Zmarta FI review

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

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Our verdict

Zmarta FI is a Finnish loan broker worth a look if you want a single application and offers from lenders it works with, and the origination fee is 0 EUR. It suits adults in Finland with regular income who can handle a hard credit check and a variable rate.

Key facts

Best for
A single application covering personal, debt consolidation, car and business borrowing, with the origination fee at 0 EUR.
APR
4.5% to 38% (Source, checked September 26, 2026)
Loan amount
€1,000 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)
Funding time
First loan offers are received right after the application is sent (Source, checked September 26, 2026)
Representative example
Unsecured loan of EUR 20,000 over 7 years 7 months, monthly instalment EUR 330, total cost EUR 29,987, effective annual interest rate 12.1% (Source, checked September 26, 2026)
Rate type
Variable (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 20 years old, regular salary or pension income, no payment default entries, permanent place of residence in Finland (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Business, Car, Guarantor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Freedom Rahoitus Oy (FI 2207313-9) (Source, checked September 26, 2026)
Headquarters
Finland (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Official website
zmarta.fi

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.com

Pros and cons

Pros

  • Amounts of €1,000 to €70,000 and terms of 12 to 180 stretch from a small home project to a larger consolidation.
  • The origination fee is 0 EUR, so arranging the loan costs nothing beyond the interest.
  • First offers arrive right after the application is sent, so the wait for a decision is short.
  • Free early repayment is included and support runs on phone, email and chat.

Cons

  • The credit check is hard, so an application from a weak credit file can be declined.
  • The rate type is variable, so instalments can rise when market rates move.
  • Zmarta is a broker, so the final rate and term come from whichever lender answers, not from Zmarta.
Zmarta FI

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Adults living in Finland with regular salary or pension income and no payment default entries who can pass a hard credit check.
  • Borrowers with more than one goal, since personal, debt consolidation and business spans personal, debt consolidation, business, car and guarantor loans.
  • People funding a home project, as home improvement is the listed use case.

Who should look elsewhere

  • Monzo Flex, with a rate of 10% to 23%, if you want a lower ceiling than the upper end of Zmarta's 4.5% to 38%.
  • Cashspace, whose rate of PHP 12 to PHP 36 ends below Zmarta's 4.5% to 38% upper end, if that end decides your choice.
  • Cashspace ES, which shows a 0% rate, if you would rather have no interest than a variable loan.

How Zmarta FI compares

Where Zmarta FI is available

Available
Finland

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

Frequently asked questions

What does it cost to take out a loan here?+

The origination fee is 0 EUR, so there is nothing to pay for arranging the loan. What you repay is interest on an amount within €1,000 to €70,000, and the representative example shows the total cost running well above the amount borrowed over the full term.

How much can I borrow, and for how long?+

Loan amounts run €1,000 to €70,000 and terms run 12 to 180. That covers a modest home project through to a larger debt consolidation or car purchase, and a longer term spreads the instalment while adding to the total cost.

What rate should I expect to pay?+

Rates run 4.5% to 38% on a variable basis, so the figure moves with the market. The site median is 12%, which shows how wide the spread is and why the quoted rate matters more than the starting point.

Who is eligible to apply?+

You need a minimum age, regular salary or pension income, a permanent place of residence in Finland and no payment default entries. The credit check is hard, so a thin credit file can stop an application before any offer arrives.

How does the application work?+

You send a single application and first offers arrive right after it goes through, because Zmarta works as a broker and passes your details to lenders. The lender that responds sets the final rate, term and repayment amount.

Can I repay the loan early?+

Free early repayment is included, so clearing the balance early adds no charge. Because the rate type is variable, it is worth asking what would still be owed on the day you settle rather than assuming the last instalment covers everything.

Which kinds of loan are offered?+

The personal, debt consolidation and business list covers personal, debt consolidation, business, car and guarantor loans, and home improvement is the stated use case. That makes a single application useful when a renovation, a car or a business purchase are all on the list.

How do I get help if something is unclear?+

Support runs on phone, email and chat, so phone, email, chat and a help centre are all open to you. The help centre is the place for application status and for the terms attached to a specific offer.

Sources

  • zmarta.fi/ehdot/lainavalityspalvelu checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity, Lender type, Arrangement fee

    “Kun haet meiltä lainatarjousta lainanvälityksen muodossa, pyydämme luottorekisteriotteesi luottotietoja välittävältä yritykseltä/yrityksiltä (kuten Bisnode D&B Finland Oy:lta ja/tai Suomen...”

  • zmarta.fi/lainaa-ilman-vakuuksia checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Rate type, Representative example, Term

    “Zmartan kautta voit vertailla vakuudettomat lainat 1000 - 70 000 euron lainasummien väliltä”

  • zmarta.fi/lainaa-rahaa checked September 26, 2026

    Backs: Funding time, Loan types, Use cases

    “Ensimmäiset lainatarjoukset saat hakemuksen lähettämisen jälkeen.”

  • zmarta.fi/ota-yhteytta checked September 26, 2026

    Backs: Support channels

    “Puhelin: 09 4241 4444 Sähköposti: info@zmarta.fi ... Tavoitat meidät myös chatista 9.00 - 15.00.”

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

    Backs: Founded

    “Zmarta on yksityis- ja yrityslainojen sekä sähkösopimusten ja vakuutusten vertailupalvelu, joka on perustettu vuonna 1999.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Zmarta FI

Zmarta FI

A single application covering personal, debt consolidation, car and business borrowing, with the origination fee at 0 EUR.

9.1/10See alternatives

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