Home › Consumer credit › Neolaina.fi
New company in the comparison. The basic metrics were measured with the same formula as for the others (70.5 / 100). The total score is 46.1 and the rank 9.
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 × 38.2% | 10.7 |
| Opening and account maintenance fees | 11 p × 0.0% | 0.0 |
| Loan amount and loan term | 11 p × 1.2% | 0.1 |
| Basic metrics | 50 % × 70,5 | 35.2 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Effective annual interest rate | 18.50% (example €100, 30 days) | neolaina.fi, homepage · neolaina.fi, FAQ terms and prices · neolaina.fi, loan terms in brief checked 18.10.2026 | 10.7 / 28 |
| Opening and account maintenance fees | A monthly account management fee is not mentioned on the home page, in the FAQ or in the loan terms. The contract fee is 5.00 € per loan agreement. | neolaina.fi, homepage · neolaina.fi, FAQ terms and prices · neolaina.fi, loan terms in brief checked 18.10.2026 | 0.0 / 11 |
| Loan amount and loan term | Maximum 400 €, loan term maximum 90 days | neolaina.fi, homepage · neolaina.fi, FAQ terms and prices · neolaina.fi, loan terms in brief checked 18.10.2026 | 0.1 / 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 % × 76,2 | 22.9 |
| Transparency | 30 % × 75,0 | 22.5 |
| Reachability | 20 % × 67,5 | 13.5 |
| AI quality score | 20 % × 58,3 | 11.7 |
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 +24.7 points: 46.1 → 70.8, rank 9 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.