Nordic · EUR · EurozoneLoans in Finland: compare current bank rates
8
institutions
14
products
6.50%
personal from
3.25%
mortgage from
Finland has one of Europe’s most competitive consumer credit markets, with a strong culture of comparing offers before committing. As a eurozone country, variable-rate mortgages are overwhelmingly tied to EURIBOR — most commonly the 12-month rate — plus a negotiated bank margin.
Major banks such as OP Financial Group, Nordea and Aktia coexist with a broad field of digital lenders. Non-residents face real barriers: banks generally require Finnish residency, a local ID code and income history before granting credit.
Current offers in Finland
OP
CooperativeFIOP Home Loan
🏠 Mortgage3.25%
APR from
up to 5.50%
Loan Range
€20K – €1.5M
Term
5 yrs – 25 yrs
Representative Example
€10K over 5 yrs = €181/mo · Total: €10,848
at 3.25% APR
Nordea
BankFIHome Loan
🏠 Mortgage3.50%
APR from
up to 5.75%
Loan Range
€30K – €2.0M
Term
5 yrs – 25 yrs
Representative Example
€10K over 5 yrs = €182/mo · Total: €10,915
at 3.50% APR
Aktia
BankFIHome Loan
🏠 Mortgage3.60%
APR from
up to 5.90%
Loan Range
€20K – €1.2M
Term
5 yrs – 25 yrs
Representative Example
€10K over 5 yrs = €182/mo · Total: €10,942
at 3.60% APR
OP
CooperativeFIOP Business Loan
🏢 Business Loan4.50%
APR from
up to 10.50%
Loan Range
€10K – €5.0M
Term
1 yr – 10 yrs
Representative Example
€10K over 5 yrs = €186/mo · Total: €11,186
at 4.50% APR
OP
CooperativeFIOP Auto Finance
🚗 Auto Loan4.99%
APR from
up to 12.99%
Loan Range
€3K – €100K
Term
1 yr – 7 yrs
Representative Example
€10K over 5 yrs = €189/mo · Total: €11,320
at 4.99% APR
Nordea
BankFIBusiness Credit
🏢 Business Loan5.00%
APR from
up to 11.00%
Loan Range
€20K – €3.0M
Term
1 yr – 7 yrs
Representative Example
€10K over 5 yrs = €189/mo · Total: €11,323
at 5.00% APR
LähiTapiola
InsuranceFIAuto Finance
🚗 Auto Loan5.99%
APR from
up to 14.99%
Loan Range
€5K – €80K
Term
1 yr – 6 yrs
Representative Example
€10K over 5 yrs = €193/mo · Total: €11,597
at 5.99% APR
OP
CooperativeFIOP Consumer Credit
👤 Personal Loan6.50%
APR from
up to 17.90%
Loan Range
€2K – €70K
Term
1 yr – 10 yrs
Representative Example
€10K over 5 yrs = €196/mo · Total: €11,740
at 6.50% APR
Nordea
BankFIPersonal Loan
👤 Personal Loan7.25%
APR from
up to 19.50%
Loan Range
€1K – €50K
Term
6 mo – 10 yrs
Representative Example
€10K over 5 yrs = €199/mo · Total: €11,952
at 7.25% APR
Mandatum
InsuranceFILife Insurance Credit
👤 Personal Loan7.50%
APR from
up to 18.50%
Loan Range
€2K – €40K
Term
1 yr – 7 yrs
Representative Example
€10K over 5 yrs = €200/mo · Total: €12,023
at 7.50% APR
Aktia
BankFIPersonal Loan
👤 Personal Loan7.90%
APR from
up to 20.90%
Loan Range
€2K – €50K
Term
1 yr – 8 yrs
Representative Example
€10K over 5 yrs = €202/mo · Total: €12,137
at 7.90% APR
Oma Sp
CooperativeFIConsumer Loan
👤 Personal Loan8.50%
APR from
up to 21.50%
Loan Range
€1K – €35K
Term
6 mo – 8 yrs
Representative Example
€10K over 5 yrs = €205/mo · Total: €12,310
at 8.50% APR
Borrowing in Finland — FAQ
What is the typical mortgage reference rate in Finland?+
The 12-month EURIBOR is the most common reference for Finnish variable-rate mortgages, reviewed once a year. Your total rate is EURIBOR plus the bank’s margin, and the margin is negotiable — comparing banks can change it meaningfully.
Can foreigners get loans in Finland?+
You generally need Finnish residency, a personal identity code and demonstrable income in Finland. EU citizens who live and work in Finland can usually apply on similar terms to locals after establishing income history.
Are payday-style loans regulated in Finland?+
Yes — Finland caps consumer credit interest by law, which pushed the market toward larger, longer-term unsecured loans. Always check the APR (todellinen vuosikorko), which must include all mandatory costs.
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