Fixura

What Fixura does

Fixura is a Finnish consumer lending company that originated as a peer-to-peer lending marketplace in 2009, connecting individual investors with private borrowers. Since its 2021 acquisition by SaveLend Group Ab, it has operated as a wholly-owned subsidiary, with the SaveLend investment platform now funding Fixura-originated loans while Fixura continues to serve as the consumer-facing brand for Finnish retail credit. The company is headquartered in Vaasa, Finland, and is registered with the Finnish Financial Supervisory Authority (FIN-FSA) as a lender and peer-to-peer loan broker.

The company runs a fully digital lending platform that delivers automated credit decisions without human underwriting. Loan applicants authenticate via Finnish bank credentials (Signicat and Telia Tunnistus), grant consent for Open Banking access (Tink) to provide 12 months of transaction history, and are scored against credit bureau feeds (Suomen Asiakastieto, Bisnode) plus an internal profiling system. Approved loans of €1,000-€5,000 with terms up to 60 months are disbursed to the borrower's bank account within 1-2 business days. The product suite is organized as purpose-branded variants of a single underlying unsecured personal loan (Renovation, Cottage, Boat, Car, Debt Consolidation, and Arrangement loans) targeted at Finnish residents aged 21+ with regular income, Finnish bank access, at least two years of residency, and no payment defaults.

Fixura generates revenue primarily through interest income on originated consumer loans (nominal rates from 15%, with a representative 22.29% APR on a €3,500/60-month loan), recurring loan account fees of 0.30% per month / 3.65% per year capped at €150 annually, and ancillary transaction fees (due-date changes, repayment plan modifications, statement issuance, paper invoices). Loan capital is sourced through the parent SaveLend investment platform rather than directly from peer investors on a standalone marketplace. Customer acquisition is digital-first via paid search and social (Google Ads, Bing Ads, Facebook) supported by an educational content funnel (Financial School) and UX analytics (Hotjar).

Name

Fixura

Legal name

Fixura Ab Oy

Website

https://fixura.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Fixura is a Finnish consumer lending company that originates unsecured personal loans of €1,000-€5,000 via a digital platform with automated credit decisioning. Founded in 2009 and a wholly-owned subsidiary of SaveLend Group Ab since 2021, it serves individual Finnish residents seeking quick credit for personal purposes.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Peer-to-peer lending
• Consumer lending
• Debt consolidation
• Digital lending platform
• Unsecured personal loans

Headquarters

HQ city

Vaasa

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: Interest income generated from consumer loans extended to borrowers. The nominal interest rate is determined based on customer credit classification.
2. Loan Account Fees: Ongoing fees charged for loan servicing. The loan account fee is 0.01% per day calculated from the original loan capital, charged at 0.30% monthly or 3.65% annually, with a maximum of EUR 150.00 per year.
3. Ancillary Service Fees: Various one-time fees including change of due date (5€), repayment plan modification (50€), interest statements (20€), balance statements (10€), excess payment refunds (5€), and paper invoices (5€).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Fixura is a Finnish digital lending platform that offers unsecured consumer loans of EUR 1,000-5,000 with terms up to 5 years. Borrowers apply online using Finnish bank identifiers, receive automated credit decisions based on Open Banking transaction analysis and credit profiling, and obtain funds within 1-2 business days. Loan funding is sourced from investors via the SaveLend investment platform under the SaveLend Group Ab umbrella.

Product overview

Fixura operates as a peer-to-peer lending marketplace that connects borrowers seeking personal financing with investors. The company, founded in 2009 and part of SaveLend Group Ab since 2021, offers a portfolio of unsecured consumer loans through its platform including Personal Loans (1,000-5,000 EUR), specialized purpose loans (Renovation, Cottage, Boat, and Auto Loans), and debt management products (Consolidation and Arrangement Loans). Since 2021, investments in Fixura loans are facilitated through the SaveLend investment platform, providing investors access to credit portfolios. The company also provides educational content through its Financial School module. The platform features automated credit decisioning that processes borrower financial data for loan approvals.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loan
• Debt Consolidation Loan
• Arrangement Loan
• SaveLend Investment Platform

Quantifiable outcome

• Loans transferred within 1-2 business days after acceptance
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Suomen Asiakastieto OycoreTechnology or IntegrationCredit information provider used for credit assessments, payment default checks, and the Consumer Credit Inquiry System (CCIS). Provides access to information about borrower's previous credits and payment behavior.
• Signicat AbcoreTechnology or IntegrationElectronic identification service provider used for customer identification through Finnish bank identifiers in the loan application process.
• Telia TunnistuscoreTechnology or IntegrationFinnish identification service used for verifying customer identity through bank identifiers during the loan application process.
• TinkcoreTechnology or IntegrationOpen Banking platform provider used to retrieve and analyze bank account transaction data for creditworthiness assessment.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Bank Norwegian: Bank Norwegian is a Norwegian digital consumer bank offering credit cards, personal loans, and savings accounts across the Nordics. Comparable as a digital-first consumer lender targeting similar customer profiles, though it operates as a licensed bank (with deposit funding) rather than P2P-funded.
• Capitalbox: Capitalbox is an Estonian-founded P2P lending platform offering consumer and business loans across the Baltics and Nordics. Comparable as a regional European P2P consumer lender with similar digital application flow, though it primarily serves Baltic and Eastern European markets rather than Finland.
• Bondora: Bondora is an Estonian-based P2P lending platform offering consumer loans primarily in Estonia, Finland, and other European markets. Comparable as a regional European P2P consumer lender with automated credit decisioning, though it operates from a different country and has not been acquired by a Nordic group.
• Komplett Bank: Komplett Bank is a Norwegian digital challenger bank offering credit cards and personal loans primarily in Norway, with expansion into the Nordics. Comparable as a digital consumer lender with similar product profile, though focused on the Norwegian market rather than Finnish.

Broad incumbents

• Svea Bank: Svea Bank is a Nordic financial group offering consumer loans, SME financing, and payment solutions across the Nordics and Europe. Comparable as a Nordic consumer lender with broader geographic reach, though Svea is a diversified financial services group rather than a focused P2P consumer lender.
• Resurs Bank: Resurs Bank is a Nordic consumer finance specialist offering retail finance, credit cards, and personal loans across the Nordics. Comparable in serving Nordic consumers with credit products, but Resurs operates at significantly larger scale and is part of a broader retail finance ecosystem rather than a P2P-focused model.
• Nordax Bank: Nordax Bank (part of Nordax Group) is a Nordic specialist consumer lender offering personal loans, mortgages, and credit cards across Sweden, Norway, Finland, and Denmark. Comparable as a Nordic consumer lender with similar product mix and target customers, but operates at much larger scale and broader scope than Fixura.

Direct peers

• Fellow Finance: Fellow Finance is a Finnish-originated P2P lending platform offering consumer and SME loans in the Nordics and Western Europe. Directly comparable to Fixura as a digital consumer lender in the same Finnish market, with similar underwriting and online application flow.
• Multitude SE (formerly Ferratum): Multitude SE (formerly Ferratum) is a Helsinki-listed digital lender offering consumer loans, BNPL, and banking services across Europe. Comparable to Fixura as a Finnish-headquartered consumer lender with digital application and automated decisioning, though Multitude operates at significantly larger scale and broader geography.
• SaveLend Group Ab: SaveLend Group Ab is Fixura's parent company and operates a Nordic P2P/investment platform that now funds Fixura loans. They are direct peers in business model — both operate P2P lending marketplaces connecting borrowers with retail/institutional investors across the Nordics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Xx.com/fixura

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Fixura