Car finance – make an application for funding for a car. Find the motor finance that is best suited for your preferences.

Car finance – make an application for funding for a car. Find the motor finance that is best suited for your preferences.

You’ll be able to apply for a loan with or without collateral or determine hire purchase. Apply online – you’re going to get a financing choice at once or in a few days.

Financial Loan

Most economical interest


The quickest solution – cash in your account right away

Hire Purchase

Regarding banking institutions’ users

Do you very first wish to calculate the monthly payment of the car finance?

3 ways to finance an automible – pick the best one for you

a mortgage was a sensible choice if you would like a low interest and you have equity offered. OP cooperative banks’ owner-customers obtain OP incentives through protected bank loans. With a bank financing, you certainly will end up being the car’s proprietor overnight. As security, you should use, for instance, a home that you acquire when it is debt-free or you have paid back your property financing for a couple decades. Whenever making an application for a bank loan, your don’t need certainly to choose however exactly what collateral you want to use. We are going to advise which collateral to make use of after you have provided a loan software. In most cases, a bank loan may be the least expensive option to finance a motor vehicle acquisition. You can get a bank loan even if you are not an OP visitors.

Special credit rating is a good choice if you would like significantly less than 15,000 euros of funding. You can sign up for Special Consumer Credit without collateral. Fill out a Special credit application on line. You’re getting a financing decision immediately.

With hire-purchase financing, you can purchase an automobile from a car supplier or a private person. The automobile functions as collateral for your financing, which means you don’t want additional security. Hire-purchase loans have a hard and fast month-to-month instalment and interest you know the precise price of financing in the financing course. Subscribers of all finance companies can apply for hire purchase.

Car lease interest

The rate of interest is dependent on which type of money you select. A Regular interest rate for vehicles funding is actually 2–8 per cent. If you purchase an automobile from a car or truck dealership with hire purchase funding, the rate of interest should be determined on a case-by-case basis.

Could I sign up for car finance at an automobile supplier?

If you buy a motor vehicle from a motor vehicle dealer in Finland, you’ll be able to, usually, financing it with OP’s hire-purchase. You’ll be able to sign up for an initial loans offer easily online, in provider for vehicle people (Auton ostajan apuri) .

Implementing is free of charge of charge and won’t obligate that take out the borrowed funds. The final rate for hire-purchase financing is often set of the car dealer.

Cards retailers supply a few funding possibilities. If you find yourself an OP consumer and need OP’s hire purchase funding, be sure you inquire about an offer for OP’s hire purchase. The salesperson fills in contract and credit score rating software for you. Quick and easy!

Deposit, payment term and bills of motor finance

When you buy on hire-purchase, you usually need to offer advance payment: either a trade-in vehicles or cash. The down-payment for a unique vehicle is normally about 10–20percent. But motor finance may also be given without a down cost. For made use of trucks, the down payment tends to be about 20–30percent in the car’s purchase price.

The repayment amount of OP’s hire-purchase is actually 1 to 6 ages, according to your option. The repayment stage will depend on age the automobile, among other things. In hire-purchase, the final instalment amount may be more than the last your, when you have plumped for to pay modest month-to-month instalments.

You will discover regarding expenses and interest levels of OP’s hire purchase funding within our service for vehicles people (Auton ostajan apuri) or from a car dealership. The rate of interest under the arrangement is solved through the arrangement period, which means you know the number of their instalments beforehand, and the rate of interest continues to be the exact same in the mortgage duration.