Euroloan Consumer Finance PLC

What Euroloan Consumer Finance PLC does

Euroloan Consumer Finance PLC, operated through the legal entity Holla Online Oy (Y-tunnus 2672272-2), is a Finland-based loan comparison and aggregation marketplace founded in 2007 and headquartered in Lahti. The platform enables Finnish consumers and businesses to submit a single online application and receive competing loan offers from more than 30 banks and credit providers, ranked by annual percentage rate. Consumer-facing coverage spans unsecured personal loans (Kulutusluotto), revolving credit lines (Joustoluotto), car loans (Autolaina), renovation loans (Remonttilaina), debt consolidation (Yhdistelylaina), credit cards (Luottokortti) and quick loans (Pikalaina) in the 1,000-70,000 EUR range, while the business offering extends to term loans (Yrityslaina) up to 350,000 EUR and revolving business credit lines (Yrityslimiitti).

The platform is powered by Oivalaina technology, which is itself operated by Holla Online Oy, integrating the loan comparison engine and consumer credit product into a single stack. The lender ecosystem includes Northmill, Creditstar, Ferratum, Fixura, Morrow Bank, Zmarta, Saldo, Rahalaitos and Haenyt.fi, with Haenyt.fi providing the business-loan bidding infrastructure. The service is free for borrowers, non-binding, and positioned around transparency of true annual percentage rate, with decisions often delivered the same day and funds disbursed within one business day.

The business model is affiliate/referral-based: Euroloan routes completed loan applications to partner lenders and earns referral or commission fees on originated loans. Distribution is fully digital and self-serve through euroloan.fi, with go-to-market executed via organic SEO, educational content and direct application flows targeting Finnish consumers and SMBs. The company is privately held with 11-50 employees, no disclosed funding rounds, no parent company and operates exclusively in Finland.

Name

Euroloan Consumer Finance PLC

Legal name

Holla Online Oy

Website

https://euroloan.fi

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Euroloan Consumer Finance PLC, operated by Holla Online Oy, is a Finland-based loan comparison marketplace that lets consumers and businesses submit one application and receive competing offers from over 30 banks and credit providers, earning referral commissions on originated loans.

Ownership category

akta.pro rank

Product category

Loan Comparison Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)

akta.pro secondary industry

Auto / Vehicle Marketplace Lending (FSAKAHAF)

Keywords

• Loan comparison services
• Consumer lending
• Business financing
• Loan marketplace
• Debt consolidation

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Others

Revenue model

1. Loan referral/lead generation: Euroloan acts as an intermediary, sending loan applications to partner banks and lenders. Revenue appears to come from referral fees or commissions paid by lenders when customers complete loan applications through the platform. The service is free for consumers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Euroloan operates a digital loan comparison and aggregation marketplace that connects Finnish consumers and businesses with competing loan offers from over 30 banks and credit providers through a single online application. The service is free for borrowers, generates revenue via lender referral fees, and presents ranked offers by annual percentage rate across consumer loans (1,000-70,000 EUR) and business financing (1,000-350,000 EUR).

Product overview

Euroloan Consumer Finance PLC operates a loan aggregation and comparison marketplace platform that connects borrowers with multiple banks and financial institutions. The core offering is a loan bidding/aggregation service where consumers and businesses submit a single application to receive competing offers from 30+ lenders. The product portfolio includes consumer credit products (Kulutusluotto, Joustoluotto, Autolaina, Remonttilaina, Yhdistelylaina, Luottokortti, Pikalaina) and business financing products (Yrityslaina, Yrityslimiitti). The platform is powered by Oivalaina technology (operated by Holla Online Oy) which handles the loan comparison engine and bidding process. Services are offered in Finnish and cater to both consumers (1,000-70,000 EUR, 1-20 years) and businesses (1,000-350,000 EUR, up to 6 years).

Differentiator

Problem solved

Functional benefit

Products and services

• Kulutusluotto (Consumer Loan) Unsecured personal loan ranging from 1,000 to 70,000 EUR with repayment terms of 1-20 years, paid out as a lump sum to the borrower's account and repaid in fixed monthly installments, offered through a competitive bidding process across multiple banks. Targets Finnish consumers seeking financing for home improvements, travel, or larger purchases.
• Joustoluotto (Revolving Credit) Revolving credit line providing a pre-approved credit limit (typically 100-4,000 EUR) from which borrowers can withdraw funds as needed, with interest charged only on the withdrawn amount. Available through partner Northmill.
• Autolaina (Car Loan) Unsecured car loan ranging from 1,000 to 70,000 EUR with repayment terms of 1-20 years, enabling borrowers to purchase vehicles from dealers or private sellers with cash-buyer status. Average nominal interest rate approximately 13.5%.
• Remonttilaina (Renovation Loan) Unsecured renovation loan for home improvements ranging from 1,000 to 70,000 EUR with repayment terms of 1-20 years, suitable for kitchen, bathroom, roofing, plumbing, and energy efficiency upgrades, with 2025 household tax deduction up to 1,600 EUR per person.
• Yhdistelylaina (Debt Consolidation Loan) Debt consolidation loan that combines multiple existing debts (credit card balances, installment purchases, revolving credits, small loans) into a single loan with one monthly payment to reduce total interest costs and simplify financial management.
• Luottokortti (Credit Card Comparison) Credit card comparison and referral service offering cards from partners including Ferratum Bank, Instabank, Morrow Bank, Saldo, K-Plussa, S-Etukortti, and Lainasto, with credit limits ranging from 3,000 to 25,000 EUR.
• Yrityslaina (Business Loan) Business term loan ranging from 1,000 to 350,000 EUR for investments, equipment purchases, and working capital, with repayment terms from 1 month to 6 years and interest rates typically between 10-30%, competitively bid across 10+ lenders through Haenyt.fi partnership.
• Yrityslimiitti (Business Credit Line) Revolving business credit line available in four tiers: 5,000 EUR, 10,000 EUR, 15,000 EUR, and 20,000 EUR, with interest charged only on drawn amounts, minimum repayment 7% of outstanding principal or minimum 200 EUR, and no fixed monthly fees.
• Pikalaina (Quick Loan) Quick small loan for urgent and unexpected needs where decision and disbursement can occur within minutes, referred to Ninnin Pikalaina partner service.

