Home › Consumer credit › Instabank
New company in the comparison. The basic metrics were measured with the same formula as for the others (67.0 / 100). The total score is 48.2 and the rank 8.
Each row was checked on 19.10.2026 from public sources. The same formula for everyone, read the full methodology.
| Effective annual interest rate | 28 p × 29,5 % | 8.3 |
| Opening and account maintenance fees | 11 p × 8.3% | 0.9 |
| Loan amount and loan term | 11 p × 50.0% | 5.5 |
| Basic metrics | 50 % × 67,0 | 33.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Effective annual interest rate NOTEWe use the maximum interest rate because there is no example. | Enintään 19,99 %, esimerkkilainaa ei julkaista | instabank.fi, consumer credit · instabank.fi, loan · instabank.fi, terms checked 19.10.2026 | 8.3 / 28 |
| Opening and account maintenance fees | Avausmaksu 90 €, tilinhoito 5,00 €/kk = 150 € vuodessa | instabank.fi, consumer credit · instabank.fi, loan · instabank.fi, terms checked 19.10.2026 | 0.9 / 11 |
| Loan amount and loan term | Up to €50,000 Enimmäislaina-aikaa ei kerrota kulutusluotto-, laina- eikä ehtosivulla, vain että ikä ja laina-aika yhteensä ovat enintään 80 vuotta. | instabank.fi, consumer credit · instabank.fi, loan · instabank.fi, terms checked 19.10.2026 | 5.5 / 11 |
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 % × 90,5 | 27.1 |
| Transparency | 30 % × 30,0 | 9.0 |
| Reachability | 20 % × 90,0 | 18.0 |
| AI quality score | 20 % × 64,4 | 12.9 |
Bonuses and detailed metrics: methodology.
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 +21.0 points: 48.2 → 69.2, rank 8 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.