The selections are made by others. Suomen Paras has not evaluated these selections, and they do not affect the Suomen Paras Score. All recognitions
On the basic metrics alone, the score was 73.6 and the rank 3. The score is now 86.8 and rank 1 (▲ 2 places). The difference comes from buying motives: they measure what the buyer asks before deciding.
S-Pankki Oyj kertoo autolainan hinnan avoimesti: korko muodostuu 3 kk euriborista ja asiakaskohtaisesta marginaalista 4,50-14,99 %, suurin todellinen vuosikorko on 25,005 % ja kulut (avausmaksu 0 euroa, tilinhoito 12,50 euroa/kk) eritellään. Tuote on vakuudeton, ja se sanotaan suoraan. Chat (Aulis), usein kysytyt kysymykset ja S-mobiili ovat esillä. Kyseessä on vakuudeton kulutusluotto ilman osamaksu- tai jäännösarvomallia, ja korko näytetään vain enimmäistasona.
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 × 100.0 % | 22.0 |
| Applying without being a customer | 12 p × 100.0 % | 12.0 |
| Maximum loan term | 10 p × 100.0 % | 10.0 |
| Example calculation with the actual annual percentage rate | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 73,6 | 36.8 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Opening or setup fee NOTEIn addition, an account management fee of 12.50 €/month. | Opening fee 0 euros | s-pankki.fi checked 12.10.2026 | 22.0 / 22 |
| Applying without being a customer | A loan can also be applied for with other banks' credentials | s-pankki.fi checked 12.10.2026 | 12.0 / 12 |
| Maximum loan term | Payback period up to 12 years | s-pankki.fi checked 12.10.2026 | 10.0 / 10 |
| Example calculation with the actual annual percentage rate NOTEThe figure is the highest possible, not a typical rate. | Highest possible effective annual interest rate 25.232% | s-pankki.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 % × 68,5 | 20.6 |
| Transparency | 30 % × 85,0 | 25.5 |
| Reachability | 20 % × 62,5 | 12.5 |
| AI quality score | 20 % × 75,4 | 15.1 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 35/100 | Technical measurement | 14.0 / 40 |
| Accessibility | 95/100 | Technical measurement | 28.5 / 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: Euribor 3 kk + asiakaskohtainen marginaali 4,50 %-14,99 % ja Korkein mahdollinen todellinen vuosikorko on 25,005 % | Yes | Website + AI extraction | 25.0 / 25 |
| Setup/opening fee and account maintenance fee itemised OBSERVATIONTuotesivulla: avausmaksu 0 euroa, kuukausittainen tilinhoitomaksu 12,50 euroa/kk | Yes | Website + AI extraction | 15.0 / 15 |
| Loan amount and payment period range displayed OBSERVATIONTuotesivulla lainasumma 5 000-50 000 euroa ja laina-aika jopa 12 vuotta | Yes | Website + AI extraction | 15.0 / 15 |
| Collateral model stated (car as collateral, other collateral or unsecured) OBSERVATIONTuotesivulla: Et tarvitse vakuuksia tai takaajaa | Yes | Website + AI extraction | 15.0 / 15 |
| Instalment, down payment or residual value model stated OBSERVATIONtuote on vakuudeton S-Laina; osamaksu-, käsiraha- tai jäännösarvomallia ei tarjota | No | Website + AI extraction | 0.0 / 10 |
| Early repayment terms stated OBSERVATIONennenaikaisen takaisinmaksun ehtoja ei korosteta tuotesivulla; oikeus on kuluttajaluoton ehdoissa | Partly | Website + AI extraction | 5.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONS-Pankki Oyj, Y-tunnus 2557308-3, näkyy sivustolla | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONasiakaspalvelusivulla puhelin näkyy lähinnä hätänumeroina (tunnusten sulku 09 6964 6820, kortin sulku 020 333, 24/7) | Partly | Website + AI extraction | 15.0 / 30 |
| Email shown OBSERVATIONsuoraa sähköpostia ei näytetä; yhteydenpito päivitetään yhteystietoasetuksissa | No | Website + AI extraction | 0.0 / 15 |
| Chat support OBSERVATIONAsiakaspalvelusivu: virtuaaliavustaja Aulis vastaa kysymyksiisi heti | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown OBSERVATION24/7 hätänumeroiden aukiolo kerrotaan, yleisen puhelinpalvelun aukioloa ei korosteta | Partly | Website + AI extraction | 7.5 / 15 |
| FAQ section OBSERVATIONAsiakaspalvelusivulla laaja Usein kysyttyä -osio | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONS-mobiili-sovellus on pankin pääasiallinen asiointikanava | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 78/100 | AI analysis | 26.5 / 34 |
| Findability of pricing | 76/100 | AI analysis | 25.1 / 33 |
| Content coverage | 72/100 | AI analysis | 23.8 / 33 |
Are you a customer of the S-Pankki service? 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 +13.2 points: 86.8 → 100.0, and your lead over number two grows 6.3 → 19.5.
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.
The #1 badge is awarded only to the measured #1 in the Car loans category, and it works as a link to this public profile. The badge stays yours permanently: if the top spot ever changes, the badge automatically updates to show the period when you were #1. Rankings and badges cannot be bought.
