Offer Metrics Dashboard
This dashboard provides a transparent, real-time view of the lender data that powers our comparisons. Every offer listed on 44Finance is backed by verifiable data, and this page shows the current state of each record, including when it was last reviewed and whether it meets our freshness standards.
Offer data older than 90 days without re-verification is automatically marked as Stale. Stale offers are downranked in comparisons and cannot receive a "Recommended" badge. For details on how scores are calculated, see our rating methodology. For how data is verified, see our fact-checking policy.
Column descriptions
- Creditor — lender or brand name.
- Country — target market for this offer.
- Amount range — minimum and maximum loan amount (€).
- Period range — loan term range in months.
- APR — Annual Percentage Rate, the headline cost metric including interest and mandatory fees.
- Fixed annual interest rate — base yearly rate from lender terms, excluding extra fees.
- interestRate — marketing-facing rate (may be monthly or a range).
- usp — unique selling point or highlight for this creditor.
- example — representative loan scenario: amount, period, APR, total payment, and fee.
- Last verified — date when this data was last reviewed (YYYY-MM-DD).
- TCO scenarios — total cost of credit for standardised amount/period combinations.
| Creditor | Country | Amount range | Period range | APR | Fixed annual interest rate | interestRate | usp | example | Last verified | TCO scenarios |
|---|---|---|---|---|---|---|---|---|---|---|
| Lendo | Sweden | 10000 - 800000 | 1 - 15m | 7.0% | 4.70% - 33.75% | 4.95 % - 23 % | Jämför privatlån via Lendo AB låneförmedlare | €150,000 / 144m / APR 7.0% / total 220 560 kr / fee 0 kr | 2026-02-20 |
|
| Etua | Finland | 500 - 60000 | 12 - 216m | 8% | Not provided | 4.68 % - 20 % | Suomen suosituin lainojen kilpailuttaja | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Haenyt | Finland | 500 - 70000 | 12 - 180m | 8% | Not provided | 4.19 % - 20 % | Löydä paras lainatarjous helposti | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Omalaina | Finland | 100 - 6000 | 12 - 240m | 8% | Not provided | 4.19 % - 20 % | Kilpailuta lainat helposti ja löydä paras | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Rahalaitos | Finland | 500 - 70000 | 12 - 180m | 8% | Not provided | 4.5 % - 20 % | Suomen suurin lainojen kilpailuttaja | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Rahoitu | Finland | 2000 - 60000 | 12 - 180m | 8% | Not provided | 4.99 % - 20 % | Löydä paras lainatarjous helposti | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Sortter | Finland | 1000 - 60000 | 12 - 180m | 8% | Not provided | 4 % - 20 % | Kilpailuta lainat helposti ja löydä paras | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Summarum | Finland | 500 - 60000 | 12 - 180m | 8% | Not provided | 4.41 % - 19.5 % | Etsi paras lainatarjous helposti | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Unolaina | Finland | 500 - 60000 | 12 - 180m | 8% | Not provided | 6.9 % - 20 % | Löydä paras lainatarjous helposti | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| VertaaEnsin | Finland | 500 - 60000 | 12 - 180m | 8% | Not provided | 4.19 % - 20 % | Vertaa lainoja ja säästä rahaa | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-20 |
