Compare loans and save in expenses

Compare loans for free, for loans up to €60,000, interest starting at 4%. We follow the principles of fair loan comparison. We make sure that you get the most affordable loan offers in our comparison.

Loan calculator – compare here

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5 years
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The loan period can be 1–15 years, the loan sum can be €1,000–€60,000, and the interest rate can be 4–20%. Example: If the loan sum is €10,000, the interest rate is 6,5 %, and the repayment period is 5 years, the setup fee is €0, the account management fee is €5/month, the monthly repayment is €201, the sum repayable is €12,040, and the annual percentage rate of interest is 7,83 %.
The loan period can be 1–15 years, the loan sum can be €1,000–€60,000, and the interest rate can be 4–20%. Example: If the loan sum is €10,000, the interest rate is 6,5 %, and the repayment period is 5 years, the setup fee is €0, the account management fee is €5/month, the monthly repayment is €201, the sum repayable is €12,040, and the annual percentage rate of interest is 7,83 %.

Compare loans for free, for loans up to €60,000, interest starting at 4%. We follow the principles of fair loan comparison. We make sure that you get the most affordable loan offers in our comparison.

Comparing loans will save you money

Need a loan, but don’t want to pay for it any more than is necessary? Comparing loans will help you to find an inexpensive alternative among the credit provider’s options. The bigger the loan you need, the more important it is to compare them. Asking for offers may result in savings of hundreds or even thousands of euros during the loan period.

Compare loans with Sortter

  • Easy – you get up to 20 offers with a single application
  • Free – comparing loans is free for you
  • Secure – the service is run in an encrypted environment and your information will be safe
  • Transparent – you will see all loan expenses clearly itemised

Our customers' interest is the most important thing to us. We follow the principles of fair loan comparison. We make sure that you get the most affordable loan offers in our comparison.

Check our loan calculator to see how the loan amount and loan period affect the amount of monthly instalment.

A fair loan comparison
  • A Fair loan comparison
    A Fair loan comparison
  • customer's side
    100 % on the customer's side
  • no hidden costs
    100 % no hidden costs
  • Finnish
    100 % Finnish service
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Our customers save an average of €1,682 in credit costs

Tendering for loans is small trouble for our customers, considering the average amount of money saved in credit costs is €1,682

The savings achieved by tendering for loans have been calculated by comparing the cheapest and most expensive loan offers. The calculations are based on loan offers for sums between 8,000 and 10,000 euros made by banks in April and May 2023. The saving indicated is the loan cost median, expressing a typical distribution of loan costs.

Tendering for loans reveals the differences between banks

Loan interest rates and costs range between banks and loan applicants. Banks’ credit decision and pricing models also change continuously and, depending on the time, favour different types of applicants. When you ask for tenders through our service, you will find the loan provider that meets your needs.

With Sortter, you can compare personal loan offers from a number of credit providers, seeing clearly the differences in the loans they have offered. All loan interest rates and costs are listed in our service clearly and without any small print. What’s more, the comparison is done transparently, using the annual percentage rate. This will help you to avoid nasty surprises, and comparing the loan offers is easy. 

Tendering for loans is small trouble compared to the amount of money you can save.

Comparing loans

Send an application easily online

Send an application easily online

Compare loan offers

Compare loan offers

Choose the best loan from the comparison

Choose the best loan from the comparison

You will receive the money

You will receive the money

FAQ tendering for loans

  • Typically our customers save more than 1,500 euros in the form of lower interest rates and loan costs.

    The amount saved depends on the amount of loan applied for and the credit offers made by the banks. Often the savings obtained through tendering increases in line with the loan amount, that is, the bigger the loan, the more you can save by tendering.

  • The interest rates of the loan offers depend on the banks’ credit estimates. We will submit your loan application for competitive tenders to banks and financial institutions to help you get a loan at the lowest possible interest rate. The credit providers may offer a loan at an interest rate between 4 and 20% Often the loan interest is lower the higher the loan you are applying for.

