Home › Buy now, pay later › OP Lasku
On the basic metrics alone, the score was 73.8 and the rank 2. The score is now 59.9 and rank 1 (▲ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
OP Lasku (OP Yrityspankki Oyj) on läpinäkyvyydeltään vertailun kärkeä: erillinen julkinen hinnastosivu kertoo tilinhoitomaksun 2,95 euroa, erämaksun kokonaiskoron 17,50 prosenttia, 45 päivän korottoman maksuajan ja jopa esimerkkiluoton todellisen vuosikoron 24,2 prosenttia. Luotonantaja osoitteineen kerrotaan avoimesti; heikkoutena maksumuistutuksen euromäärä ja suora asiakaspalvelun puhelinnumero jäävät pois.
Buying motives were checked on 12.10.2026 and basic metrics measured on 9.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Actual annual interest rate of the instalment payment | 22 p × 31,3 % | 6.9 |
| Interest-free payment period | 12 p × 100.0 % | 12.0 |
| Monthly cost | 10 p × 41.0 % | 4.1 |
| Due date postponement | 6 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 73,8 | 36.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Actual annual interest rate of the instalment payment NOTEOn the price list page the same calculation is given as 24.2%. The more cautious, higher figure has been used. The credit interest is the reference rate + 15%, nominal interest 17.50%. | 25.3% (€1,000 credit, 36 months) | op.fi checked 12.10.2026 | 6.9 / 22 |
| Interest-free payment period | 45 days of interest-free payment time | op.fi checked 12.10.2026 | 12.0 / 12 |
| Monthly cost NOTEThe fee is added only to the first invoice of the month, and it is not charged in months when you receive no invoices. | Account management fee 2.95 € (only in months when you receive an invoice) | op.fi checked 12.10.2026 | 4.1 / 10 |
| Due date postponement NOTEThe page concerns invoices moved to instalment payment. The postponement of the first purchase invoice's due date is not mentioned. | The due date of instalment invoices cannot be changed | op.fi 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 % × 59,8 | 17.9 |
| Transparency | 30 % × 92,5 | 27.8 |
| Reachability | 20 % × 50,0 | 10.0 |
| AI quality score | 20 % × 90,7 | 18.1 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 8/100 | Technical measurement | 3.2 / 40 |
| Accessibility | 100/100 | Technical measurement | 30.0 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 77/100 | Technical measurement | 11.6 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Invoicing or payment method surcharge displayed in euros OBSERVATIONHinnasto: 'Kun maksat laskulla tai erissä laskuun lisätään 2,95 euron tilinhoitomaksu. Tämä lisätään vain kuukauden ensimmäiseen laskuun.' | Yes | Website + AI extraction | 25.0 / 25 |
| Interest-free payment period (in days) stated OBSERVATIONOP Lasku -sivu: 'Saat ostoksillesi 45 päivää korotonta maksuaikaa'. | Yes | Website + AI extraction | 20.0 / 20 |
| Effective annual interest rate or credit interest of instalments displayed OBSERVATIONHinnasto: 'Erämaksun kokonaiskorko 17,50 %' ja '*OP Lasku on jatkuvakäyttöinen luotto, jonka todellinen vuosikorko 1000 euron luotolle on 24,2 %'. | Yes | Website + AI extraction | 20.0 / 20 |
| Payment reminder and debt collection fees stated OBSERVATIONHinnasto: 'Viivästyskorko 17,50 %' ja 'muistutukset tekstiviestillä', viivästyskorko kerrotaan, mutta maksumuistutuksen euromääräistä kulua ei ilmoiteta. | Partly | Website + AI extraction | 7.5 / 15 |
| Lender or Business ID shown OBSERVATIONHinnasto: 'Luoton myöntää OP Yrityspankki Oyj, Gebhardinaukio 1, 00510 Helsinki' (Y-tunnus 0199920-7). | Yes | Website + AI extraction | 10.0 / 10 |
| Finnish-language contract terms and support OBSERVATIONKoko sivusto on suomeksi, tuotetiedot ja hinnasto suomeksi, ja tuki ohjataan suomenkieliseen chattiin ('Kysy OP Laskusta chatissa'). | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Partly | Website + AI extraction | 15.0 / 30 |
| Email shown | No | Website + AI extraction | 0.0 / 15 |
| Chat support | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown | No | Website + AI extraction | 0.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | Partly | Website + AI extraction | 5.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 90/100 | AI analysis | 30.6 / 34 |
| Findability of pricing | 94/100 | AI analysis | 31.0 / 33 |
| Content coverage | 88/100 | AI analysis | 29.0 / 33 |
Oletko OP Lasku -palvelun asiakas? Kerro kokemuksesi. 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 +12.6 points: 59.9 → 72.5, and your lead over number two grows 2.0 → 14.6.
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 Buy now, pay later 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.
