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On the basic metrics alone, the score was 81.7 and the rank 1. The score is now 82.8 and rank 1 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Siltaraha Oy erottuu kertomalla hinnan euroina laskurissa: kokonaismäärä ja kuukausierä näkyvät heti, kiinteä toimituspalkkio ilmoitetaan eikä muita kuluja peritä. Lainasumma, maksuaika, henkilötakausvaatimus ja ennenaikaisen takaisinmaksun ilmaisuus kerrotaan, ja operoiva yhtiö Y-tunnuksineen ja yhteystietoineen näkyy. Prosenttikorkoa ei anneta, mikä vaikeuttaa vertailua.
Buying motives checked on 12.10.2026 and basic metrics measured on 20.8.2026 from public sources. Same formula for everyone, read the full methodology.
| Price is shown in advance | 20 p × 100.0 % | 20.0 |
| Minimum loan amount | 11 p × 100.0 % | 11.0 |
| Maximum loan amount | 9 p × 10,5 % | 0.9 |
| Money to your account | 10 p × 100.0 % | 10.0 |
| Basic metrics | 50 % × 81,7 | 40.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price is shown in advance NOTEThe price is a fixed delivery fee; no other charges apply. | Total costs and monthly instalment are shown in the calculator before applying | siltaraha.fi checked 12.10.2026 | 20.0 / 20 |
| Minimum loan amount | 1 000 € | siltaraha.fi checked 12.10.2026 | 11.0 / 11 |
| Maximum loan amount | 300 000 € | siltaraha.fi checked 12.10.2026 | 0.9 / 9 |
| Money to your account NOTENormally the money is in the account within 1–3 banking days. The loan requires a personal guarantee. | At the fastest on the same day the loan was applied for | siltaraha.fi checked 12.10.2026 | 10.0 / 10 |
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 % × 80,2 | 24.1 |
| Transparency | 30 % × 90,0 | 27.0 |
| Reachability | 20 % × 75,0 | 15.0 |
| AI quality score | 20 % × 78,0 | 15.6 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 67/100 | Technical measurement | 26.8 / 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 |
|---|---|---|---|
| Interest rate or margin displayed without an application OBSERVATIONEtusivulla: "Läpinäkyvyyden takaamiseksi Siltaraha ilmoittaa koron, eli lainan hinnan, euroina eikä prosentteina" - prosenttikorkoa ei siis anneta | Partly | Website + AI extraction | 10.0 / 20 |
| Withdrawal fee and other costs itemised OBSERVATIONEtusivulla: kiinteä toimituspalkkio peritään tasaerissä ja "Lainasta ei peritä muita kuluja tai palkkiota" | Yes | Website + AI extraction | 15.0 / 15 |
| Loan amount and payment period range displayed OBSERVATIONOsakeyhtiöt 1 000-300 000 euroa (1-36 kk), henkilöyhtiöt 1 000-10 000 euroa (1-12 kk) | Yes | Website + AI extraction | 15.0 / 15 |
| Example calculation or total cost displayed OBSERVATIONLaskuri näyttää kokonaismäärän ja kuukausierän euroina (esim. kokonaismäärä 6 600 euroa, kuukausierä 1 010 euroa) | Yes | Website + AI extraction | 15.0 / 15 |
| Collateral requirements stated (unsecured or secured) OBSERVATIONEtusivulla: laina on vakuudeton mutta vaatii 1-2 henkilötakausta lainan koosta ja ajasta riippuen | Yes | Website + AI extraction | 15.0 / 15 |
| Early repayment terms stated OBSERVATIONEtusivulla: "Lainan voi maksaa takaisin myös nopeammalla aikataululla ilman lisäkuluja" | Yes | Website + AI extraction | 10.0 / 10 |
| Business ID (Y-tunnus) or operating company shown OBSERVATIONTietosuojasivulla: "Y-tunnus: 2732852-4" (Siltaraha Oy) | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown OBSERVATIONPuhelin 010 208 2750 esillä | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown OBSERVATIONSähköposti asiakaspalvelu@siltaraha.fi esillä | Yes | Website + AI extraction | 15.0 / 15 |
| Chat support OBSERVATIONchat support is not mentioned | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown OBSERVATIONAsiakaspalvelu arkisin 10-15 | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section OBSERVATIONsivustolla on usein kysytyt kysymykset -osio | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app OBSERVATIONmobile app not mentioned | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 80/100 | AI analysis | 27.2 / 34 |
| Findability of pricing | 82/100 | AI analysis | 27.1 / 33 |
| Content coverage | 72/100 | AI analysis | 23.8 / 33 |
Oletko Siltaraha-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 +8.2 points: 82.8 → 91.0, and your lead over number two grows 0.4 → 8.6.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The #1 badge is awarded only to the measured #1 in the Business loans 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.