|
| Ekonomen | Sweden | 5000 - 800000 | 12 - 240m | 8.41% | 4.95% - 23% | 4.95% - 23% | Ekonomisk rådgivning och lån från Ekonomen | €400,000 / 144m / APR 8.41% / total 626 457 kr / fee 400 kr | 2026-02-20 |
|
| Finlo | Sweden | 5000 - 800000 | 12 - 240m | 8.41% | 4.95% - 23% | 4.95% - 23% | Modern fintech lösningar från Finlo | €400,000 / 144m / APR 8.41% / total 626 457 kr / fee 400 kr | 2026-02-20 |
|
| Loans | Sweden | 10000 - 50000 | 60 - 76m | 8.41% | 4.95% - 23% | 16.95 % - 22.95 % | Lån och kreditlösningar från Loans | €400,000 / 144m / APR 8.41% / total 626 457 kr / fee 400 kr | 2026-02-20 |
|
| Coop Pank | Estonia | 300 - 25000 | 12 - 240m | 8,5% | Not provided | 6%+Euribor | Universaalne tagatiseta väikelaen igaks otstarbeks | €50,000 / 120m / APR 8,5% / total 65000€ / fee 0€ | 2026-02-20 |
|
| Rahoituskonttori | Finland | 2000 - 60000 | 12 - 180m | 9% | Not provided | 4.99 % - 20 % | Yhdistä lainasi ja säästä koroissa | €15,000 / 84m / APR 9% / total 19000€ / fee 0€ | 2026-02-20 |
|
| Kasvurahoitus | Finland | 2000 - 60000 | 12 - 180m | 10% | Not provided | 4.99 % - 20 % | Rahoitusta yritysten kasvuun | €20,000 / 18m / APR 10% / total 22000€ / fee 0€ | 2026-02-20 |
|
| TF Bank | Estonia | 1000 - 25000 | 12 - 120m | 12% | alates 7.9% | 7.9% | Mõistlikud laenud mõistlikele inimestele | €5,000 / 60m / APR 12% / total 6000€ / fee 0€ | 2026-02-20 |
|
| Banken | Finland | 500 - 70000 | 12 - 180m | 12% | Not provided | 4.19 % - 20 % | Perinteinen pankkipalvelu verkossa | €5,000 / 36m / APR 12% / total 5900€ / fee 0€ | 2026-02-20 |
|
| Klara Lån | Sweden | 2000 - 50000 | 1 - 96m | 12% | 3.95% - 29.33% | 6.84 % - 39.5 % | SMS lån med snabb hantering från Klara lån | €50,000 / 60m / APR 12% / total 66 450 kr / fee 0 kr | 2026-02-20 |
|
| Arkadiarahoitus | Finland | 2000 - 60000 | 12 - 180m | 15% | Not provided | 4.99 % - 20 % | Rahoitusratkaisuja kaikkiin tarpeisiin | €2,000 / 24m / APR 15% / total 2300€ / fee 0€ | 2026-02-20 |
|
| Primero | Estonia | 2000 - 20000 | 6 - 84m | 18% | al 15% | 15% | Autolaenude spetsialist ilma sissemakseta | €10,000 / 48m / APR 18% / total 11800€ / fee 0€ | 2026-02-20 |
|
| Northmill Bank Kontokredit | Sweden | 15000 - 50000 | 12 - 60m | 19.05% | 7.9% - 25.9% | 7.9 % - 22.9 % | Not provided | €25,000 / 12m / APR 19.05% / total 27 750 kr / fee 195 kr | 2026-02-20 |
|
| Bondora | Estonia | 100 - 20000 | 3 - 96m | 20.79%-59.9% | al 6.9% aastas | al 6.9% aastas | Krediidipakkumine umbes 5 minutiga, täielikult veebis | €2,000 / 12m / APR 20.79%-59.9% / total 2250€ / fee 0€ | 2026-02-20 |
|
| Credifi | Sweden | 2000 - 50000 | 30 - 365m | 25.14% - 847.49% | 22% | 44 % - 44 % | Komplett guide till Credifi SMS lån och villkor | €20,000 / 15m / APR 66.01% / total 26 939 kr / fee 588 kr | 2026-02-20 |
|
| Loanstep | Sweden | 10000 - 50000 | 60 - 76m | 25.76% | 19% | 16.95 % - 22.95 % | Not provided | €25,588 / 72m / APR 25.76% / total 54 398 kr / fee 0 kr | 2026-02-20 |
|