    You can also try our interest rate calculator, which will give you an estimate on your personal interest rate level. Enter the requested information into the interest rate calculator and you will receive an estimate of your interest rate, to the accuracy of a few percentage points. See also how the interest rate changes if you apply for a loan with a co-applicant.

  • Yes. We will make sure that each loan offer includes all loans costs, clearly itemised. This will make it easy for you to select a loan, and you will know exactly what the loan costs are.

  • Secure processing of information is the foundation of our operation. Our service is run in a secure, encrypted environment, and no outsiders will be to access your data. Neither will we hand over your data for marketing purposes. 

    We are a Finnish company, and have been awarded the Key Flag Symbol. Do not hesitate to contact us by phone or email to hear more about us or tendering for loans.

  • Banks and financial institutions process each loan application case by case. A positive loan decision requires, among other things, regular income, 20 years of age and a payment history without defaults.

    The easiest way to find a cheap loan offer is to fill in a loan application on our website. Make sure you fill in each field carefully to ensure that the loan providers have the correct information to go on.

  • Yes. You can pay extra instalments whenever you like, reducing the loan capital and shortening the repayment period. You can also pay it back in one instalment. You stop paying interest once the entire loan has been repaid. However, remember to agree with your loan provider on any premature repayment.

Ask for tenders with no strings attached

You can ask for tenders from dozens of banks and financial institutions through Sortter with a single application. We will seek personal loan offers to you for the sum and loan period you want. We will always recommend the cheapest possible loan to you, but always leave the decision to you. As a user of our service, you decide which bank’s loan offer to accept.

This is how it works

  1.  Send an application. 
  2.  Read the loan offers and select the most suitable one.
  3. Sign the loan agreement with the loan provider using your banking credentials.
  4.  The money will be transferred to your account soon – possible already during the same day.

We work with reliable banks and financial institutions. You must fulfil the following criteria in order to obtain loan offers through us

Do I fulfil the criteria?

  • You are at least 20 years of age
  • You have regular earned income or a pension
  • You have handled your personal finances properly, and you have no defaults

You can apply for a loan on your own or with a co-applicant. The co-applicant could be your spouse or cohabiting partner, for example. If feasible, we recommend that you request tenders with a co-applicant, as banks can often offer betters terms. However, both applicants are jointly and severally liable for the repayment of the loan.

When requesting loan tenders, pay attention to the loan period

A long loan period usually results in a smaller monthly instalment, but increases the overall costs. See the table below how a change in the loan period affects the loan costs.

Loan sum (€)Loan period (year)Interest rateAccount management fees (€/month)Monthly instalmentLoan and loan costs in total
5 00017 %4 €436,63 €5 240 €
5 00037 %4 €158,39 €5 702 €
5 00057 %4 €103,01 €6 180 €
5 00077 %4 €79,46 €6 675 €
5 000107 %4 €62,05 €7 447 €

Get loan offers in a matter of minutes

We work in direct cooperation with banks and financial institutions, so you get loan offers through us in as quickly as just a few minutes. 

Take your time to study the offers, and once you have found one that you prefer, you can accept the offer within our service. 

The loan agreement is concluded between you and the loan provider, and the loan agreement can be easily signed with your banking credentials.

The loan is repaid in agreed monthly instalment, but you can also pay it back prematurely. However, interest and expenses will no longer be charged as soon as you have paid back the full amount.

What does refinancing your existing loan mean?

Refinancing your existing loan or credit means that you replace the payment agreement with a cheaper loan. 

A smart consumer utilises competition between banks and financial institutions to check regularly at which interest rate loan is available. If you get a new loan at a lower interest rate, you can pay off the old, more expensive loan and save in loan servicing costs.

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Compare loans with Sortter and save money

How to benefit from refinancing your existing loan?

Get offers to refinance your existing loan or consumer credit, we at Sortter will do this free of charge for you, and grab yourself a loan at a lower interest, and save on loan costs. 

