Loans

• For customers of all banks
• Apply and sign quickly online – immediately available
• Interest margin from 5%

Target Loan is suitable for you if you cannot provide collateral for the loan or you do not want to pledge property, such as your own home, or if you are dreaming of a holiday, renovation or something else that is important to you. Depending on your repayment ability, you can apply for a loan up to €10,000 (for two debtors, €20,000).

Interest
The interest rate of the loan consists of the reference rate added with 5–14 percentage points. The reference rate for Target Loan is the 12-month Euribor.

Credit interest information

Loan term and repayment

The maximum loan term is 5 years, and the repayment method is equal payment.

Collateral
You do not need collateral for Target Loan

Terms and prices

• General terms and conditions of lending (pdf)
• Service price list (pdf)
• Standard European consumer credit information (pdf, in Finnish)
• Bulletin on Distance Selling (pdf)

Apply for Target Loan

• Loan with collateral
• Repayment plan according to your wishes
• Minimum loan amount €5,000.

One-Time Loan is a traditional instrument-of-debt loan that you can use for larger financing needs. One-Time Loan is suitable for you if you already have property you can pledge, such as your own home, and you wish to finance a larger project.

Interest
The interest rate of the loan consists of the reference rate and a margin specific to the loan. For One-Time Loans, the reference rate is either Danske Prime or the 12-month Euribor. You can also agree on a One-Time Loan with fixed interest rate.

Example calculation

Loan term and repayment
We will adapt the term of the loan and the repayment to your needs. You can pay back the One-Time Loan either with equal instalments, equal payments or fixed equal payments.

Loan amount
Starting from €5,000, according to your repayment capability and the collateral provided.

Prices and terms
During the loan negotiations, we will review the prices and terms of the loan. Changes to the loan will be charged according to the service pricelist valid at that time. You need collateral for the One-Time Loan. Suitable collateral is, for example, a dwelling or a deposit on an account.

• Standard European consumer credit information (pdf)
• Service price list (pdf)
• General terms and conditions of lending (pdf)

• The limit is €2,000–€10,000*
• Possibility for two annually recurring instalment-free months
• You will repay the credit once a month at the rate you want, and it is available to you again

After you have a Consumer Loan agreement with us, it will be continuously available to you. You can transfer money to your account, pay invoices and distribute larger expenses across several months. With Consumer Loan, you can always maintain a payment reserve for surprising and recurring great expenses, such as car repair. If necessary, you can apply for an increase to your Consumer Loan through eBanking.

Interest
The interest rate of Consumer Loan is linked to the 3-month Euribor 365 reference rate. A margin of 9 percentage points will be added to it. 

Annual Percentage Rate

Repayment 
You can make repayments with an amount that you choose. At your option, you can also repay the loan faster or pay it off at any time. You can do this through eBanking with a regular transfer between your own accounts.

Terms and prices

• General terms and conditions for the Consumer Loan (pdf)
• Notice on Distance Selling: Consumer Loan (pdf)
• Bulletin on Payment Service (pdf)
• Standard European Consumer Credit Information, Consumer Loan (pdf, in Finnish)