Compare loans for free

Through Rahalaitos, you can easily and quickly compare credit companies and banks. By filling out just one application, you have the opportunity to receive multiple offers for comparison. Additionally, applying for a loan does not obligate you to take one, and Rahalaitos’ comparison service is entirely free for you.

A co-applicant, also known as a joint applicant, refers to a person who applies for a loan together with the primary applicant. Applying for a loan with a co-applicant often allows for more favorable loan offers and better loan terms.

Applying for a loan is completely free and does not commit you to take a loan.

You log into the My Rahalaitos service after completing the application. The service is available throughout the application’s validity period. If you encounter login issues, we recommend contacting our customer service by phone at 09 2311 3670.

Financial institutions always process applications on a case-by-case basis. A flawless payment history and stable income or pension can have a positive impact on the loan offer. The easiest way to find the best loan offer is to fill out a free loan application on our website.

You can make extra payments at any time, which will shorten the repayment period. You can also pay off the entire loan in one lump sum. Interest is only paid for the time the loan has been in use. It’s advisable to arrange early repayment with the finance company from which you took out the loan.

The basic requirements for obtaining a loan are regular pension or salary income and a clean credit history. The loan applicant must be between 20 and 79 years of age. Please note that you can apply for a loan only once a month.

Financial institutions make their own loan decisions regarding loan amounts and interest rates. They use tools such as income and expenditure estimates, ensuring that the offers are reliable and take into account the customer’s ability to pay. With the help of the example calculator, you can determine an approximate interest rate and monthly installment.

The best and fastest way to correct an error is to call our customer service at +358 9 2311 3670. This way, we can ensure that the correct information reaches the loan providers as well. You can also contact our customer service through Oma Rahalaitos service, or email at asiakaspalvelu@rahalaitos.fi.

You can compare loans one month after your previous application. The loan application and most loan offers are valid for 30 days, which is why we cannot process a new application earlier. If you want to make changes to your loan application, please contact our customer service directly at 09 2311 3670. You can also reach our customer service by sending us an email at asiakaspalvelu@rahalaitos.fi.

Applying for a consolidation loan is a good idea if you have multiple small loans. The application includes listing all your current loans and whether you want to pay off a particular loan with a new one. With a consolidation loan, you can pay off and consolidate high-interest installment payments, consumer loans, and small loans, up to 60,000€. When repaying a single loan, you only need to remember one due date and monthly installment. Additionally, you’ll save on interest and loan management costs when handling just one loan.