OP Lasku

An online store payment method for customers of any Finnish bank.

A 45-day interest-free payment period for your purchases

Thanks to the long payment term, you can decide before you pay whether to keep the product you ordered.

You can also choose to pay in instalments

If you wish, you can conveniently opt for monthly instalments. This option also allows you to repay the bill at your own pace.

Easily keep up to date on your situation

You will receive invoices conveniently by email and reminders by SMS. You can also find your loan details and invoices in the online service.

Easier payment with OP Lasku

OP Lasku is a payment method for special everyday purchases online. It is intended for customers of any Finnish bank.

How to enable OP Lasku at the online store's checkout

You can use OP Lasku if you are at least 20 years old and have a Finnish bank’s user identifiers.

I have made purchases with OP Lasku – Where can I see my credit details?

If you've used OP Lasku for purchases, you can view your credit details in OP's online financing service (in Finnish). You can also view your invoices in the service unless you've ordered an e-invoice through your own bank's online service.

Go to OP's online financing service

Where can I pay with OP Lasku?

OP Lasku can be used in online stores whose online payments are handled by Paytrail or Visma Payments, and which have included OP Lasku as one of their payment methods. OP Lasku is currently available in nearly 20 000 online stores. The number of online stores using OP Lasku as a payment method continues to increase.

OP Lasku can be used for purchases of no more than 5 000 euros.

Read more about OP Lasku

OP Lasku is a responsible payment method

Credit decisions are based on an overall appraisal of the customer's repayment capacity. To carry out such an appraisal, we request that you indicate your income and debt-servicing costs when starting to use OP Lasku. We will also check your credit history in the credit information register. This will help you manage your day-to-day finances and keep control of them. You will get a long 45-day interest-free payment period for your purchases. You can pay for them from your next salary or after deciding whether to keep the product, for example. Our charges do not include unexpected hidden costs.

How much does it cost to use OP Lasku?

When paying in instalments, the total interest rate is 18.50% (1/2025)*.

*OP Lasku is a revolving credit, the effective interest rate of which for a credit of 1,000 euros is 25.3% when the credit interest rate is the reference rate under section 12 of the Interest Act + 15.00% (18.50% in January 2025), and the account service charge is 2.95 euros per month. The estimated total amount payable would be 1,375,57 euros. This calculation assumes that the entire credit is used, the credit interest rate, fees and charges remain constant throughout the credit term, and the credit is repaid in minimum monthly instalments of 27.78 euros, meaning that the credit term is 36 months. The credit is granted by OP Corporate Bank Plc, Gebhardinaukio 1, FI-00510 Helsinki.

Purchase Protection Insurance in accordance with the Consumer Protection Act

You have the right to reclaim purchases made using OP Lasku if you have not received the service or product you paid for due to a breach of contract by the seller company.

Examples of breaches of contract:

You have not received the product or service you paid for.
A transaction has been charged twice.
The product or service does not comply with the contract.