1 yr – 8 yrs
Illustrative example
kr.10K over 5 yrs = SEK 200/mo · Total: SEK 12,023
at the lowest advertised rate, 7.50%, fees excluded
Nordea
BankDKPersonal Loan
👤 Personal Loan7.90%
APR from
up to 19.90%
Loan Range
kr.20K – kr.500K
Term
1 yr – 10 yrs
Illustrative example
kr.10K over 5 yrs = DKK 202/mo · Total: DKK 12,137
at the lowest advertised rate, 7.90%, fees excluded
Coop Pank
BankEESmall Loan
👤 Personal Loan7.90%
APR from
Loan Range
€300 – €25K
Term
6 mo – 10 yrs
Illustrative example
€10K over 5 yrs = €202/mo · Total: €12,137
at the lowest advertised rate, 7.90%, fees excluded
Bigbank
BankEEPersonal Loan
👤 Personal Loan7.90%
APR from
up to 29.90%
Loan Range
€500 – €15K
Term
6 mo – 8 yrs
Illustrative example
€10K over 5 yrs = €202/mo · Total: €12,137
at the lowest advertised rate, 7.90%, fees excluded
Swedbank
BankLVConsumer Credit
👤 Personal Loan7.90%
APR from
Loan Range
€300 – €20K
Term
6 mo – 10 yrs
Illustrative example
€10K over 5 yrs = €202/mo · Total: €12,137
at the lowest advertised rate, 7.90%, fees excluded
Aktia
BankFIPersonal Loan
👤 Personal Loan7.90%
APR from
up to 20.90%
Loan Range
€2K – €50K
Term
1 yr – 8 yrs
Illustrative example
€10K over 5 yrs = €202/mo · Total: €12,137
at the lowest advertised rate, 7.90%, fees excluded
Komplett Bank
BankNOForbrukslån
👤 Personal Loan7.90%
APR from
up to 22.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 5 yrs
Illustrative example
kr.10K over 5 yrs = NOK 202/mo · Total: NOK 12,137
at the lowest advertised rate, 7.90%, fees excluded
SpareBank 1
CooperativeNOForbrukslån
👤 Personal Loan7.99%
APR from
up to 21.90%
Loan Range
kr.10K – kr.500K
Term
1 yr – 8 yrs
Illustrative example
kr.10K over 5 yrs = NOK 203/mo · Total: NOK 12,163
at the lowest advertised rate, 7.99%, fees excluded
PFA
InsuranceDKPFA Member Loan
👤 Personal Loan8.00%
APR from
up to 16.00%
Loan Range
kr.20K – kr.300K
Term
1 yr – 8 yrs
Illustrative example
kr.10K over 5 yrs = DKK 203/mo · Total: DKK 12,166
at the lowest advertised rate, 8.00%, fees excluded
Jyske Bank
BankDKConsumer Loan
👤 Personal Loan8.49%
APR from
up to 21.99%
Loan Range
kr.10K – kr.300K
Term
1 yr – 8 yrs
Illustrative example
kr.10K over 5 yrs = DKK 205/mo · Total: DKK 12,307
at the lowest advertised rate, 8.49%, fees excluded
SEB
BankEEConsumer Loan
👤 Personal Loan8.50%
APR from
Loan Range
€1K – €40K
Term
6 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €205/mo · Total: €12,310
at the lowest advertised rate, 8.50%, fees excluded
SEB
BankEECar Loan
🚗 Auto Loan8.50%
APR from
Loan Range
€2K – €40K
Term
6 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €205/mo · Total: €12,310
at the lowest advertised rate, 8.50%, fees excluded
Oma Sp
CooperativeFIConsumer Loan
👤 Personal Loan8.50%
APR from
up to 21.50%
Loan Range
€1K – €35K
Term
6 mo – 8 yrs
Illustrative example
€10K over 5 yrs = €205/mo · Total: €12,310
at the lowest advertised rate, 8.50%, fees excluded
Storebrand
InsuranceNOPersonal Loan
👤 Personal Loan8.50%
APR from
up to 20.90%
Loan Range
kr.20K – kr.400K
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = NOK 205/mo · Total: NOK 12,310
at the lowest advertised rate, 8.50%, fees excluded
Sparekassen KJ
CooperativeDKPrivatlån
👤 Personal Loan8.90%
