On the basic metrics alone, the score was 73.0 and the rank 4. The score is now 60.0 and rank 4 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
POP Pankki -ryhmä kertoo autolainan koron edustavana esimerkkinä: nimelliskorko 7,119 % ja todellinen vuosikorko 9,020 % 10 000 euron lainalle 84 kuukaudeksi, avausmaksu 300 euroa ja tilinhoito 2,50 euroa/kk. Asiakaspalvelu on hyvin tavoitettavissa (chat, puhelin, usein kysytyt kysymykset, POP-mobiili). Esimerkki koskee vakuudetonta kulutusluottoa, eikä lainasummahaarukkaa, vakuusvaihtoehtoja tai paikallisen myöntävän pankin Y-tunnusta kerrota tuotesivulla.
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 × 25.0 % | 5.5 |
| Applying without being a customer | 12 p × 100.0 % | 12.0 |
| Maximum loan term | 10 p × 0.0 % | 0.0 |
| Example calculation with the actual annual percentage rate | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 73,0 | 36.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Opening or setup fee NOTEFee in the example calculation. POP Pankit set their prices independently, so prices may vary between banks. In addition, a management fee of 2.50 €/month. | Opening fee 300 euros in the example calculation | poppankki.fi checked 12.10.2026 | 5.5 / 22 |
| Applying without being a customer | You can apply for a loan even if you are not a customer | poppankki.fi checked 12.10.2026 | 12.0 / 12 |
| Maximum loan term | The loan term is not stated on the car loan page, only in the 84-month example calculation. | poppankki.fi, car loan checked 12.10.2026 | 0.0 / 10 |
| Example calculation with the actual annual percentage rate | Effective annual interest rate 9.020% in the example | poppankki.fi checked 12.10.2026 | 6.0 / 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 % × 70,5 | 21.1 |
| Transparency | 30 % × 65,0 | 19.5 |
| Reachability | 20 % × 92,5 | 18.5 |
| AI quality score | 20 % × 69,4 | 13.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 38/100 | Technical measurement | 15.2 / 40 |
| Accessibility | 96/100 | Technical measurement | 28.8 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 77/100 | Technical measurement | 11.6 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Interest rate/margin and effective annual interest rate shown as a representative example OBSERVATIONTuotesivun edustava esimerkki (20.5.2026): euribor 6 kk 2,619 % + 4,50 %, nimelliskorko 7,119 %, laina-aika 84 kk, todellinen vuosikorko 9,020 % 10 000 euron vakuudettomalle kulutusluotolle | Yes | Website + AI extraction | 25.0 / 25 |
| Setup/opening fee and account maintenance fee itemised OBSERVATIONEsimerkissä: kertaluonteinen avausmaksu 300,00 euroa ja tilinhoitomaksu 2,50 euroa/kk automaattisella veloituksella | Yes | Website + AI extraction | 15.0 / 15 |
| Loan amount and payment period range displayed OBSERVATIONesimerkki koskee 10 000 euron / 84 kuukauden lainaa, mutta yleistä lainasumma- ja maksuaikahaarukkaa ei kerrota | Partly | Website + AI extraction | 7.5 / 15 |
| Collateral model stated (car as collateral, other collateral or unsecured) OBSERVATIONesimerkki on vakuudettomasta kulutusluotosta; vakuusvaihtoehdoista sovitaan paikallisessa pankissa | Partly | Website + AI extraction | 7.5 / 15 |
| Instalment, down payment or residual value model stated OBSERVATIONosamaksu-, käsiraha- tai jäännösarvomallia ei kuvata tuotesivulla | No | Website + AI extraction | 0.0 / 10 |
| Early repayment terms stated OBSERVATIONennenaikaisen takaisinmaksun ehtoja ei korosteta tuotesivulla | Partly | Website + AI extraction | 5.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONPOP Pankki -brändi näkyy, mutta autolainan myöntää paikallinen POP Pankki eikä operoivan pankin Y-tunnusta näytetä tuotesivulla | Partly | Website + AI extraction | 5.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONYhteystiedot-sivu: chat-palvelu ja puhelin 010 248 4701 (ma-pe 9-16), sulkupalvelu 020 333 (24/7) | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONYhteystiedot-sivu: huijaushavainnot@poppankki.fi ja yhteydenottolomake; yleistä sähköpostia ei korosteta | Partly | Website + AI extraction | 7.5 / 15 |
| Chat support OBSERVATIONYhteystiedot-sivu: Asiakaspalveluchatissamme saat vastauksen heti palveluneuvojan kanssa ma-pe 9-18 | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown OBSERVATIONYhteystiedot-sivu: palvelut arkisin 9-18, sulkupalvelu 24/7 | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section OBSERVATIONYhteystiedot-sivulla usein kysytyt kysymykset kategorioittain | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONPOP-mobiili-sovellus kerrotaan asiointikanavaksi | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 72/100 | AI analysis | 24.5 / 34 |
| Findability of pricing | 70/100 | AI analysis | 23.1 / 33 |
| Content coverage | 66/100 | AI analysis | 21.8 / 33 |
Are you a POP Pankki 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 +23.5 points: 60.0 → 83.5, rank 4 → 2.
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.
