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

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

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

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Carefree pupil life by having student loan

OP’s owner-customer advantages

As an owner-customer, you will get education loan without any solution charge, provided you filed your loan application at op.fi. In addition, you shall get a price reduction on banking solutions and OP bonuses.

Make an application for a loan on the web without managing costs

You are able to conveniently use online (in Finnish) and save well on the loan managing expenses.

OP’s clients (in Finnish)

Lots of people state it is stupid to not draw straight down a student-based loan since it’s therefore low priced. You’ll get plenty of gain benefit from the loan it wisely if you spend.

Give attention to what’s essential

While learning, you don’t need to operate to have along economically. Our student loan allows you to concentrate on studies as well as on residing your daily life outside of college and also to make the track that is fast graduation.

We could provide you with a learning student loan at low priced and you may not need to create any payment and soon you graduate. Make use of your education loan while you like – for example, for rental, clothes, learn materials or travelling.

Education loan payment

In the event that you began your studies after 2014, you could gain as much as a huge number of euros through the education loan compensation by graduating on time. The education loan payment is the reason 40% for the loan quantity surpassing 2,500 euros.

Simple tips to make an application for a learning education loan

Automatic federal federal federal government guarantee

The federal government guarantee for the education loan may be the only collateral that you’ll need whenever obtaining the mortgage. Whenever KELA makes its choice on giving pupil aid that is financial it automatically provides an assurance choice to all or any those college pupils whom it verifies as study give beneficiaries.

Apply online (in Finnish)

You are able to make an application for a learning pupil loan and draw it on to your account conveniently online by logging into op.fi along with your online user identifiers. When this occurs, you may immediately get an educatonal loan choice electronically and then draw the loan down via OP eServices.

Obtaining an educatonal loan is achievable even although you aren’t customer that is yet OP’s. In this full situation, register the application form without logging in. We will then phone you within 1–3 business days. When it comes to approval, please go the agreed OP cooperative bank branch to finalise your education loan application.

Repayment two years after graduation

Education loan payment starts in two years’ time following the expiration for the pupil aid that is financial. That you don’t have to cover interest on the loan through your studies.

Whenever giving and supervising that loan, the financial institution utilizes the credit that is personal for the loan applicant, obtained through the credit documents of Suomen Asiakastieto Oy.

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

Will you be a https://installmentpersonalloans.org/payday-loans-wv/ student that is existing? You ought to submit an application for an educatonal loan from your own bank each educational 12 months. Note! You should apply for extra to the loan if you are continuing your studies and have already drawn down student loan. To find out more, browse the part “Continuing your studies? Make an application for extra” with this web page.

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

To try to get a student-based loan, you will need Kela’s legitimate education loan guarantee. University pupils get this guarantee choice immediately along with their student decision that is grant. If you should be in additional education, make an application for a loan guarantee from KELA utilizing a form that is separate trying to get a report grant and housing health supplement. We suggest trying to get the mortgage guarantee when it comes to period that is entire of at once.

As soon as the loan guarantee choice is made, your bank gets this information straight from Kela.

2. Submit an application for a learning education loan online

  • OP’s customers: the absolute most convenient method to submit an application for a education loan is through signing into op.fi. Once you file the application online, you may immediately have the loan choice via this solution.
  • Some other clients: you are able to submit an application for that loan on op.fi even though you aren’t customer that is OP’s. File the program without signing in and we’ll phone you within 1–3 banking days. In the event that application is authorized, we request you to go right to the agreed OP cooperative bank branch 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 acquired for drawdown regarding the next banking time

After the application is authorized, the education loan will soon be designed for drawdown generally in most cases regarding the business that is next currently. For those who have chosen automated drawdown relating to the pupil financial aid choice, the amount of money would be available on the account from the very first feasible repayment date.

Note! If the initial drawdown date falls for a week-end or bank getaway, the mortgage may be utilized in your account in training in the following day banking institutions are open, in other words. In the next banking day.


Brand brand New loans are at the mercy of an origination cost, that will be deducted through the drawdown amount that is first. Owner-customers obtain the loan without any origination cost by filing the application online.