APR from
up to 22.50%
Loan Range
kr.10K – kr.250K
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = DKK 207/mo · Total: DKK 12,426
at the lowest advertised rate, 8.90%, fees excluded
Landsbankinn
Bank
ISConsumer Loan
👤 Personal Loan8.90%
APR from
up to 20.50%
Loan Range
kr.100K – kr.10.0M
Term
6 mo – 10 yrs
Illustrative example
kr.10K over 5 yrs = ISK 207/mo · Total: ISK 12,426
at the lowest advertised rate, 8.90%, fees excluded
Swedbank
BankEEConsumer Loan
👤 Personal Loan8.90%
APR from
up to 24.90%
Loan Range
€500 – €30K
Term
6 mo – 10 yrs
Illustrative example
€10K over 5 yrs = €207/mo · Total: €12,426
at the lowest advertised rate, 8.90%, fees excluded
Resurs Bank
BankSEPrivatlån
👤 Personal Loan8.90%
APR from
up to 26.90%
Loan Range
kr.5K – kr.350K
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = SEK 207/mo · Total: SEK 12,426
at the lowest advertised rate, 8.90%, fees excluded
Inbank
BankEEConsumer Loan
👤 Personal Loan8.90%
APR from
up to 28.90%
Loan Range
€500 – €20K
Term
3 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €207/mo · Total: €12,426
at the lowest advertised rate, 8.90%, fees excluded
Inbank
BankEEAuto Loan
🚗 Auto Loan8.90%
APR from
up to 21.90%
Loan Range
€1K – €50K
Term
1 yr – 6 yrs
Illustrative example
€10K over 5 yrs = €207/mo · Total: €12,426
at the lowest advertised rate, 8.90%, fees excluded
LähiTapiola
InsuranceFIPersonal Loan
👤 Personal Loan8.99%
APR from
up to 22.99%
Loan Range
€1K – €30K
Term
6 mo – 8 yrs
Illustrative example
€10K over 5 yrs = €208/mo · Total: €12,452
at the lowest advertised rate, 8.99%, fees excluded
Middelfart Spar.
CooperativeDKPrivatlån
👤 Personal Loan9.50%
APR from
up to 23.90%
Loan Range
kr.5K – kr.200K
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = DKK 210/mo · Total: DKK 12,601
at the lowest advertised rate, 9.50%, fees excluded
Íslandsbanki
BankISPersonal Loan
👤 Personal Loan9.50%
APR from
up to 22.00%
Loan Range
kr.100K – kr.8.0M
Term
1 yr – 8 yrs
Illustrative example
kr.10K over 5 yrs = ISK 210/mo · Total: ISK 12,601
at the lowest advertised rate, 9.50%, fees excluded
Gjensidige
InsuranceNOForbrukslån
👤 Personal Loan9.50%
APR from
up to 23.50%
Loan Range
kr.20K – kr.400K
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = NOK 210/mo · Total: NOK 12,601
at the lowest advertised rate, 9.50%, fees excluded
If Insurance FI
InsuranceFIInsurance Customer Loan
👤 Personal Loan9.90%
APR from
up to 23.90%
Loan Range
€1K – €25K
Term
6 mo – 6 yrs
Illustrative example
€10K over 5 yrs = €212/mo · Total: €12,719
at the lowest advertised rate, 9.90%, fees excluded
Tryg
InsuranceDKPersonal Finance
👤 Personal Loan9.99%
APR from
up to 24.99%
Loan Range
kr.10K – kr.200K
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = DKK 212/mo · Total: DKK 12,745
at the lowest advertised rate, 9.99%, fees excluded
Arion banki
BankISPersonal Credit
👤 Personal Loan10.50%
APR from
up to 24.90%
Loan Range
kr.50K – kr.5.0M
Term
1 yr – 7 yrs
Illustrative example
kr.10K over 5 yrs = ISK 215/mo · Total: ISK 12,896
at the lowest advertised rate, 10.50%, fees excluded
Luminor
BankEEConsumer Loan
👤 Personal Loan10.50%
APR from
up to 25.90%
Loan Range
€500 – €25K
Term
6 mo – 8 yrs
Illustrative example
