Student loan & Carefree student life with a student loan
Start repaying after you have graduated
Student loan repayment begins only in two years’ time after your studies are completed.
OP’s owner-customer benefits
As an owner-customer, you can get a student loan with no service charge, provided you filed your loan application at op.fi. In addition, you will receive a discount on banking services and OP bonuses.
Apply for a loan online without handling costs
You can conveniently apply online (in Finnish) and save on the loan handling costs.
OP's customers (in Finnish)
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Many people say 3 month loan it’s stupid not to draw down a student loan because it’s so cheap. You’ll get a lot of benefit from the loan if you spend it wisely.
Focus on what’s most important
While studying, you do not need to work to get along financially. Our student loan enables you to focus on studies and on living your life outside of school and to take the fast track to graduation.
We can offer you a student loan at low cost and you will not have to make any repayment until you graduate. Use your student loan as you like – for example, for rent, clothes, study supplies or travelling.
Student loan compensation
If you started your studies after 2014, you may gain up to thousands of euros from the student loan compensation by graduating on time. The student loan compensation accounts for 40% of the loan amount exceeding 2,500 euros.
How to apply for a student loan
Automatic government guarantee
The government guarantee for your student loan is the only collateral that you need when applying for the loan. When KELA makes its decision on granting student financial aid, it automatically gives a guarantee decision to all those university students who it confirms as study grant beneficiaries.
