Etua.fi review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Etua.fi suits Finnish borrowers with steady income and clean credit who want one place for a consumer loan, a credit line and a mortgage. It is a broker, so terms come from partner lenders, and its consumer rates of 6% to 17.5% sit near the site median of 12%.

Key facts

Best for
Finnish residents consolidating several needs into one lender relationship.
APR
6% to 17.5% (Source, checked September 26, 2026)
Loan amount
€500 to €70,000 (Source, checked September 26, 2026)
Term
12 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
15 000 euron laina, nimelliskorko 6,99 %, todellinen vuosikorko 7,9 %, laina-aika 10 vuotta, avausmaksu 0 euroa, tilinhoitomaksu 5 euroa/kk, kokonaiskulut 21 490,80 euroa (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
At least 18 years old, permanently resident in Finland, earn at least 850 EUR per month before taxes, hold a Finnish bank account with online banking details and a valid email, and have clean credit records (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Credit-line, Car, Business, Secured (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Etua Oy (Y-tunnus 2167036-1), owned by Alma Media Oyj (Source, checked September 26, 2026)
Headquarters
Finland (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
etua.fi

Mortgages

Initial rate
2.89% (Source, checked September 26, 2026)
APRC
2.89% (Source, checked September 26, 2026)
Fixed period
20 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Etua Oy (Y-tunnus 2167036-1), owned by Alma Media Oyj (Source, checked September 26, 2026)
Headquarters
Finland (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
Trustpilotkauppalehti.fiasiakastieto.fi

Pros and cons

Pros

  • No opening fee on the consumer loan: 0 EUR, and the product itself is €0
  • Free early repayment on the consumer loan, so paying off sooner costs nothing extra
  • A credit line is included, with consumer borrowing from €500 to €70,000 over 12 to 180
  • Mortgages listed at an initial rate of 2.89% with a margin of 2.89% and up to 90% loan to value

Cons

  • Applications run a hard credit check (hard) and expect good credit (good), so a blemish on the file closes the door
  • Support runs on email and help centre only, with no phone line or live chat for a time sensitive query
  • A broker, not a lender (broker), so the rate you are offered depends on which partner lender says yes
Etua.fi

Ready to try Etua.fi?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Adults permanently resident in Finland with a Finnish bank account and online banking details
  • Borrowers with clean credit records and a stable monthly income
  • Homebuyers and remortgagors comparing an initial rate of 2.89% against the site median of 4.35%

Who should look elsewhere

  • Anyone with a marked credit history, since the hard credit check and good credit requirement leave little room, and Monzo Flex at 10% to 23% is worth comparing for a different rate band
  • Borrowers who need to phone or chat, since support runs on email and help centre only, and anyone wanting a quick answer should weigh that before applying
  • Applicants living outside Finland or without a Finnish bank account with online banking details, and people who prefer dealing with one lender rather than through a broker

How Etua.fi compares

Where Etua.fi is available

Available
Finland
Licence in Finland
Finanssivalvonta (Finnish Financial Supervisory Authority), mortgage intermediary register, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Etua.fi?+

The consumer loan runs from €500 to €70,000, and terms stretch from 12 to 180. That range covers a new car and a wider home project, and a car loan is listed among the types on offer.

What rate will I pay on a consumer loan?+

The stated rate band is 6% to 17.5%, and the site median across lenders is 12%, so the top of the band sits above the middle of the market. Your actual offer depends on your credit profile.

Are there any fees to open the loan?+

No. The opening fee on the consumer loan is 0 EUR and the product fee is €0, so nothing is charged simply for taking the credit. The only recurring cost is the monthly account fee shown in the representative example.

Can I repay early without a charge?+

Yes, free early repayment applies to the consumer loan, so clearing the balance early carries no extra charge. Since the opening fee is 0 EUR and the product fee is €0, there is no exit cost to recover either.

What credit record do I need?+

Applications run a hard credit check, and the stated requirement is good credit. Applicants also need to be adults, permanently resident in Finland, with a Finnish bank account, online banking details, a valid email and a clean credit record before borrowing from €500 to €70,000.

Is Etua.fi regulated?+

Etua.fi appears on the mortgage intermediary register run by Finanssivalvonta, the Finnish Financial Supervisory Authority. The register entry covers the mortgage side, where the margin is 2.89%. As a broker, the loan contract itself is signed with a partner lender.

Does Etua.fi offer a mortgage as well as loans?+

Yes. Mortgages are listed for purchase, remortgage, first time buyer and buy to let purposes, at an initial rate of 2.89% with a margin of 2.89% and a maximum loan to value of 90%.

How do I get help if something goes wrong?+

Support runs on email and help centre, so help comes by email or through the help centre. There is no phone or live chat option listed, which matters if you need an answer quickly.

How does Etua.fi compare with the alternatives?+

Etua.fi bundles a consumer loan, a credit line and a mortgage in one place, while Monzo Flex sits at rates of 10% to 23%. Cashspace works in a different market at PHP 12 to PHP 36, so the two are a contrast rather than a direct substitute.

Sources

  • etua.fi checked September 26, 2026

    Backs: Features, Founded, Headquarters, Loan types, Use cases

    “Joustoluotto”

  • etua.fi/asiakaspalvelu checked September 26, 2026

    Backs: Support channels

    “Parhaiten tavoitat asiakaspalvelijamme sähköpostilla, pyrimme aina vastaamaan sähköposteihin yhden työpäivän sisällä. Tutustu myös useimmin kysyttyihin kysymyksiin”

  • etua.fi/asuntolaina checked September 26, 2026

    Backs: Maximum loan to value, Purpose

    “Suomessa asuntolainojen lainakatto määrittelee, että lainaa voi saada enintään 90 prosenttia lainan vakuutena annettavista varoista”

  • etua.fi/asuntolaina/asuntolainan-marginaalit checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate

    “Todellinen kokonaiskorko = marginaali + viitekorko + nostokulut + laskutuspalkkiot laina-ajalle jaksotettuna (efektiivinen korko)”

  • etua.fi/kulutusluotto checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Free early repayment, Arrangement fee, Representative example, Term, Licences

    “Etua.fi:ssä kulutusluottoa voi hakea 500-70 000 euroa”

  • etua.fi/tietoa-meista checked September 26, 2026

    Backs: Eligibility, Legal entity, Lender type, Product fee

    “Olet vähintään 18-vuotias, asut vakituisesti Suomessa, ansaitset vähintään 850 euroa kuukaudessa ennen veroja, olet hoitanut raha-asiasi moitteettomasti ilman maksuhäiriömerkintöjä”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Etua.fi

Etua.fi

Finnish residents consolidating several needs into one lender relationship.

8.9/10See alternatives

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