Quantifiable outcome

• Save up to 400 EUR annually on consumer loans through better rate comparison
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Ten partnerships are on record, tiered primary and minor.

• OivalainaprimaryTechnology or IntegrationOivalaina is the primary technology partner providing the loan comparison platform technology. As the main collaboration partner, Oivalaina's technology is used for loan competition across over 30 banks and lenders. Oivalaina is operated by Holla Online Oy, the same company behind Euroloan.
• NorthmillminorChannel Partner/ Reseller/ DistributorNorthmill offers flexible loans through Euroloan's platform. They provide credit line products ranging from 100-5,000 EUR with nominal interest rates starting at 14.90%.
• CreditstarminorChannel Partner/ Reseller/ DistributorCreditstar offers credit up to 15,000 EUR for 1-72 month terms. Part of international Creditstar Group operating across multiple markets.
• FerratumminorChannel Partner/ Reseller/ DistributorFerratum offers flexible credit up to 4,000 EUR with monthly account fee of 12 EUR. Minimum age 22 years.
• FixuraminorChannel Partner/ Reseller/ DistributorFixura is a peer-to-peer lending platform where loans come from ordinary people rather than large financial companies. Offers 1,000-5,000 EUR loans with 15-20% nominal rate.
• Haenyt.fiminorChannel Partner/ Reseller/ DistributorHaenyt.fi is a loan brokerage service that competes loans up to 70,000 EUR. Free service for applicants with no obligations.
• Morrow BankminorChannel Partner/ Reseller/ DistributorMorrow Bank is a Norwegian bank offering unsecured loans in Finland ranging from 1,000-50,000 EUR. Flexible repayment terms.
• RahalaitosminorChannel Partner/ Reseller/ DistributorRahalaitos is a Swedish-owned loan brokerage service that sends applications to multiple banks for competitive loan offers.
• SaldominorChannel Partner/ Reseller/ DistributorSaldo offers a virtual credit card solution without physical card. Credit limit up to 2,000 EUR with SMS-based withdrawals.
• ZmartaminorChannel Partner/ Reseller/ DistributorZmarta competes loans from 1,000-70,000 EUR with repayment periods from 1-15 years. Free and non-binding service.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Sortter: Finnish loan comparison marketplace that aggregates competing offers from multiple banks via a single application. Operates the same PLG comparison model targeted at Finnish consumers.
• Haenyt.fi: Domestic Finnish competitor also connected to Euroloan as a channel partner; mirrors Euroloan's marketplace model focused on unsecured consumer and small business loans up to 70,000 EUR.
• Zmarta Group: Swedish-owned loan-brokerage and comparison service operating in Finland, listed as an active distribution partner of Euroloan. Zmarta offers near-identical consumer loan comparison across multiple Finnish banks, making it the most directly comparable peer.
• Rahalaitos: Finnish loan broker that aggregates offers from multiple banks via a single application. Listed as a distribution partner; competes head-on with Euroloan on the same consumer-credit lead-gen model in Finland.
• Lendo (Nordic): Schibsted-owned Nordic loan comparison platform operating in Finland, Sweden, and Norway. Directly comparable business model, larger scale, and similar funnel for unsecured consumer credit.
• Fixura: Finnish P2P lending platform offering 1,000-5,000 EUR loans at 15-20% nominal, listed as a channel partner. Comparable in addressing small-ticket unsecured consumer credit, though funded by retail investors rather than banks.

Broad incumbents

• MoneySupermarket Group: UK-listed price-comparison platform covering loans, insurance, and banking products. Provides a benchmark for the broader comparison-marketplace operating model that Euroloan sits within at a smaller scale.
• LendingTree: Largest publicly traded US loan comparison marketplace, connecting consumers to multiple lenders across personal, auto, home, and business credit. Demonstrates the scaled version of Euroloan's marketplace model.

Emerging players

• Northmill Bank: Swedish challenger bank and active Euroloan distribution partner offering revolving credit lines. Comparable in product features (joustoluotto) and as a fintech alternative in the same Nordic consumer credit category.

Regional players

• CompareHero (UK/HK): Credit-card and personal-loan comparison marketplace in Asia and the UK with similar aggregator mechanics. Comparable as a multi-lender comparison funnel, but operating outside the Nordic region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/euroloansuomi
• LinkedInlinkedin.com/company/euroloan-consumer-finance-plc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Euroloan Consumer Finance PLC