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A loan applicant asks how many lenders compete for their application, whether a small loan is also available through the service and how long a repayment period can be chosen. These decide 50 points out of a hundred.
Score shows how the company does on our comparison criteria, on a 0–100 scale. Rankings cannot be bought.
Basic metrics · 83.8
Basic metrics: 83.8, new in the comparison
Basic metrics · 77.2
Basic metrics: 77.2, new in the comparison
Basic metrics · 69.8
Basic metrics: 69.8, new in the comparison
Basic metrics · 72.7
Basic metrics: 72.7, new in the comparison
Basic metrics · 67.7
+ Wide partner network (up to 25 lenders)
Basic metrics: 67.7, rank 3 · ▼ 2 places
Basic metrics · 68.8
+ Extensive partner network (over 20 lenders) in a single application
Basic metrics: 68.8, rank 2 · ▼ 4 places
Basic metrics · 72.4
+ Quick application process (2–3 minutes)
Basic metrics: 72.4, rank 1 · ▼ 6 places
Basic metrics · 62.4
+ Long operating history (in the industry since 1999)
Basic metrics: 62.4, rank 7 · ▼ 1 place
Basic metrics · 60.4
+ Wide partner network (up to 20 lenders)
Basic metrics: 60.4, rank 8 · ▼ 1 place
Basic metrics · 67.9
Basic metrics: 67.9, new in the comparison
Basic metrics · 67.7
+ Exceptionally clear and narrow interest rate range (4.5–10%) right on the front page
Basic metrics: 67.7, rank 4 · ▼ 7 places
Basic metrics · 67.0
+ Telephone customer service and opening hours clearly displayed
Basic metrics: 67.0, rank 5 · ▼ 7 places
– Lenders in the tendering: The number is not stated. The front page, FAQ and About us speak only of "numerous" banks and lenders.
Basic metrics · 73.7
Basic metrics: 73.7, new in the comparison
– Minimum loan amount: The minimum loan amount is not stated on the front page, in the FAQ, in the loan calculator or in the terms of use.
Basic metrics · 71.4
Basic metrics: 71.4, new in the comparison
– Lenders in the tendering: The number of lenders is not stated as a figure on the front page, in the FAQ or in the general terms; the pages only speak of “several banks”.
Basic metrics · 69.5
Basic metrics: 69.5, new in the comparison
– Lenders in the tender: The number of lenders is not given as a figure on the front page, the partner banks page, the terms and rates page, the FAQ or the terms of use. The partner banks page names 11 operators, of which one offers business loans.
Basic metrics · 65.8
Basic metrics: 65.8, new in the comparison
– Kilpailutettavat lainanantajat: Lainanantajien määrää ei kerrota etusivulla, kilpailutussivulla eikä Tietoa meistä -sivulla, vain 'jatkuvasti kasvava valikoima' rahoituslaitoksia.
Basic metrics · 67.3
Basic metrics: 67.3, new in the comparison
– Lenders put in competition: The number of lenders is not mentioned on the front page, the about us page, the privacy notice or the lenders page.
Basic metrics · 38.4
+ Comparison of many categories in the same service (loans, electricity, mobile subscriptions)
Basic metrics: 38.4, rank 9 · ▼ 9 places
Basic metrics · 55.0
Basic metrics: 55.0, new in the comparison
– Lenders put in competition: The number of lenders is not mentioned on the front page, the about us page, the consumer credit page or the FAQ.
Basic metrics · 44.5
Basic metrics: 44.5, new in the comparison
– Lenders in the comparison: The number of lenders is not stated on the front page or in the terms of use. The terms of use only mention ”partner lenders”.
The buying motives of these services could not be checked; the reason is shown for each one. They are not on the list as poor performers but as unscored. The result of the basic metrics is shown for comparison.
+ Wide loan range (500–70,000 €) and a loan term of up to 20 years
– Sambla.fi redirects to the Omalaina.fi service (the same Sambla Group Oy), so a separate service cannot be measured.
Basic metrics: 64.8, rank 6 (for comparison only)
Weights are fixed. All companies are measured on the same scale. Read the full methodology.
| Buying motive | What is measured | Scale | Weight |
|---|---|---|---|
| Lenders included in the comparison QUESTIONHow many lenders compete for my application? | The number of lenders stated by the service itself. ”Over 20” is read as 21 and ”up to 20” as 20. If the service's pages give different figures, the smallest is used. | 25 or more = 100 points, 10 or less = 0, directly proportional in between. | 22 p |
| Minimum loan amount QUESTIONCan I also get a small loan through the service? | The smallest loan amount that the service states on its website. | 500 € or less = 100 points, 3,000 € or more = 0, in between directly proportional. | 14 p |
| Longest payment period QUESTIONHow long a payment period can I choose? | Longest loan term in years stated by the service on its pages. A longer repayment period reduces the monthly instalment. | 20 years or more = 100 points, 10 years or less = 0, in between directly proportional. | 14 p |
| Basic metrics | Digital quality, transparency, reachability and AI quality score | Basic metrics × 0.5 | 50 p |
Pisteytimme 21 suomalaista lainanvälityspalvelua 19 mittarilla: tekninen laatu, läpinäkyvyys, tavoitettavuus ja AI-laatuarvio. Sama kaava kaikille, katso jokaisen pisteen perustelu.
Not all loan comparison services work with the same banks and financial institutions, so loan offers obtained through different services can differ significantly. By comparing several services you can find a cheaper interest rate, lower fees or a loan that better suits your own situation.
Statutory interest example (30), interest range (15), loan terms (15), business ID (Y-tunnus) (10), number of partners (15), independent assessment source (15)
Transparency is 30% of the basic metrics, i.e. 15% of the total points · these metrics make up its 100 points · the full formula and the other pillars
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer experience is brought into the assessment separately. We also collect customer feedback and customer experiences about companies through separate surveys. The survey results will be added to the overall assessment later.
Note: Four of the services on the list (Rahalaitos, Omalaina, Sambla and Rahoitu.fi) belong to the same group (Sambla Group Oy), and Zmarta and Freedom Rahoitus are the same company. We show the owner for each service; when comparing brands, it is worth knowing who is behind them.
We do not give loan or financial advice. The comparison describes the measurable features of the services' websites, not which loan offers are better; the final interest rate is always personal. Some of the links may be ad links; they do not affect the points.
Every company is measured with the same public formula: half of the points come from buyer's questions and half from basic metrics, which have four pillars: technical quality, transparency, reachability and AI quality score. Ranking cannot be bought, and you can see the origin of each point on the company's profile. Read the full methodology →
A good competitive tendering service makes only one credit check, even though loan offers come from several banks. Merely requesting offers does not affect your credit information and does not oblige you to take a loan.
The services have different partner banks, and many well-known brands belong to the same group. That is why you should compare the loan across several services and compare the actual annual interest rate.
No, comparison services are free of charge to the loan applicant. They receive a commission from the bank if the loan is drawn through the service, and this commission is included in the price of the loan.
We measure each service's public website using the same formula: whether costs and partners are disclosed openly, whether the service works well technically and whether customer service can be reached. A ranking cannot be bought, and you can see the justification for every point on the service's profile.
The free pre-analysis shows every item where your company loses points and which rank fixing it is enough for. The paid analysis shows what the items are and how to fix them.
Can't find your company on the list even though it should be there? Get in touch and we will include it in the next measurement round.
See the free pre-analysis A ranking cannot be bought. The analysis shows how it is earned.