OP Special Consumer Credit, OP Flexible Consumer Credit and OP Tailored Consumer Credit

How to make changes to your loan

​The repayment plans of OP’s unsecured loans have room for flexibility

You can make changes to the instalment and due date, for example. You can also repay the loan faster than planned. If you like, you can choose one grace month per year during which you don’t have to repay the principal and pay interest on the loan. Choose an unsecured loan below to see how its repayment plan can be changed. 

Changes to Special Consumer Credit:

 
Where do I find the loan information?
You can see the current situation of your loan on OP-mobile and op.fi (in Finnish or Swedish). You can check the following information:
 
  • current loan amount 
  • size of your next instalment
  • billing method 
  • due date 
  • interest rate
You can check your loan details whenever you want. This also helps you keep control of your finances in all situations.
How can I make changes to the repayment plan of Special Consumer Credit?

You can make changes to the instalment and due date of Special Consumer Credit. You can also choose one grace month per year. During the grace month, you do not repay the loan principal or pay interest. The grace month is free of charge, and it is the same month every year. 

Each loan repayment bill is created three weeks before its agreed due date. You can modify an upcoming instalment if its bill hasn’t been created yet. Apply for a change to your repayment plan in good time so that it can take effect from the instalment you want.

Change the repayment plan 

Please note that the self-service channels can only be used to make changes to loans that have been managed well.

How do I make an extra repayment on op.fi?

You can make an extra loan repayment yourself on op.fi. Making an extra repayment is like paying any other bill. To find the payment details, go to your previous loan repayment bill. The reference number for your loan repayment bills is always the same. You can also find the reference number and the repayment account number on op.fi (in Finnish or Swedish) in the “Omat Lainat/Mina lån” section, on the “Maksusuunnitelma/Betalningsplan” page for the loan in question. 

After adding the amount and due date, confirm the payment as usual. 

Please note that extra repayments will not reduce the size of your monthly instalment but your total loan amount. They will shorten your total loan term. 

Make an extra repayment

How do I make an extra repayment on OP-mobile?

You can make an extra repayment on OP-mobile. On OP-mobile, go to Loans to see your loan details. Select the loan for which you wish to make an extra repayment. Select “Make a loan payment”. You can choose the amount to repay and the due date.

Please note that extra repayments will not reduce the size of your monthly instalment but your total loan amount. They will shorten your total loan term.

 

How can I pay off all my Special Consumer Credit?
If you want to pay off your total loan amount in one go, please send us a message on OP-mobile or op.fi. Include the following in your message:
 
  • the loan number
  • the number of the current account to be used for the payment
  • the date you wish to pay off your loan 
 
Please note that a service fee in accordance with the bank’s list of charges and fees will be charged for paying off the credit if the bank handles the payment.
 
 
Alternatively, you can check the current balance of your loan and request instructions for the final payment by calling customer service for personal customers and then pay off the loan yourself. Please note that the closing balance changes daily.
 
 
Paying off the loan is like paying any other bill. To find the payment details, go to your previous loan repayment bill. The reference number for your loan repayment bills is always the same. You can also find the reference number and the repayment account number on op.fi (in Finnish or Swedish) in the “Omat Lainat/Mina lån” section, on the “Maksusuunnitelma/Betalningsplan” page for the loan in question.
 
After adding the amount and due date, confirm the payment as usual. 

 

 

Changes to Flexible Consumer Credit:

 

Where do I find the loan information?
You can see the current situation of your loan on OP-mobile and op.fi (in Finnish or Swedish). You can check the following information:
 
  • current loan amount 
  • size of your next instalment
  • billing method 
  • due date 
  • interest rate
You can check your loan details whenever you want. This also helps you keep control of your finances in all situations.
How can I make changes to the repayment plan of Flexible Consumer Credit?

You can make changes to the instalment and due date of Flexible Consumer Credit. You can also choose one grace month per year. During the grace month, you do not repay the loan principal or pay interest. The grace month is free of charge, and it is the same month every year. 

Each loan repayment bill is created three weeks before its agreed due date. You can modify an upcoming repayment if its bill hasn’t been created yet. Apply for a change to your repayment plan in good time so that it can take effect from the instalment you want.

Change the repayment plan 

Please note that the self-service channels can only be used to make changes to loans that have been managed well.

How can I draw down Flexible Consumer Credit again?

Flexible Consumer Credit is a loan that you can draw down into your account as required on OP-mobile and op.fi. You repay the used credit in the same way as the credit facility of your credit card. The repaid credit will then become available for re-use. You can draw down Flexible Consumer Credit into your account again within the agreed credit limit. It means that you don’t need to make a new loan application. The full credit limit is available to you when you have paid off the Flexible Consumer Credit used.

Draw down Flexible Consumer Credit

How do I make an extra repayment on op.fi?

