Anyone who is registered in Finland can receive a consumer loan. In most cases you have to have a ongoing income. However, it is also possible to obtain a consumer loan by taking rehabilitation allowance (Kela). All these factors depend on the requirements of individual banks. It is worth making inquiries to check if you are entitled to a consumer loan.

The first document you need to provide is your most recent payslip. The second document required by banks is the initial tax return (Veroilmoitus). The bank requires that the document provided is complete, i.e. it contains all pages, not just the first.

Yes, two people who together form a household (i.e. marriage, cohabitation, registered partnership) can apply for a consumer loan in Finland.

Banks have different requirements regarding seniority in Finland, while the longer you work, the better the bank will assess your credit standing.

Consumer loan repayment can be repaid over a maximum of 15 years. 

Of course, every bank with which we cooperate provides the possibility of early or partial repayment of the loan. The earlier you repay the loan, the less you will pay for interest.

The amount ranges from 1000 EUR to 50 000 EUR. It depends on the creditworthiness of the applicant, which is affected, among others, by the duration of employment, amount of remuneration and length of stay in Finland. 

Debt refinancing is the repayment of previous liabilities with a new, more favourable loan. In practice, this means taking one loan that covers current loans and credit cards. This is a chance to save up even thousands of EURs. In addition, refinancing makes it easier to control expenses and increases the transparency of your home budget.

Yes, the bank has the right to know what we want to spend the loan on, but usually it does not ask borrowers about the purpose of the consumer loan.

The data you fill out and the attached documents are particularly protected. The financial advisor verifies the application and on your behalf applies for banks in Finland for loan offers. Then, the financial advisor will submit the offers available to you from banks by email. Then it's up to you whether you want to take advantage of the loan offer. Until you submit your electronic signature on the bank's website, you are not obliged to do anything.

The application is valid for up to 30 days from the moment it is submitted to the bank by our financial advisor. The length of validity depends on the bank's procedures.

No, we do not charge any commission on the loan amount or any other fees for assistance in arranging the loan.

Your inquiry for a consumer loan in Finland will be sent to banks in Finland. Thanks to this you will be able to choose the most advantageous offer.

Yes, but it all depends on your creditworthiness and the amount of consumer credit. Many people decide to refinance an existing credit.

Consumer loan offers are developed for each borrower individually. The financial agent, Oy Salus Group Ab cooperates with banks in Finland, providing the applicant with the most favourable loan offer.

Yes, most banks accept applications from self-employed people. The documents that need to be prepared are as follows: Elikentoiminta for the previous year, Veroilmoitus and Tuloslaskelma.

Nominal interest is a percentage, given on an annual basis, which shows the interest rate at which interest will be charged on the capital provided.

The effective (real) interest rate determines the total cost of the loan as a percentage of the total amount of this liability on an annual basis. According to this interest rate, we compare the offers objectively.

After signing the e-signature by the borrower, the banks process the application in the decision-making department. Finnish law gives the bank the option to withdraw an offer at this stage if they encounter any inconsistencies during consideration.

Each loan must be preceded by a loan application. Upon receipt of initial offers and payment of the loan, any remaining unused loan offers shall be cancelled. However, you can still submit a new loan application.

After submitting the e-signature and providing the account number for the payment, the bank usually takes its decisions within 3 business days. The payment of the loan by a bank is equivalent to a positive decision. Usually, the Bank precedes the payment by sending information via email to the borrower.

Broadly understood creditworthiness, which is impacted by duration of work in Finland, length of stay, previous activity on the credit market in Finland or the value of assets held in Finland, etc.

If inkasso is registered in the systems determining the creditworthiness for banks, then it is not possible to obtain a loan from banks operating in Finland.

There is no limit of checks on creditworthiness systems for one person, as it has nothing to do with bank offers. Therefore, checks do not adversely affect your creditworthiness.

To receive a cash loan in Finland:
-documented stable annual income of at least 16.000 EUR,
-a minimum age of 23,
-no records in the Register of Insolvent Debtors (Maksuhäiriömerkinnän),
-Finnish citizenship or at least 3 years of documented stay in Finland.

Customer service is in english. A english-speaking consultant will help you choose a loan offer depending on the amount you want to borrow and your financial possibilities.

No collateral is required for consumer loans in Finland.

Consumer loan is granted for any purpose. You decide what you spend it on.