Updated September 28, 2026 · BorrowCue Editorial Team
S-Pankki vs Super Finance Markets
S-Pankki vs Super Finance Markets: the differences
| Compare |  S-Pankki |  Super Finance Markets |
|---|---|---|
| Initial rate | 3.6% | 0.6%Lower |
| Fixed period | 5 to 10 yearsHigher | 0.25 to 2 years |
| Maximum loan to value | 95%Higher | 75% |
| Product fee | €300 | A$0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, Equity release, Home equity |
| APRC | 3.8% | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Founded is lower at S-Pankki: 2006 to 2007 vs 2018.
- Initial rate is lower at Super Finance Markets: 0.6% vs 3.6%.
- Fixed period is higher at S-Pankki: 5 to 10 years vs 0.25 to 2 years.
- Maximum loan to value is higher at S-Pankki: 95% vs 75%.
- Support channels: only S-Pankki offers Help centre.
- Support channels: only Super Finance Markets offers Email, Chat.
- Purpose: only S-Pankki offers First time buyer, Buy to let.
- Purpose: only Super Finance Markets offers Home equity.
Our verdict on each
S-Pankki
S-Pankki suits a Finnish borrower who wants to stretch a mortgage against as much of a property's value as possible and holds an account there. The trade-off is price: the mortgage starts at 3.6%, while the personal loan carries an APR of 25.005%.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | S-Pankki | Super Finance Markets |
|---|---|---|
| Cost | 9.1Origination fee is 0 EUR and early repayment is free, but the S-Laina APR of 25.005% is high. | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| Offer | 9.1HigherA fixed stretch of 5 to 10 and a maximum loan to value of 95% suit buyers with limited deposits. | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 8.9Higher | 8.6 |
Choosing between them
Pick S-Pankki if offer, trust, fixed period, and maximum loan to value matter most.
Pick Super Finance Markets if cost and initial rate matter most.
From lowest to highest
| Fact | S-Pankki | Super Finance Markets |
|---|---|---|
| Fixed period | 5 to 10 years | 0.25 to 2 years |
Positions in our rankings
| Ranking | S-Pankki | Super Finance Markets |
|---|---|---|
| Loans for bad credit | 151 of 275 | 157 of 275 |
| Mortgages | 262 of 719 | 268 of 719 |
| Remortgage deals | 190 of 351 | 194 of 351 |
| Equity release | 14 of 32 | 15 of 32 |
Every fact side by side
| Fact | S-Pankki | Super Finance Markets |
|---|---|---|
| Legal entity | S-Pankki Oyj | Super Finance Markets Pty Ltd |
| Headquarters | Finland | Australia |
| Founded | 2006 to 2007Lower | 2018 |
| Support channels | Phone, Help centre | Email, Chat, Phone |
Loans
| Fact | S-Pankki | Super Finance Markets |
|---|---|---|
| APR | 25.005% | 0.6% to 0.85%Lower |
| Loan amount | €5,000 to €50,000 | A$100,000 to A$3,000,000 |
| Term | 12 to 144 monthsHigher | 3 to 24 months |
| Arrangement fee | 0 EUR | 0 AUD (no application fee) |
| Credit check | Hard | None |
| Funding time | Paid to the account given in the application after signing the loan agreement; customers report it on the same day | Approval in 48 hours, funds disbursed in 10 business days |
| Representative example | S-Laina of 5 000 EUR over 12 months at the highest possible rate: monthly payment 469.24 EUR, 5 630.88 EUR paid in total | Not confirmed |
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Not confirmed |
| Rate type | Variable | Fixed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | S-Laina: at least 21 years old, Finnish personal identity code, permanently resident in Finland, regular gross income of at least 1 200 EUR per month, no registered payment defaults, existing S-Pankki customer with an S-Tili account | Not confirmed |
| Loan types | Personal | Business, Secured |
| Credit needed | Fair | Poor |
| Use cases | Home improvement | Not confirmed |
Where each stands against the rest
| Fact | S-Pankki | Super Finance Markets | Median |
|---|---|---|---|
| Initial rate | 3.6%below the median | 0.6%lowest quarter | 4.425% |
| APRC | 3.8%lowest quarter | Not confirmed | 5.04% |
| Fixed period | 5 to 10 yearsat the median | 0.25 to 2 yearslowest quarter | 10 |
| Maximum loan to value | 95%above the median | 75%lowest quarter | 90% |
Median across 238 listed lenders.
Pros and cons
S-Pankki
Pros
- A maximum loan to value of 95% lets a buyer stretch closer to the full value of the property.
- The mortgage initial rate of 3.6% sits well below Sofkredit's 8% to 14%.
- The rate is fixed for 5 to 10, so the monthly payment is known in advance.
Cons
- The S-Laina APR reaches 25.005% at the top of the range, and the representative example shows a total repaid well above the amount borrowed, so a slow repayment costs a lot of rate.
- The S-Laina rate is variable, so the payment can rise when the base rate moves and there is no fixed period to hold it steady.
- The credit search is hard, and only 20.4% of lenders on the site rely on a soft prequalification instead.
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
Who each suits
S-Pankki
Who it suits
- A buyer with limited savings, since the maximum loan to value of 95% is what makes a small deposit workable.
- An existing S-Pankki customer: the S-Laina asks for an S-Tili account, a Finnish personal identity code, permanent residence in Finland and no registered payment defaults.
- A borrower who wants the rate held at 3.6% for 5 to 10 and then chooses again.
Who should look elsewhere
- Not for a reader shopping on the lowest headline rate: Prestalo lists 2.36% and Creditilia ES lists 4%, both under S-Pankki's 3.6%.
- Not for someone who needs a larger unsecured loan than the S-Laina amount of €5,000 to €50,000, or a lighter touch than a hard search.
- Not for a rate comparison that treats a wide range as more choice: Sofkredit's 8% to 14% sits far above S-Pankki's 3.6%, so that is the costlier direction to move in.
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
Current offers
S-Pankki
Current offer
Bonus
Mortgage without delivery fee: 0 EUR delivery fee (normally at least 300 EUR)
Valid for new mortgage applications made 14.9.-31.10.2026: first-home buyers, home movers and mortgage transfers to S-Pankki
Source, checked September 26, 2026
Country by country
| Country | S-Pankki | Super Finance Markets |
|---|---|---|
| Australia | No | Yes |
| Finland | Yes | No |
Questions about each
S-Pankki
How much does a S-Laina cost to borrow?+
The quoted APR is 25.005%, which is the rate at the top of the range rather than the everyday price. The representative example shows the smallest loan over the shortest term paid at that highest rate, so the total repaid comes to clearly more than the amount borrowed. The origination fee is 0 EUR, so arranging the loan adds nothing to the first payment.
What does the mortgage cost in fees?+
The mortgage carries a product fee of €300, so unlike the S-Laina, where the origination fee is 0 EUR, taking out a home loan is not free to arrange. The annual percentage rate on the mortgage is 3.8%, which spreads the cost of borrowing over the fixed period rather than showing the headline rate alone.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.