  • With a single application, you will receive many loans offers.
  • We will not charge you anything for collecting the offers for you.
  • You can apply for a loan for up to €60,000.
  • You can also apply for a combination loan, paying back all your earlier loans in one go and save money in the process – also combination loans can be refinanced like any other loans and consumer credit.

Use our loan calculator to find out how the loan sum and loan period affect the size of the monthly instalment.

Reasons for requesting tenders to refinance your existing loan

Requesting tenders for your existing loan only takes a few minutes, but can bring hundreds or thousands of euros in savings during the loan period. This is worth doing if your loan agreement was concluded more than six months earlier or you did not request tenders when you took it. 

A loan agreement concluded more than six months ago or without asking for tenders may not be competitive with the current price level, resulting from tighter competition between banks.

How does loan refinancing work?

  1. Fill in a loan application in the Sortter service. Enter the outstanding balance of your current loan and the loan period you would prefer. 
  2. Compare the interest of the loan offers with your current loan agreement. 
  3. If you get an offer that is better than your current loan agreement, take it. 
  4. Sign the loan agreement in the loan provider’s online service.
  5. The money is transferred to your account. 
  6. Pay off your existing loan and use the money saved through lower loan servicing costs for something else.

How does the interest rate level affect loan refinancing?

If you have an old loan or consumer credit, it is worth replacing it with a cheaper loan. The interest rate of your existing loan will not be lowered automatically even if the banks were new prepared to offer a loan under better terms. 

When you want to refinance an old loan agreement, Sortter will obtain a loan decision from all our partners with your single application, and you can pick the cheaper loan from them. 

Is it quite certain that I can pay off my old loan in the middle of the agreed loan period?

Yes, you can pay off the current loan prematurely. This is your legal right, and it does not even have to be mentioned in the terms. You can read more about premature repayment of loans on the website of the Finnish Competition and Consumer Authority

Experiences in loan refinancing

We submit thousands of loan application on behalf of our customers each month. We regularly ask our customers to provide feedback and to share their experiences of our service. Our customer give us by far the best feedback about the ease of use of the service and about the clarity of loan offers. Our customers also thank us for providing such a quick service. 

The following is how our customers have commented Sortter

  • “Very easy to use”
  • “I would recommend it to others.”
  • “By far the best loans comparison service online. Thanks!”
  • “Very good”
  • “A really clever application”
  • “Nice and reliable service” 
  • “Good service and quick answer”

Refinance your loan – more than 20 loan providers compared

With Sortter, you can get loan tenders from more than 20 loan providers. We are one of Finland’s biggest loan comparison platforms, which our customers can utilise in the form of a comprehensive service. You can get a loan offer from dozens of loan providers for various purposes, such as renovationcar or wedding.

Sortter is a Finnish service, and we charge you nothing for getting you competitive tenders. In order to get a positive credit decision from banks or financial institutions, you should fill in the loan application carefully. Applicants must be at least 20 years of age with regular income and no payment defaults.

Getting competitive tenders – tips

  • Have documents ready about your income (such as your latest payslip or document about pension income), so you can give your monthly income accurately. Some loan providers also want to see documentation about your income, so enter your income truthfully.
  • A payslip or pension certificate may be required.
  • Fill in the loan application carefully. Credit decisions are always made separately for each customer, so please give as much detail as possible about your situation.
  • Compare the loan offers carefully, but not for too long. Loan offers will expire in 2–4 weeks, and you may not get better offers after that.

Compare loans

Ask for offers and pick the cheapest one. You can get a loan for various purposes, such as buying a car or a cottage, or for renovating.

Remember that you can have an even better loan offer if you put in an application with another person. The co-applicant could be your spouse or cohabitant partner, for example. Banks consider two applications a safer option for them in terms of repayment, so you can usually get a bigger loan on better terms.

Only by asking for tenders can you be sure that you get the best offers.