| Ferratum | Estonia | 100 - 5000 | 1 - 60m | 26,85%-52.08% | 24%-38.398% | al 2% kuus | Esimesed 30 päeva 0% uutele klientidele: laena kuni 5000€ ja maksa 30 päevaga tagasi 5001€ | €5,000 / 1m / APR APR example0% (esimesed 30 päeva uutele klientidele) / total 5001€ / fee 1€ | 2026-02-20 |
|
| Mogo | Estonia | 300 - 5000 | 6 - 72m | 28% | Not provided | 1,99% kuus jäägilt | Väikelaen kuni 5000€ ilma tagatiseta | €8,000 / 36m / APR 28% / total 9680€ / fee 0€ | 2026-02-20 |
|
| Creditstar | Finland | 50 - 3000 | 1 - 24m | 28% | Not provided | 14.99 % - 14.99 % | Rahaa nopeasti ja vaivattomasti | €500 / 6m / APR 28% / total 570€ / fee 0€ | 2026-02-20 |
|
| iRaha | Finland | 25 - 500 | 1 - 3m | 30% | Not provided | 20.5 % - 20.5 % | Rahaa nopeasti pieniin tarpeisiin | €500 / 6m / APR 30% / total 600€ / fee 0€ | 2026-02-20 |
|
| Vippi | Finland | 500 - 2000 | 7 - 65m | 30% | Not provided | 28.5 % - 28.5 % | Rahaa nopeasti pieniin tarpeisiin | €500 / 6m / APR 30% / total 600€ / fee 0€ | 2026-02-20 |
|
| Fairlo | Sweden | 10000 - 70000 | 1 - 72m | 32.55% | 14% - 29% | 20 % - 23 % | Sveriges snabbaste SMS-lån | €24,000 / 40m / APR 32.55% / total 37 544 kr / fee 0 kr | 2026-02-20 |
|
| Ferratum | Finland | 1 - 4000 | 1 - 54m | 38,398% | Not provided | 19.97 % - 19.97 % | Nopein hyväksyntä Suomessa | €2,000 / 12m / APR 38,398% / total 2415,98€ / fee 0€ | 2026-02-20 |
|
| Binly | Sweden | 2000 - 50000 | 1 - 12m | 43.5% - 105% | 43.5% | 44 % - 44 % | SMS lån från Binly Finans AB snabb utbetalning | €30,000 / 24m / APR 54.12% / total 48 680 kr / fee 1205 kr | 2026-02-20 |
|
| Tomly | Sweden | 2000 - 200000 | 4 - 19m | 43.5% - 105% | 43.5% | 23 % - 23 % | Lån och kreditlösningar från Tomly | €30,000 / 24m / APR 54.12% / total 48 680 kr / fee 1205 kr | 2026-02-20 |
|
| Credit24 | Estonia | 100 - 5000 | 1 - 60m | 46.69%-47.04% | 38.40% | al 24% aastas | Raha kontole kuni 15 minutiga, intress ainult kasutatud summalt | €1,600 / 12m / APR 46.69% / total 1957.13€ / fee 0€ | 2026-02-20 |
|
| Boonuslaen | Estonia | 100 - 5000 | 1 - 60m | 50.80% | 41.79% | al 2% kuus | Esimesed 30 päeva 0% uutele klientidele, kuni 5000€ | €5,000 / 1m / APR 50.80% / total 5001€ / fee 1€ | 2026-02-20 |
|
| ViaConto | Sweden | 1000 - 20000 | 3 - 28m | 53.53% | 43.5% | 43.5 % - 43.5 % | Not provided | €30,000 / 24m / APR 53.53% / total 48 680 kr / fee 0 kr | 2026-02-20 |
|
| Ferratum | Sweden | 1000 - 45000 | 4 - 46m | 53.8% | 43.99% | 43.99 % - 43.99 % | SMS lån och snabblån från Ferratum Sverige | €10,000 / 12m / APR 53.8% / total 12 560 kr / fee 0 kr | 2026-02-20 |
|
| Flexkontot | Sweden | 3000 - 30000 | 1 - 180m | 53.81% | 43.98% | 42.98 % - 42.98 % | Not provided | €15,000 / 12m / APR 53.81% / total 18 840 kr / fee 0 kr | 2026-02-20 |
|
| Trygga | Sweden | 5000 - 800000 | 12 - 240m | 54.05% | 43.5% | 4.95 % - 21.95 % | Not provided | €30,000 / 24m / APR 54.05% / total 48 680 kr / fee 195 kr | 2026-02-20 |
|
| Matchbanker | Sweden | 500 - 600000 | 3 - 180m | 2.95% - 47.64% | 2.95% - 47.64% | 2.95% - 47.64% | Not provided | €20,000 / 60m / APR 27.59% / total 35 202 kr / fee 595 kr | 2026-02-19 |
|
| CreditStar | Sweden | 5000 - 50000 | 6 - 36m | 74% - 105% | 43.5% | 43.5% | Not provided | €10,000 / 12m / APR 79.35% / total 13 544 kr / fee 0 kr | 2026-02-19 |
