Home › Debt collection agencies › Lowell
On the basic metrics alone, the score was 76.9 and the rank 3. The score is now 74.5 and rank 4 (▼ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
Lowell on Suomen toiseksi suurin perintätoimisto, ja sen velallissivut kertovat perinnän kulut ja vaiheet poikkeuksellisen tarkasti euroineen. Yhtiö näyttää Y-tunnuksensa ja tarjoaa chat-neuvonnan sekä Oma Lowell -palvelun. Selkein puute on se, ettei velallisen riitautusoikeutta tai ulkopuolista valitustietä avata.
Buying motives checked 16.10.2026 and basic metrics measured 18.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Collection costs are disclosed | 18 p × 100.0 % | 18.0 |
| Payment arrangements online | 14 p × 100.0 % | 14.0 |
| Client's price is disclosed | 12 p × 0.0 % | 0.0 |
| Customer service opening hours | 6 p × 66.7 % | 4.0 |
| Basic metrics | 50 % × 76,9 | 38.5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Collection costs are disclosed | Payment demand fees at most 14, 24 or 50 € | lowell.fi checked 16.10.2026 | 18.0 / 18 |
| Payment arrangements online | Due date postponement and payment plan in Oma Lowell | lowell.fi checked 16.10.2026 | 14.0 / 14 |
| Client's price is disclosed | The price of the debt collection service for the client was not found on the front page, the customer service pages or in the site's sitemap by searching for price and price list. | lowell.fi, customer service checked 16.10.2026 | 0.0 / 12 |
| Customer service opening hours | Customer service on weekdays 8–18 | lowell.fi checked 16.10.2026 | 4.0 / 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 % × 76,6 | 23.0 |
| Transparency | 30 % × 80,0 | 24.0 |
| Reachability | 20 % × 67,5 | 13.5 |
| AI quality score | 20 % × 82,0 | 16.4 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 58/100 | Technical measurement | 23.2 / 40 |
| Accessibility | 82/100 | Technical measurement | 24.6 / 30 |
| Findability (SEO) | 92/100 | Technical measurement | 13.8 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Collection costs and statutory maximum amounts stated to the debtor OBSERVATIONMitä perinnässä tapahtuu: 'Maksumuistutuksen kulut ovat enintään 5 euroa'; ensimmäinen maksuvaatimus '14, 24 tai 50 euroa' ja toinen '7, 12 tai 25 euroa'. | Yes | Website + AI extraction | 25.0 / 25 |
| Stages of debt collection and legal collection described OBSERVATIONSivu kuvaa vaiheet: maksumuistutus, maksuvaatimus, toinen maksuvaatimus, oikeudellinen perintä (oikeuskäsittely) ja ulosotto aikatauluineen. | Yes | Website + AI extraction | 20.0 / 20 |
| Payment plan or extra payment time for the debtor stated OBSERVATION'Tee maksusuunnitelma, jos eräpäivän siirto ei auta. Silloin voit maksaa laskun useammassa erässä.' | Yes | Website + AI extraction | 15.0 / 15 |
| Debtor's right to dispute the invoice and the possibility to appeal stated OBSERVATIONluetuilla sivuilla ei mainita velallisen riitautusoikeutta eikä kuluttaja-asiamiestä. | No | Website + AI extraction | 0.0 / 15 |
| Debtor's own online service for handling the matter shown OBSERVATION'Oma Lowell toimii myös mobiilisti'; velallinen hoitaa asian Oma Lowell -palvelussa. | Yes | Website + AI extraction | 10.0 / 10 |
| Business ID or responsible company clearly displayed OBSERVATIONSivuston tiedoissa 'Y-tunnus: 0140351-4'. | Yes | Website + AI extraction | 10.0 / 10 |
| Debt collection licence or registration stated | No | Website + AI extraction | 0.0 / 5 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATION'02 2700 300 (ma-pe 8-18)'. | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONsähköpostia ei anneta; yhteydenotto Oma Lowell -viestipalvelun kautta. | No | Website + AI extraction | 0.0 / 15 |
| Chat support OBSERVATION'Chat-neuvonta muistutus- ja perintäasioissa (ma-pe 8:15-17:30).' | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown OBSERVATION'Autamme laskuihin, maksamiseen ja perintään liittyvissä asioissa arkisin kello 8-18.' | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section OBSERVATIONaihekohtaisia usein kysytyt kysymykset -artikkeleita (esim. sähkölaskuista), ei yhtä koottua velallisen UKK-osiota. | Partly | Website + AI extraction | 7.5 / 15 |
| Mobile app | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 82/100 | AI analysis | 27.9 / 34 |
| Findability of pricing | 84/100 | AI analysis | 27.7 / 33 |
| Content coverage | 80/100 | AI analysis | 26.4 / 33 |
Oletko Lowell-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 +22.6 points: 74.5 → 97.1, rank 4 → 1.
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.
