Car lease – submit an application for funding for a car. Select car finance that best suits your requirements.

Car lease – submit an application for funding for a car. Select car finance that best suits your requirements.

You are able to submit an application for financing with or without guarantee or determine hire purchase. Apply online – you will get a financing choice right-away or perhaps in a couple of days.

Bank Loan

Least expensive rate of interest


The quickest choice – money in your accounts instantly

Hire Purchase

For all financial institutions’ people

Would you first need to assess the monthly payment of your car loan?

3 ways to finance a vehicle – select the right choice for you

a bank loan try a sensible choice if you need a reduced interest along with equity readily available. OP cooperative banking institutions’ owner-customers obtain OP bonuses through secured loans. With a bank loan, you will get to be the car’s proprietor right-away. As security, you need to use, for example, a home that you get if it is debt-free or if you have actually paid back your house loan for several years. Whenever applying for a bank financing, you don’t want to decide but exactly what security you want to make use of. We’ll recommend which security to make use of once you’ve posted that loan program. Typically, a bank mortgage could be the least expensive method to financing an automible buy. It is possible to make an application for a bank loan even though you are not an OP buyer.

Unique credit rating is an excellent alternative if you would like not as much as 15,000 euros of financing. You can sign up for Unique credit rating without guarantee. Fill in a unique credit rating program on the internet. You’ll get a financing choice right away.

With hire purchase funding, you can aquire a motor vehicle from an auto dealership or an exclusive individual. The vehicle serves as security for all the loan, which means you don’t need different guarantee. Hire purchase money provides a hard and fast month-to-month instalment and interest so that you can ascertain the precise price of funding through the financing cycle. Users of most banks can apply for hire purchase.

Motor finance interest

The interest rate hinges on which kind of loans you select. A Regular rate of interest for automobile financing is actually 2–8 percent. If you buy an automobile from an automobile dealership with hire-purchase financing, the interest rate are determined on a case-by-case factor.

Can I make an application for car lease at an auto dealership?

If you purchase an automible from a car or truck supplier in Finland, you’ll, as a rule, fund they with OP’s hire-purchase. You’ll sign up for a preliminary fund provide conveniently on the web, within the service for auto people (Auton ostajan apuri).

Applying is free of charge of charge and will not obligate that pull out the mortgage. The last cost for hire-purchase funding is set from the automobile provider.

Credit retailers provide several financing alternatives. If you’re an OP consumer and need OP’s hire-purchase financing, take time to inquire about a deal for OP’s hire-purchase. The salesperson fulfills within the agreement and credit software available. Easy and quick!

Down-payment, payment phrase and prices of car lease

As soon as you get on hire purchase, you generally must offer advance payment: either a trade-in car or profit. The down-payment for a new vehicle is normally about 10–20per cent. But car finance can certainly be granted without a down repayment. For made use of cars, the downpayment tends to be about 20–30per cent of this car’s price.

The repayment period of OP’s hire purchase are 1 to 6 years, based your choice. The repayment years is dependent upon age the vehicle, among other things. In hire-purchase, the past instalment quantity can be raised above the previous people, if you have opted for to cover more compact monthly instalments.

You can find out regarding the outlay and rates of OP’s hire purchase funding in our provider for vehicle purchasers (Auton ostajan apuri) or from an automobile dealer. The rate of interest according to the agreement try solved throughout the contract stage, you know the level of your instalments ahead, as well as the rate of interest continues to be the same through the mortgage duration.

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