|
| Monefit | Estonia | 150 - 10000 | 1 - 60m | 45,89% | 37.85% | 37.85% aastas | Krediidiliin 150–10 000€, 30 päeva intressivaba | €1,000 / 12m / APR 45,89% / total 1217€ / fee 0€ | 2026-02-16 |
|
| Digitalfinans | Finland | 500 - 60000 | 12 - 180m | 8% | Not provided | 4-19% | Lainojen vertailu helposti ja nopeasti | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-15 |
|
| Lainamarkkina | Finland | 500 - 60000 | 12 - 180m | 8% | Not provided | 4-19% | Löydä edullisin laina yhdellä hakemuksella | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-15 |
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| Myloan | Finland | 500 - 60000 | 12 - 180m | 8% | Not provided | 4-19% | Löydä paras lainatarjous helposti | €10,000 / 60m / APR 8% / total 12500€ / fee 0€ | 2026-02-15 |
|
| Kattokorko | Finland | 1000 - 60000 | 12 - 180m | 9% | Not provided | 4-19% | Yhdistä lainasi ja säästä koroissa | €15,000 / 84m / APR 9% / total 19000€ / fee 0€ | 2026-02-15 |
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| Lainojenyhdistaminen | Finland | 1000 - 60000 | 12 - 180m | 9% | Not provided | 4-19% | Yhdistä useat lainat yhdeksi edullisemmaksi | €15,000 / 84m / APR 9% / total 19000€ / fee 0€ | 2026-02-15 |
|
| CapitalBox | Finland | 2000 - 250000 | 6 - 24m | 10% | Not provided | 5-15% | Rahoitusta yrityksille nopeasti ja helposti | €10,000 / 12m / APR 10% / total 10500€ / fee 0€ | 2026-02-15 |
|
| Fixura | Finland | 1000 - 15000 | 24 - 120m | 10% | Not provided | 6-20% | Suomen vanhin P2P-lainapalvelu | €5,000 / 60m / APR 10% / total 6300€ / fee 0€ | 2026-02-15 |
|
| Kompar | Finland | 1000 - 200000 | 6 - 24m | 10% | Not provided | 5-15% | Vertaa yrityslainoja ja löydä paras | €10,000 / 12m / APR 10% / total 10500€ / fee 0€ | 2026-02-15 |
|
| Qred | Finland | 1000 - 200000 | 6 - 24m | 10% | Not provided | 5-15% | Joustavaa yritysrahoitusta pienille ja keskisuurille yrityksille | €10,000 / 12m / APR 10% / total 10500€ / fee 0€ | 2026-02-15 |
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| Yrityslainat | Finland | 1000 - 200000 | 6 - 24m | 10% | Not provided | 5-15% | Joustavaa yritysrahoitusta pienille ja keskisuurille yrityksille | €10,000 / 12m / APR 10% / total 10500€ / fee 0€ | 2026-02-15 |
|
| Instabank | Finland | 500 - 50000 | 36 - 180m | 10.5% | Not provided | 7.99-19.99% | Pankkipalvelut ja lainat joustavasti | €10,000 / 60m / APR 10.5% / total 12750€ / fee 0€ | 2026-02-15 |
|
| Kredita | Finland | 1000 - 100000 | 6 - 18m | 12% | Not provided | 7-17% | Joustavaa rahoitusta pienille ja keskisuurille yrityksille | €5,000 / 12m / APR 12% / total 5600€ / fee 0€ | 2026-02-15 |
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| fjordbank | Lithuania | 1000 - 25000 | 12 - 120m | 12% | Not provided | 10% | Patikimas partneris jūsų finansiniams poreikiams | €10,000 / 60m / APR 12% / total 13000€ / fee 50€ | 2026-02-15 |
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| Nordnet | Finland | 100 - 15000 | 1 - 24m | 15% | Not provided | 0% - 29% | Maksimoi mahdollisuutesi onnistua. | €5,000 / 12m / APR 15% / total 5750 kr / fee 0 kr | 2026-02-15 |
