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Loan and Credit is a domestic loan comparison service that compares the loan options of various Loan and Credit institutions on behalf of a client. We will help you compete and find the best and cheapest loan.

Sometimes life has unexpected situations where your own money and savings are not enough to cover all your expenses. Higher than expected veterinary fees, dental repairs, or car breakdown can suddenly confuse your household. When you need a loan, Loan and Credit helps you find it quickly and safely.

You should not borrow money from anyone


A variety of entrepreneurs have appeared on the loan market in recent years. Loan and Credit is a reliable loan comparison service partnered by well-known and financially sound lenders. Each is approved by the Finnish Financial Supervisory Authority. Using our service is free for you, as we receive our fees from banks. The quality and reliability of our operations is also illustrated by the right to use the Key Flag badge. The products and services marked with the key flag are designed specifically for Finns.

On these pages, we want to give you information about different types of loans and open the loan application process to find the loan that suits you best.

Borrow without collateral

Borrow without collateral

Many people in need of a loan are wondering if they dare to ask their loved ones for a loan. There is no need to think about it anymore because not all loans require collateral or guarantors. Alongside a traditional bank loan, there is an unsecured loan that is most often applied for online. These loans are provided by dozens of banks and Loan and Credit institutions in Finland. An unsecured loan is also known as a consumer credit.

What is Consumer Credit?

Consumer credit is a loan granted by a bank or a Loan and Credits company and can be obtained without collateral or guarantees. It can be applied for from USD 2,000 up to USD 60,000, with a term of one year to fifteen years.

Consumer credit is particularly well suited to situations where there is an acute need for money. You do not have to queue at the bank to get a loan, but you can easily apply online. The decision to grant a loan is also usually made in an instant. At best, the money is in your account the same day.

In consumer credit, the actual cost of a loan is determined by the interest rates and charges on the loan, such as credit opening and account management fees. Interest rates offered by different banks and Loan and Credits may vary greatly and the best loan offer may not be available at your bank. That is why when it comes to taking out a consumer loan, it is always wise to first tender it.

payday loans

Instant Leverage is a smaller unsecured loan of about USD 100 – 2000, which provides quick help for unexpected cash needs. However, on the longer side, an instant loan is an expensive loan that should be paid off as soon as possible. If there are more quick draws, you may want to combine them into one larger loan.

Flexible credit

Flexicurity is an unsecured loan that can be withdrawn at once or in smaller increments if you wish. Like a credit card, a borrower is granted a credit line within which money is available. Interest is paid only on the amount withdrawn, not on the total amount of credit granted.

As its name implies, flexible credit is flexible, as it can be raised and increased according to your life situation, and repayment has also been made flexible: when the financial situation permits, you can pay off your credit at once.

Borrow for different needs

Borrow for different needs

Pros and cons of an unsecured loan:


  • Applying for a loan is quick and easy and is not tied to bank opening hours.
  • No collateral or guarantors are required to obtain a loan.
  • The money will be credited at its best during the same day.
  • It is easy to apply for a loan through a loan comparison service. Loan and Credit does the bidding on behalf of the customer.
  • Usually the purpose of the loan does not affect the loan.
  • Smaller loans can be combined into one cheaper loan.
  • A reliable loan provider will not grant a loan if the customer’s solvency is insufficient to repay the loan.


  • An unsecured loan is often a little more expensive than a secured loan.
  • There are also really expensive loans in the jungle that are not worth taking.
  • Many smaller borrowers pay multiple service charges.
  • Many smaller loans can get into a debt spiral.
  • Saving is always cheaper than borrowing.