You can make an extra loan repayment yourself on op.fi. Making an extra repayment is like paying any other bill. To find the payment details, go to your previous loan repayment bill. The reference number for your loan repayment bills is always the same. You can also find the reference number and the repayment account number on op.fi (in Finnish or Swedish) in the “Omat Lainat/Mina lån” section, on the “Maksusuunnitelma/Betalningsplan” page for the loan in question. 

After adding the amount and due date, confirm the payment as usual. 

Please note that extra repayments will not reduce the size of your monthly instalment but your total loan amount. They will shorten your total loan term. 

Make an extra repayment

How do I make an extra repayment on OP-mobile?

You can make an extra repayment on OP-mobile. On OP-mobile, go to Loans to see your loan details. Select the loan for which you wish to make an extra repayment. Select “Make a loan payment”. You can choose the amount to repay and the due date.

Please note that extra repayments will not reduce the size of your monthly instalment but your total loan amount. They will shorten your total loan term.

 

How do I terminate Flexible Consumer Credit?
Paying off your Flexible Consumer Credit does not mean the end of the loan agreement. If you no longer want to have access to Flexible Consumer Credit, you must terminate the agreement. If you have drawn down Flexible Consumer Credit at the time of agreement termination, you can repay the credit in accordance with the repayment plan or pay off the entire sum when terminating the agreement.
 
If you want to terminate your Flexible Consumer Credit agreement, send us a message on OP-mobile or the op.fi service. Include the following in your message:
 
  • the reason for terminating your Flexible Consumer Credit
  • your credit number, which you can find on the bill or under your loan details
  • the number of your current account if you wish to pay off all the remaining credit. Please note that a service fee in accordance with the bank’s list of charges and fees will be charged for paying off the credit.
 

 

Changes to OP Tailored Consumer Credit:

 

Where do I find the loan information?
You can see the current situation of your loan on OP-mobile and op.fi (in Finnish or Swedish). You can check the following information:
 
  • current loan amount 
  • size of your next instalment
  • billing method 
  • due date 
  • interest rate
You can check your loan details whenever you want. This also helps you keep control of your finances in all situations.
Ordering an e-invoice

You can order an e-invoice for OP Tailored Consumer Credit in the op.fi service or on OP-mobile. Enter the following information in your order: 

  • Payee: OP Retail Customers plc
  • E-invoice to be ordered: OP Retail Customers plc OP Tailored Consumer Credit invoice
  • Reference number: Your personal reference number that you can find in your loan repayment plan in the op.fi service 

Order an e-invoice on OP-mobile, under Payments and e-invoices 

Order an e-invoice on op.fi

How can I make changes to the repayment plan of OP Tailored Consumer Credit?

You can request changes to the instalment and due date of OP Tailored Consumer Credit. You can also choose one grace month per year. During the grace month, you do not repay the loan principal or pay interest. The grace month is free of charge, and it is the same month every year.

To make changes to the repayment plan, please call OP Tailored Consumer Credit Customer Service, tel. 010 252 7450, Mon–Fri 8.00–16.30.

The cost of calls: The charge is the same as for normal local calls or domestic mobile call charge as specified in your telephone service provider's price list.

 

How do I make an extra repayment on op.fi?

You can make an extra loan repayment yourself on op.fi. Making an extra repayment is like paying any other bill. To find the payment details – the account number and reference number for OP Tailored Consumer Credit instalments – go to your previous loan repayment bill. 

After adding the amount and due date, confirm the payment as usual. 

Please note that extra repayments will not reduce the size of your monthly instalment but your total loan amount. They will shorten your total loan term. 

Make an extra repayment

How do I make an extra repayment on OP-mobile?

You can make an extra repayment on OP-mobile. On OP-mobile, go to Loans to see your loan details. Select the loan for which you wish to make an extra repayment. Select “Make a loan payment”. You can choose the amount to repay and the due date.

Please note that extra repayments will not reduce the size of your monthly instalment but your total loan amount. They will shorten your total loan term.

 

How can I pay off all my OP Tailored Consumer Credit?

You can pay off your entire OP Tailored Consumer Credit yourself on op.fi or OP-mobile. You can find the current closing balance under Loans. Please note that because the closing balance changes daily, you must make the payment the same day. 

You can pay off the loan on op.fi as you would any other bill. To find the payment details – the account number and reference number for OP Tailored Consumer Credit instalments – go to your previous loan repayment bill. After adding the amount and due date, confirm the payment as usual.

If you use OP-mobile for paying off the loan, choose the loan and make the payment by selecting “Make a loan payment”. Add the closing balance and the payment date under the sum to be paid. 

You can also check the current closing balance of your OP Tailored Consumer Credit and request instructions for the final payment from OP Tailored Consumer Credit Customer Service.

Call Customer Service at 010 252 7450, Mon–Fri 8.00–16.30. The cost of calls: The charge is the same as for normal local calls or domestic mobile call charge as specified in your telephone service provider's price list.