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On the basic metrics alone, the score was 57.3 and the rank 5. The score is now 28.6 and rank 5 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Oma Säästöpankki Oyj kertoo autolainan vakuusmallin selkeästi (vakuutena esimerkiksi asunto tai talletukset, auto heti ostajan nimissä) ja operoivan yhtiön Y-tunnuksineen. Asiakaspalvelu on hyvin tavoitettavissa puhelimella, chatilla ja usein kysytyillä kysymyksillä laajoin aukioloajoin. Hinnoittelu jää kuitenkin täysin auki: korkoa, todellista vuosikorkoa, kuluja tai lainasummahaarukkaa ei näytetä tuotesivulla, vaan ne selviävät vasta pankissa.
Buying motives checked on 12.10.2026 and basic metrics measured on 20.8.2026 from public sources. Same formula for everyone, read the full methodology.
| Opening or setup fee | 22 p × 0.0 % | 0.0 |
| Applying without being a customer | 12 p × 0.0 % | 0.0 |
| Maximum loan term | 10 p × 0.0 % | 0.0 |
| Example calculation with the actual annual percentage rate | 6 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 57,3 | 28.6 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Opening or setup fee | Opening fee is not stated on the car loan page. | omasp.fi, car loan checked 12.10.2026 | 0.0 / 22 |
| Applying without being a customer | The page does not say whether a loan can be applied for without being a customer. | omasp.fi, car loan checked 12.10.2026 | 0.0 / 12 |
| Maximum loan term | The loan term is not stated on the car loan page, only that the repayment period is planned according to need. | omasp.fi, car loan checked 12.10.2026 | 0.0 / 10 |
| Example calculation with the actual annual percentage rate | The car loan page has no example calculation or actual annual interest rate. | omasp.fi, car loan checked 12.10.2026 | 0.0 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 72,0 | 21.6 |
| Transparency | 30 % × 25,0 | 7.5 |
| Reachability | 20 % × 85,0 | 17.0 |
| AI quality score | 20 % × 56,1 | 11.2 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 43/100 | Technical measurement | 17.2 / 40 |
| Accessibility | 96/100 | Technical measurement | 28.8 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 73/100 | Technical measurement | 10.9 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Interest rate/margin and effective annual interest rate shown as a representative example OBSERVATIONtuotesivulla ei näytetä korkoa, marginaalia eikä todellista vuosikorkoa; lainojen korko määräytyy yksilöllisesti | No | Website + AI extraction | 0.0 / 25 |
| Setup/opening fee and account maintenance fee itemised OBSERVATIONopening or account management fee is not stated on the product page | No | Website + AI extraction | 0.0 / 15 |
| Loan amount and payment period range displayed OBSERVATIONloan amount or repayment period range is not stated on the product page | No | Website + AI extraction | 0.0 / 15 |
| Collateral model stated (car as collateral, other collateral or unsecured) OBSERVATIONTuotesivulla: Autolainan vakuutena voi hyödyntää esimerkiksi asuntoa tai talletuksia ja auto on heti sinun nimissäsi, kun kaupat on tehty | Yes | Website + AI extraction | 15.0 / 15 |
| Instalment, down payment or residual value model stated OBSERVATIONosamaksu-, käsiraha- tai jäännösarvomallia ei kuvata; kyseessä on pankin autolaina | No | Website + AI extraction | 0.0 / 10 |
| Early repayment terms stated OBSERVATIONterms for early repayment are not described on the product page | No | Website + AI extraction | 0.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONOma Säästöpankki Oyj, Y-tunnus 2231936-2, näkyy sivustolla | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONOta yhteyttä -sivu: puhelin 020 764 0600 | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONsuoraa sähköpostia ei näytetä ensisijaisena kanavana; viestit turvatun palvelun kautta | No | Website + AI extraction | 0.0 / 15 |
| Chat support OBSERVATIONOta yhteyttä -sivu: chat käytettävissä (Chat: Suljettu tarkoittaa aukioloaikojen ulkopuolista tilaa) | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown OBSERVATIONOta yhteyttä -sivu: Asiakaspalvelumme palvelee ma-pe klo 8-20 ja la klo 10-14 | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section OBSERVATIONOta yhteyttä -sivulla kattava Usein kysytyt kysymykset -osio | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONOmaMobiili-sovellus on ladattavissa asiointiin | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 62/100 | AI analysis | 21.1 / 34 |
| Findability of pricing | 48/100 | AI analysis | 15.8 / 33 |
| Content coverage | 58/100 | AI analysis | 19.1 / 33 |
Are you an Oma Säästöpankki customer? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +71.4 points: 28.6 → 100.0, rank 5 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
