Student loan payment starts just in two years’ time after your studies are completed.

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Carefree pupil life by having pupil loan

OP’s owner-customer benefits

Being an owner-customer, you will get a learning pupil loan without any service charge, provided you filed your loan application at In addition, you will get a price reduction on banking solutions and OP bonuses.

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

You’ll conveniently use online (in Finnish) and save well on the loan management expenses.

OP’s clients (in Finnish)

Lots of people state it is stupid never to draw a student loan down since it’s therefore low priced. You’ll get plenty of take advantage of the loan if you spend it wisely.

Give attention to what’s most significant

While learning, there is no need to function to get along economically. Our education loan allows you to concentrate on studies and on residing your daily life outside of college also to use the quick track to graduation.

We are able to provide you with education loan at low priced and you’ll not need to make any payment before you graduate. Make use of your education loan as you like – for example, for rent, clothes, learn supplies 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 payment by graduating on time. The education loan settlement makes up 40% for the loan amount surpassing 2,500 euros.

Simple tips to submit an application for a learning pupil loan

Automated federal government guarantee

The federal government guarantee for the education loan may be the collateral that is only you may need whenever obtaining the mortgage. Whenever KELA makes its choice on giving pupil aid that is financial it immediately offers a warranty choice to any or all those college pupils who it verifies as study give beneficiaries.

Apply online (in Finnish)

You are able to submit an application for student loan and draw it on to your account conveniently online by logging into along with your online individual identifiers. When this occurs, you may immediately get a student-based loan choice electronically and then draw the loan down via OP eServices.

Trying to get a student loan is achievable even though 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 times. When it comes to approval, please go the agreed OP cooperative bank branch to finalise your education loan application.

Repayment 24 months after graduation

Education loan payment starts in two years’ time following the expiration associated with pupil aid that is financial. That you do not have even to pay for interest on your own loan through your studies.

Whenever giving and supervising that loan, the lender utilizes the individual credit information for the loan applicant, acquired through the credit data files of Suomen Asiakastieto Oy.

Have you been a new pupil? Browse our directions for education loan applications.

Are you currently a current pupil? You will need to submit an application for an educatonal loan from your own bank each scholastic 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 learn more, see the part “Continuing your studies? Make an application for extra” with this web web page.

1. Make every effort to get a loan guarantee first from Kela

To use for an educatonal loan, you’ll need Kela’s legitimate education loan guarantee. University pupils get this guarantee choice immediately together with their student give decision. If you should be in additional education, make an application for a loan guarantee from KELA utilizing a separate type whenever trying to get a research grant and housing supplement. We suggest obtaining the mortgage guarantee for the period that is entire of all at once.

Once the loan guarantee choice happens to be made, your bank gets this information straight from Kela.

2. Make an application for education loan online

  • OP’s customers: the essential way that is convenient make an application for an educatonal loan is through signing into Whenever you file the application form online, you may immediately have the loan decision via this solution.

  • Other customers: you are able to make an application for a loan on even though you aren’t OP’s client. File the application without logging in and we’ll phone you within 1–3 banking times. In the event that application is authorized, we request you to go directly to the agreed OP cooperative bank branch to finalise your education loan application.

If you’re a small, you can easily make an application for an educatonal loan at an OP cooperative bank branch aided by the permission from your parents/guardians.

3. Loan can be acquired for drawdown in the banking day that is next

After the job happens to be authorized, the education loan will likely be readily available for drawdown more often than not regarding the next working day already. When you yourself have chosen automated drawdown according to the pupil educational funding choice, the amount of money is likely to be available on the account regarding the very first feasible repayment date.

Note! If the very first drawdown date falls for a week-end or bank vacation, the mortgage could be used in your account in training from the overnight banking institutions are available, in other words. Regarding the next banking time.


Brand New loans are at the mercy of an origination charge, which can be deducted through the very first drawdown quantity. Owner-customers have the loan without any origination cost by filing the application online.