€10K over 5 yrs = €215/mo · Total: €12,896
at the lowest advertised rate, 10.50%, fees excluded
Luminor
Bank
LTConsumer Loan
👤 Personal Loan10.50%
APR from
up to 24.50%
Loan Range
€500 – €25K
Term
6 mo – 8 yrs
Illustrative example
€10K over 5 yrs = €215/mo · Total: €12,896
at the lowest advertised rate, 10.50%, fees excluded
Swedbank
BankLTConsumer Loan
👤 Personal Loan10.90%
APR from
up to 24.90%
Loan Range
€500 – €30K
Term
6 mo – 10 yrs
Illustrative example
€10K over 5 yrs = €217/mo · Total: €13,016
at the lowest advertised rate, 10.90%, fees excluded
Luminor
BankLVConsumer Loan
👤 Personal Loan11.00%
APR from
up to 25.00%
Loan Range
€500 – €25K
Term
6 mo – 8 yrs
Illustrative example
€10K over 5 yrs = €217/mo · Total: €13,045
at the lowest advertised rate, 11.00%, fees excluded
Topdanmark
InsuranceDKInsurance Customer Credit
👤 Personal Loan11.50%
APR from
up to 26.90%
Loan Range
kr.5K – kr.150K
Term
6 mo – 6 yrs
Illustrative example
kr.10K over 5 yrs = DKK 220/mo · Total: DKK 13,196
at the lowest advertised rate, 11.50%, fees excluded
Medicinos bankas
BankLTPersonal Loan
👤 Personal Loan12.00%
APR from
up to 26.90%
Loan Range
€500 – €20K
Term
6 mo – 6 yrs
Illustrative example
€10K over 5 yrs = €222/mo · Total: €13,347
at the lowest advertised rate, 12.00%, fees excluded
Citadele
BankLTConsumer Loan
👤 Personal Loan12.90%
APR from
up to 27.90%
Loan Range
€300 – €18K
Term
6 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €227/mo · Total: €13,621
at the lowest advertised rate, 12.90%, fees excluded
Šiaulių bankas
BankLTPersonal Credit
👤 Personal Loan13.90%
APR from
up to 29.90%
Loan Range
€300 – €15K
Term
3 mo – 7 yrs
Illustrative example
€10K over 5 yrs = €232/mo · Total: €13,930
at the lowest advertised rate, 13.90%, fees excluded
BluOr
BankLVPersonal Loan
👤 Personal Loan13.90%
APR from
up to 29.90%
Loan Range
€500 – €15K
Term
6 mo – 5 yrs
Illustrative example
€10K over 5 yrs = €232/mo · Total: €13,930
at the lowest advertised rate, 13.90%, fees excluded
Borrowing in the Nordics and Baltics: which loan type fits
The right loan is decided by what secures it. Unsecured consumer credit is fast and flexible but costs more; secured borrowing against a car or property costs less and takes longer to arrange. Rates, affordability rules and lender mix differ by country, so the same borrower gets different answers in Tallinn and Helsinki.
Secured or unsecured: the choice that sets your rate
Every consumer loan sits on one side of a line. Unsecured credit — a personal loan, an overdraft, a credit card — is backed only by your promise to repay, so the lender prices in the risk of getting nothing back. Secured credit is backed by an asset the lender can take: the property in a mortgage, the vehicle in car finance. That security is why a mortgage costs a fraction of what a personal loan costs.
The practical consequence is that the cheapest route depends on what you own, not only on what you earn. Someone with property may find that borrowing against it beats an unsecured loan for a large renovation. Someone without collateral is comparing unsecured offers, and there the spread between lenders is wide enough that comparison does most of the work.
