Education loan payment starts just in two years time that is your studies are finished.

Education loan payment starts just in two years time that is your studies are finished.

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Carefree pupil life by having a learning pupil loan

OP’s owner-customer benefits

Being an owner-customer, you could get pupil loan without any solution charge, provided you filed your loan application at In addition, you will get a price reduction on banking solutions and OP bonuses.

Submit an application for a loan on line without managing costs

You can easily conveniently use online (in Finnish) and save well on the loan management expenses.

OP’s clients (in Finnish)

Lots of people state it is stupid to not draw straight down an educatonal loan since it’s therefore low priced. You’ll get plenty of take advantage of the loan it wisely if you spend.

Give attention to what’s most critical

While learning, you don’t need working to have along economically. Our education loan lets you concentrate on studies as well as on residing your daily life outside of school and also to use the quick track to graduation.

We are able to provide you with a learning pupil loan at low priced and you’ll not have to help make any payment and soon you graduate. Make use of your education loan while you like – for example, for lease, clothes, learn materials or travelling.

Education loan payment

You may gain up to thousands of euros from the student loan compensation by graduating on time if you started your studies after 2014. The education loan settlement makes up about 40% associated with loan quantity surpassing 2,500 euros.

How exactly to submit an application for pupil loan

Automated federal government guarantee

The us government guarantee for the education loan may be the only collateral that you will need when trying to get the mortgage. Whenever KELA makes its choice on giving pupil aid that is financial it immediately offers an assurance choice to any or all those college pupils whom it verifies as study give beneficiaries.

Apply online (in Finnish)

You can easily submit an application for pupil loan and draw it on to your account conveniently online by logging into along with your online individual identifiers. When this occurs, you may immediately get an educatonal loan choice electronically and also draw along the loan via OP eServices.

Trying to get a student-based loan is achievable even although you aren’t yet OP’s client. In this full situation, register the program without logging in. We will then phone you within 1–3 business days. When it comes to approval, please go the agreed OP bank that is cooperative to finalise your education loan application.

Repayment a couple of years after graduation

Student loan payment starts in two years’ time following the expiration for the pupil aid that is financial. That you do not even have to cover interest on your own loan through your studies.

Whenever giving and supervising financing, the financial institution makes use of the personal credit information associated with loan applicant, acquired through the credit documents of Suomen Asiakastieto Oy.

Are you currently a student that is new? Study our directions for education loan applications.

Will you be a current pupil? You will need to submit an application for an educatonal loan from your own bank each scholastic 12 months. Note! If you should be continuing your studies while having currently drawn down education loan, you need to make an application for additional towards the loan. To find out more, see the area “Continuing your studies? Make an application for extra” with this web page.

1. Make sure to get that loan guarantee first from Kela

To use for a student-based loan, you’ll need Kela’s student loan guarantee that is valid. University pupils receive this guarantee choice immediately along with their student decision that is grant. If you should be in secondary education, submit an application for that loan guarantee from KELA utilizing a split type whenever trying to get a research grant and housing health health supplement. We advice trying to get the mortgage guarantee when it comes to whole amount of studies at once.

Whenever loan guarantee choice happens to be made, your bank gets this given information straight from Kela.

2. Apply for education loan online

  • OP’s customers: the absolute most convenient solution to submit an application for a education loan is through signing into You will automatically receive the loan decision via this service when you file the application online.
  • Some other clients: you are able to make an application for that loan on even though you aren’t customer that is OP’s. File the program without logging in and we’ll phone you within 1–3 banking times. In the event that application is authorized, we request you to go directly to the agreed OP bank that is cooperative to finalise your education loan application.

You can apply for a student loan at an OP cooperative bank branch with the consent from your parents/guardians if you are a minor.

3. Loan can be obtained for drawdown regarding the next banking time

After the job was authorized, the education loan is going to be readily available for drawdown in many instances on the business that is next currently. For those who have chosen automatic drawdown relating to the pupil school funding choice, the income is supposed to be available in your account from the very first feasible repayment date.

Note! If the initial drawdown date falls for a weekend or bank getaway, the mortgage may be used in your account in training in the overnight banking institutions are available, in other words. Regarding the next banking day.


New loans are at the mercy of an origination cost, which will be deducted through the very first drawdown quantity. Owner-customers obtain the loan without any origination cost by filing the application online.