Flexible bank loan

How to make changes to your loan

You can always find your loan details on op.fi and OP-mobile

On op.fi and OP-mobile, you can check the current situation of your bank loan anytime. You can see, for example:
 
  • remaining loan amount
  • size of your next instalment
  • billing method
  • due date
  • interest rate

Apply for a repayment holiday or make changes to your repayment plan

During a repayment holiday, you will pay only interest

You can apply for a repayment holiday for your bank loan. During a repayment holiday, you will not repay the loan capital but only the interest.

Depending on your repayment method, a repayment holiday will either extend your loan term or increase the monthly repayment. You can apply for a repayment holiday of 6 or 12 months.

You can change the repayment amount or the due date

Do you want to make changes to your future loan repayments? You can change your loan repayment amount or the due date on op.fi or OP-mobile.

Any changes are subject to a charge based on the bank's list of service charges and fees. The charge will be debited at the time of repayment. The processing of your application for change will take 1–3 working days.

If you have taken out the loan together with another person, both borrowers must confirm the application for change. You can do it on op.fi with your OP eServices user identifiers.

Apply for changes on op.fi 

You can file an application for change on OP-mobile, too. Log into OP-mobile and find your loan details under Loans. Select the loan to which you want to apply for changes. Tap Information and apply for a change by selecting Change repayment plan.

Extra loan repayment or paying off your loan in advance

Make an extra repayment on your bank loan

You can also make extra repayments to pay back your loan faster. Extra repayments do not change your loan repayment plan but they reduce the remaining loan capital. This means that you also need to make the monthly loan repayment.
You can make an extra loan repayment yourself on OP-mobile or op.fi.
 

Extra loan repayment on op.fi

Making an extra repayment on op.fi is like paying any other bill. To find the payment details, go to your previous loan repayment bill. Under Saajan tili tai IBAN (Payee’s account or IBAN), enter your loan’s number.
Fill in the amount and due date. Then confirm the payment as usual. To find the loan number, go to Lainat (Loans) and the loan in question.
 

Extra loan repayment on OP-mobile
On OP-mobile, go to Loans to see your loan details. Select the loan to which you wish to make an extra repayment. Tap Information, then Make a loan payment.

Want to pay off your loan in advance?

If you want to pay off your total loan amount in one go, please send us a message on OP-mobile or op.fi.
In your message, please indicate:
  • the loan number
  • the number of the account to be used for the payment
  • the date you wish to pay off your loan
 

Do you want to change the debit account for your loan?

If you want to change the automatic debit account for your loan, send us a message on op.fi or OP-mobile. If the loan has several borrowers, every borrower must send an online message with similar content on the change of the debit account. In your message, please indicate:
  • that you want to change the debit account for your loan
  • the loan that the change concerns
  • the new debit account for your loan