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On the basic metrics alone, the score was 50.9 and the rank 6. The score is now 25.4 and rank 6 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Säästöpankkiryhmä mainitsee autolainan vakuusvaihtoehdon (vakuudellinen tai vakuudeton) mutta jättää hinnan kokonaan auki: korkoa, todellista vuosikorkoa, kuluja tai lainasummahaarukkaa ei näytetä, koska marginaali määritellään pankissa asiakaskohtaisesti. Chatbot (24/7), usein kysytyt kysymykset ja Säästöpankki-mobiili ovat esillä. Puhelinpalvelu on tunnistautumisen takana, eikä paikallisen myöntävän pankin Y-tunnusta näytetä tuotesivulla. Läpinäkyvyys jää mittariston heikoimmaksi.
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 % × 50,9 | 25.4 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Opening or setup fee | Opening fee is not stated on the car loan page. | saastopankki.fi, car loan checked 12.10.2026 | 0.0 / 22 |
| Applying without being a customer | The page states only that an unsecured consumer loan is available as a customer, and no other condition for being a customer. | saastopankki.fi, car loan checked 12.10.2026 | 0.0 / 12 |
| Maximum loan term | The loan term is not stated on the car loan page. | saastopankki.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. | saastopankki.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 % × 86,1 | 25.8 |
| Transparency | 30 % × 7,5 | 2.2 |
| Reachability | 20 % × 62,5 | 12.5 |
| AI quality score | 20 % × 51,4 | 10.3 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 69/100 | Technical measurement | 27.6 / 40 |
| Accessibility | 95/100 | Technical measurement | 28.5 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Interest rate/margin and effective annual interest rate shown as a representative example OBSERVATIONtuotesivulla Lainan marginaali määritellään pankissa aina asiakaskohtaisesti; korkoa tai todellista vuosikorkoa ei näytetä | 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 mainitaan vakuudellinen ja vakuudeton vaihtoehto, mutta vakuusrakennetta ei täsmennetä | Partly | Website + AI extraction | 7.5 / 15 |
| Instalment, down payment or residual value model stated OBSERVATIONosamaksu-, käsiraha- tai jäännösarvomallia ei kuvata | 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 OBSERVATIONSäästöpankki-brändi näkyy, mutta autolainan myöntää paikallinen Säästöpankki eikä operoivan pankin Y-tunnusta näytetä | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONasiakaspalvelusivulla puhelinpalvelu on tunnistautumisen takana omalla sivullaan | Partly | Website + AI extraction | 15.0 / 30 |
| Email shown OBSERVATIONsähköpostia ei listata ensisijaisena kanavana; käytössä palautelomake | No | Website + AI extraction | 0.0 / 15 |
| Chat support OBSERVATIONAsiakaspalvelusivu: Avaa chatbot käytettävissä 24/7 | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown OBSERVATIONchatbot 24/7, mutta henkilökohtaisen palvelun aukioloa ei korosteta | Partly | Website + AI extraction | 7.5 / 15 |
| FAQ section OBSERVATIONAsiakaspalvelusivulla Usein kysytyt kysymykset -osio | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONSäästöpankki-mobiili mainitaan asiointikanavaksi | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 58/100 | AI analysis | 19.7 / 34 |
| Findability of pricing | 42/100 | AI analysis | 13.9 / 33 |
| Content coverage | 54/100 | AI analysis | 17.8 / 33 |
Are you a 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 +74.6 points: 25.4 → 100.0, rank 6 → 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.
