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New company in the comparison. The basic metrics were measured with the same formula as for the others (84.9 / 100). The total score is 64.2 and the rank 4.
Each row was checked on 18.10.2026 from public sources. The same formula for everyone, read the full methodology.
| Effective annual interest rate | 28 p × 53.2% | 14.9 |
| Opening and account maintenance fees | 11 p × 12.5% | 1.4 |
| Loan amount and loan term | 11 p × 50.0% | 5.5 |
| Basic metrics | 50 % × 84,9 | 42.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Effective annual interest rate | 15.96% (example 13,640 €, 5 years) | morrowbank.fi, flexible credit · morrowbank.fi, prices and terms checked 18.10.2026 | 14.9 / 28 |
| Opening and account maintenance fees | Opening fee 49 €, account management 8.00 €/month = 145 € per year | morrowbank.fi, flexible credit · morrowbank.fi, prices and terms checked 18.10.2026 | 1.4 / 11 |
| Loan amount and loan term | Up to €50,000 The flexible credit has no predefined repayment period, and the maximum loan period is not stated. | morrowbank.fi, flexible credit · morrowbank.fi, prices and terms checked 18.10.2026 | 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 % × 92,2 | 27.7 |
| Transparency | 30 % × 85,0 | 25.5 |
| Reachability | 20 % × 77,5 | 15.5 |
| AI quality score | 20 % × 81,3 | 16.3 |
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 +13.0 points: 64.2 → 77.2, rank 4 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.