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| Multitude Bank | Sweden | 100 - 15000 | 1 - 24m | 15% | Not provided | 0% - 29% | Väx dina besparingar med oss. | €5,000 / 12m / APR 15% / total 5750 kr / fee 0 kr | 2026-02-15 |
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| finbee | Lithuania | 500 - 15000 | 6 - 84m | 18% | Not provided | 15% | Patikimas partneris jūsų finansiniams poreikiams | €5,000 / 36m / APR 18% / total 6500€ / fee 20€ | 2026-02-15 |
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| Northmill | Finland | 100 - 5000 | 3 - 60m | 18.5% | Not provided | 7.9-19.9% | Joustava luotto arjen tarpeisiin | €2,000 / 24m / APR 18.5% / total 2380€ / fee 0€ | 2026-02-15 |
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| Axolaina | Finland | 100 - 5000 | 6 - 36m | 20% | Not provided | 15-25% | Joustavat pienlainat arjen menoihin | €1,000 / 12m / APR 20% / total 1100€ / fee 0€ | 2026-02-15 |
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| Creditea | Lithuania | 200 - 7000 | 3 - 84m | 22% | Not provided | 18% | Patikimas partneris jūsų finansiniams poreikiams | €2,000 / 24m / APR 22% / total 2500€ / fee 10€ | 2026-02-15 |
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| credit24 | Lithuania | 200 - 7000 | 1 - 48m | 24% | Not provided | 18.9% | Patikimas partneris jūsų finansiniams poreikiams | €2,000 / 12m / APR 24% / total 2300€ / fee 15€ | 2026-02-15 |
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| Altero | Lithuania | 100 - 5000 | 1 - 60m | 25% | Not provided | 20% | Patikimas partneris jūsų finansiniams poreikiams | €1,000 / 12m / APR 25% / total 1250€ / fee 0€ | 2026-02-15 |
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| paskolos | Lithuania | 100 - 10000 | 1 - 60m | 26% | Not provided | 20% | Patikimas partneris jūsų finansiniams poreikiams | €1,500 / 12m / APR 26% / total 1800€ / fee 0€ | 2026-02-15 |
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| saldo | Lithuania | 100 - 5000 | 1 - 60m | 28% | Not provided | 22% | Patikimas partneris jūsų finansiniams poreikiams | €2,000 / 12m / APR 28% / total 2500€ / fee 0€ | 2026-02-15 |
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| Saldo | Finland | 100 - 2000 | 1 - 12m | 30% | Not provided | 20-45% | Nopeat ja joustavat lainat arjen yllättäviin menoihin | €500 / 6m / APR 30% / total 600€ / fee 0€ | 2026-02-15 |
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| gosavy | Lithuania | 100 - 2000 | 1 - 24m | 30% | Not provided | 25% | Patikimas partneris jūsų finansiniams poreikiams | €1,000 / 12m / APR 30% / total 1300€ / fee 5€ | 2026-02-15 |
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| bobutespaskola | Lithuania | 50 - 1000 | 1 - 12m | 35% | Not provided | 30% | Patikimas partneris jūsų finansiniams poreikiams | €500 / 6m / APR 35% / total 600€ / fee 0€ | 2026-02-15 |
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| smspinigai | Lithuania | 50 - 500 | 1 - 3m | 45% | Not provided | 40% | Patikimas partneris jūsų finansiniams poreikiams | €300 / 1m / APR 45% / total 350€ / fee 0€ | 2026-02-15 |
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