Consumer loan calculator

Do you need a loan to finance your purchases? Compare different loan options and calculate an estimate of the loan costs for the loan term of your choice.

Calculate a suitable loan for you

How much do you need to borrow?
Monthly repayment
-
Loan term
Planned loan term. The maximum recommended home loan term is 20 years. You can discuss with the bank if the 20-year loan term does not suit your needs.
Interest rate
The interest rate given automatically by the calculator is the current default interest on the home loan (12-month Euribor + customer-specific mark-up). You can change the interest rate and try how changes in interest rates affect the loan.
Try out how a considerably higher rate affects the monthly repayment of your loan.

Home loan


Monthly repayment
€/mo
Payment protection insurance premium
€/mo
Loan amount: €
Scope of payment protection insurance: €
Insurance premium: €/mo
€/day
A maximum of 300,000 euros can be insured on the loan, monthly compensation is a maximum of 2,500 euros and the maximum policy term is 30 years. If you have a larger loan, your bank will help you choose a suitable solution for protection.
Total monthly repayment of protected loan:
€/mo
Failed to calculate payment protection insurance. Try again.
You can earn OP bonuses during the first year
+ €
OP bonuses are earned by all Group member bank owner-customers with transactions entitling to bonuses. At Helsinki OP Bank, you are given OP bonuses when your banking and/or insurance transactions come up to at least €5,000 per month. Transactions mean, for example, the total amount of loans, savings, purchases paid using OP-Visa as credit card. They also include insurance premiums for Pohjola’s home, family and motor vehicle policies. OP bonuses are used to pay for banking services such as loan service charges. OP bonuses are also used for Pohjola home, family and motor vehicle policy premiums and OP-Kiinteistökeskus real estate commissions. OP bonuses have been calculated for the first year on the bonus scheme rules currently in effect. The calculation has taken account of your monthly repayments for the first year.
Repayment method:Equal payment
Equal payment. The monthly repayment amount remains constant but the loan term may change when interest rates change.
Effective interest rate: %
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
Estimated total cost: €
Indicates how much it would cost to repay the loan, including charges and interest amounts, based on the information you have provided.
How much do you need to borrow?
What would be a suitable loan term?
Last repayment
We recommend you
Other options
Hire purchase SECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
€
Interest rate
%
Total cost
€
Last repayment: €
The loan is secured against the car you have bought
  • The loan is secured against the car you have bought
  • Suitable for all banks' customers
  • Preliminary financing decision at once
  • Suitable for all banks' customers
  • Preliminary financing decision at once
Loan documentation fee €YLL_DATA_INIT_COST_AMOUNT and handling fee €YLL_DATA_EXPENSES_MONTHLY/repayment.
  • Interest rate: %
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
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OP Tailored Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
€
Interest rate
% *
Total cost
€
Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
  • Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
  • Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
  • Credit decision issued immediately or within two banking days.
  • Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
  • Credit decision issued immediately or within two banking days.
The credit servicing fee €6/month covers the credit establishment fee, credit drawdown to your account and invoicing.
  • Interest rate: % *
  • *The calculator uses 6.95% + a 3-month Euribor as a default margin. A more precise margin of your loan will be indicated in the application phase.
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
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Bank Loan SECURED

The loan is not amortised quickly enough. Change the loan amount or loan term.
Monthly repayment
€
Interest rate
%
Total cost
€
You need collateral for the loan, such as an owner-occupied home.
  • You need collateral for the loan, such as an owner-occupied home.
  • Suitable for one-off purchases of over €10,000
  • We can customise a loan repayment plan for you
  • Suitable for one-off purchases of over €10,000
  • We can customise a loan repayment plan for you
Loan drawdown and any possible partial drawdowns are subject to a charge based on the bank's service charges and fees.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
Read more about Bank Loan ›
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How much do you need to borrow?
What would be a suitable monthly repayment?
We recommend you
Other options
OP Tailored Consumer Credit UNSECURED

The loan is not amortised quickly enough. Change the loan amount or monthly repayment.
Loan term
Interest rate
% *
Total cost
€
Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
  • Customer-specific interest rate starting from a 3,5 % margin + 3-month Euribor.
  • Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
  • Credit decision issued immediately or within two banking days.
  • Unsecured one-off credit for which you can apply to the amount of €2,000–30,000.
  • Credit decision issued immediately or within two banking days.
The credit servicing fee €6/month covers the credit establishment fee, credit drawdown to your account and invoicing.
  • Interest rate: %*
  • *The calculator uses 6.95% + a 3-month Euribor as a default margin. A more precise margin of your loan will be indicated in the application phase.
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
Read more about Tailored Consumer Credit ›
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Bank Loan SECURED