Term length pulls in the opposite direction to monthly affordability. Stretching a loan reduces the monthly payment and increases the total cost, sometimes substantially. When you compare, hold the term constant — otherwise you are comparing two different products wearing the same name.
Which product for which purpose
For a home purchase the answer is a mortgage, and the number that matters is the bank margin rather than the headline rate, because the reference rate is the same for everyone. We cover how Euribor and margin interact in mortgages.
For a car, you are choosing between a loan, leasing and hire purchase — and the difference is who owns the vehicle rather than the interest rate. That choice also decides who carries depreciation and whether comprehensive insurance becomes contractually compulsory. See car finance.
For consolidating existing debts, renovating without touching a mortgage, or covering a one-off cost, unsecured personal loans are the usual route. For a company, the assessment shifts from your income to the business cash flow entirely — that is business finance.
One case deserves its own mention: refinancing. If you took credit when your circumstances were weaker, the rate you were given reflects that. Consumer credit in the EU carries a right to repay early, so moving a loan is a real option — worth checking whenever your income, employment stability or credit record has improved.
Why the same borrower gets different answers by country
The Baltics and the euro-area Nordics price variable loans off Euribor, so the reference rate is shared. What differs is the margin, the fee structure and how conservative each market lender is. Denmark, Norway, Sweden and Iceland run their own currencies and central bank rates, which is why their loan pricing moves independently of the euro area.
Affordability rules differ too. Each country applies its own caps on how much of your net income can go to debt service, and lenders stress-test against a higher rate than today. Two people with identical salaries can therefore be approved for different amounts depending on which side of a border they are applying from.
Residency is the third variable and often the decisive one for newcomers. Lenders lean heavily on a local personal identity code, a domestic bank account receiving salary, and a credit history in that country. This is why an experienced professional can be refused in their first year despite strong income — the file lacks local record, not creditworthiness. Country-by-country detail is in our country pages.
How to compare without being misled
Compare on APRC, not the nominal rate. APRC includes the contract fee and the payment schedule, which is why two loans advertising the same interest rate can cost noticeably different amounts. Rates written as from a given percentage are best-case figures offered to the strongest applicants — your personal offer follows a credit assessment.
Check the fees that never appear in the headline: contract or arrangement fees, collateral registration costs on secured loans, and any charge for early settlement. Ask for the total cost in writing before signing. A lender that will not put it in writing has told you something useful.
Our comparison reads published rates from lender sources and refreshes them daily, so what you see reflects what banks are advertising now rather than a number written into an article months ago. Use the loan calculator to test how term length changes both the monthly payment and the total repayable before you apply anywhere.
Frequently asked questions
What is the difference between a secured and an unsecured loan?+
A secured loan is backed by an asset the lender can claim — property in a mortgage, the vehicle in car finance — which lowers the lender risk and therefore the rate. Unsecured credit is backed only by your promise to repay, so it is faster to arrange but costs more.
Should I compare on the interest rate or the APRC?+
APRC. It folds in the contract fee and the payment schedule, so it reflects what the loan actually costs. Two offers with the same nominal rate can have different APRC because of fees. Compare over the same amount and the same term, or you are comparing different products.
Why do loan rates differ between Nordic and Baltic countries?+
The Baltics and euro-area Nordics price variable loans off Euribor, so the reference is shared and banks compete on margin. Denmark, Norway, Sweden and Iceland use their own currencies and central bank rates, so their pricing moves independently. Affordability rules also differ by country.
Can I refinance an existing loan?+
Yes. Consumer credit in the EU carries a right to early repayment, though the lender may charge compensation within limits set by law. Refinancing is most worthwhile when your income, employment stability or credit record has improved since you first borrowed.
Why was I refused despite a good salary?+
Usually a thin local file rather than weak finances. Lenders lean on a domestic personal identity code, a local account receiving your salary, and credit history in that country. Newcomers often need a period of local record before applications succeed, even with strong income.