The loan is not amortised quickly enough. Change the loan amount or monthly repayment.
Loan term
Interest rate
%
Total cost
€
You need collateral for the loan, such as an owner-occupied home.
  • You need collateral for the loan, such as an owner-occupied home.
  • Suitable for one-off purchases of over €10,000
  • We can customise a loan repayment plan for you
  • Suitable for one-off purchases of over €10,000
  • We can customise a loan repayment plan for you
Loan drawdown and any possible partial drawdowns are subject to a charge based on the bank's service charges and fees.
  • Interest rate: %
  • Reference interest rate:
  • Effective interest rate: %
  • Number of repayments: repayments
The effective interest rate includes the full costs of the loan converted to the annual interest rate. Our loan offer based on your loan application provides detailed information on interest on your loan and other terms and conditions. The home loan costs consist of the origination fee accounting for YLL_DATA_INIT_PROVISION_PERCENTAGE % of the loan amount (minimum of YLL_DATA_INIT_COST_MIN euros) and a service fee of YLL_DATA_EXPENSES_MONTHLY euros. The costs of the secured consumer loan (bank loan) consist of an origination fee of 120 euros and a service fee of 2.50 euros.
The annual percentage rate of charge (APR) contains all costs of the credit (total interest rate and loan servicing fee of €6/month). The interest rate applicable to your loan will be specified when making a decision of your loan.
Read more about Bank Loan ›
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Period for which you apply for a loan
Loan amount
Interest rate
Loan repayment period

Estimated student loan

Repayment amount
 €/mo
Borrowing rate
 %
Total cost
 €

 €/mo

 €

 %

 €

 €

 €

12 yrs

96 instalments

A student loan generates OP bonuses that are used, for example, for insurance premiums. 

Read more about student loan >
Apply for student loan
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  • The calculation is only suggestive. The loan offer made to you describes the loan interest rate and other terms and conditions in detail.
Example calculation for Bank Loan

A bank loan is one-off credit. If the 12-month Euribor is 2.356% (December 3, 2024) and the loan’s interest rate is a 3.9% margin plus the 12-month Euribor, the annual percentage rate of charge on a bank loan of 20,000 euros with a five-year loan term will be 7.1%. A monthly servicing fee of 2.50 euros per month will be charged. An origination fee of 120 euros will be payable when the loan is drawn down. The estimated total amount payable will be 23,661.66 euros.

This calculation is based on the assumption that the entire loan has been drawn down, the loan interest rate, fees and charges are constant throughout the loan term, and the loan is repaid in equal instalments of 389,86 euros each month. The bank loan is granted by an OP cooperative bank.

Example calculation for OP Tailored Consumer Credit

Example calculation for a loan of 10 000 euros:

Loan with a personal margin of 3,5 per cent + a 3-month Euribor (2,92 %, 2.12.2024)

OP Tailored Consumer Credit is a one-off loan. Its effective interest rate for a loan of 10 000 euros with a 5-year payback period would be 7,71 % if the personal margin were 3,5 % and the loan servicing fee 6 euros per month.

The estimated total amount payable would be 11 974,57 euros. This calculation is based on the assumption that the loan is drawn down in a lump sum and the loan interest and charges and fees remain unchanged throughout the loan term. It further assumes that the loan is repaid in monthly instalments of 210 euros up to and including the final instalment.

Loan with a personal margin of 6,5 per cent + a 3-month Euribor (2,92 %, 2.12.2024)

OP Tailored Consumer Credit is a one-off loan. Its effective interest rate for a loan of 10 000 euros with a 5-year payback period would be 10,79 % if the personal margin were 6,5 % and the loan servicing fee 6 euros per month.

The estimated total amount payable would be 12 773,50 euros. This calculation is based on the assumption that the loan is drawn down in a lump sum and the loan interest and charges and fees remain unchanged throughout the loan term. It further assumes that the loan is repaid in monthly instalments of 225 euros up to and including the final instalment.

Loan with a personal margin of 10,95 per cent + a 3-month Euribor (2,92 %, 2.12.2024)

OP Tailored Consumer Credit is a one-off loan. Its effective interest rate for a loan of 10 000 euros with a 5-year payback period would be 15,48 % if the personal margin were 10,95 % and the loan servicing fee 6 euros per month.

The estimated total amount payable would be 14 079,16 euros. This calculation is based on the assumption that the loan is drawn down in a lump sum and the loan interest and charges and fees remain unchanged throughout the loan term. It further assumes that the loan is repaid in monthly instalments of 245 euros up to and including the final instalment.

The loan is granted by OP Retail Customers Plc.