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Finance House plc review

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

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Our verdict

Finance House is a Malta-based direct lender for car and personal loans, aimed at adults in regular full-time employment resident in Malta, with early repayment free. Its fixed rates sit at 10.57% to 13.46% on loans of €5,000 to €111,000, and the first review skips Sundays and public holidays.

Key facts

Best for
Malta-based car buyers in full-time work who want a fixed rate and free early settlement.
APR
10.57% to 13.46%↗
Loan amount
€5,000 to €111,000↗
Term
12 to 84 months↗
Arrangement fee
4.75% banking fee on loan value with direct debit↗
Funding time
Initial review within 48 hours (excluding Sundays and public holidays)↗
Representative example
Car Loan: loan of EUR10,000 over 5 years at 6.99% fixed: APRC 10.57%, 60 monthly instalments of EUR215.29, total EUR12,917.20↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Over 18 years of age and in regular full-time employment; resident in Malta, non-Maltese nationals must have resided in Malta for more than two years↗
Origination fee (%)
4.75%↗
Loan types
Car, Personal↗
Legal entity
Finance House p.l.c.↗
Headquarters
Malta↗
Founded
2013↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
financehouse.mt

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Free early repayment, so settling the balance before the term ends costs nothing extra.
  • Loan sizes of €5,000 to €111,000 cover both modest and larger car purchases.
  • Fixed-rate terms of 12 to 84 keep the instalment steady for the whole loan.
  • A direct lender, so the application and the loan stay with the same company.

Cons

  • A banking fee of 4.75% banking fee on loan value with direct debit adds to the cost of a car loan.
  • Eligibility is narrow: regular full-time employment and residence in Malta, with a waiting period for non-Maltese nationals.
  • Sofkredit offers 10.74% to 18.06%, a wider range with a higher top end than Finance House.

Ready to try Finance House plc?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Malta residents in regular full-time employment buying a car who want a fixed rate and free early settlement.
  • Borrowers who prefer a direct lender to a broker and deal with one company throughout.
  • People who want car finance and a personal loan from the same lender.

Who should look elsewhere

  • Borrowers living outside Malta, since Cashspace prices at PHP 12 to PHP 36 in pesos and serves a different market.
  • Anyone needing a larger loan, as Creduma ES offers amounts from from €12,000.
  • Applicants shopping a wider rate range, who can compare Sofkredit at 10.74% to 18.06%.

Safety of your money

Finance House lends directly as a lender rather than acting as a broker, so the borrower deals with one company from application to repayment. Its published representative example is a fixed-rate car loan repaid in monthly instalments, with the total repayable shown alongside the instalment. The lender sits under the Malta Financial Services Authority in Malta.

Who runs it

Finance House p.l.c. is the legal entity behind the loans, headquartered in Malta and operating since 2013. It is a direct lender, so the application and the loan stay with the same company. Support runs on email, phone and help centre, giving you phone, email and a help centre for questions about an application.

How Finance House plc compares

Where Finance House plc is available

Available
Malta
Licence in Malta
Malta Financial Services Authority, checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a car loan?+

The rate is fixed for the whole term, and the representative APR is 10.57% to 13.46%. Because the model is fixed rate, the monthly instalment does not move while you hold the loan. The published example shows a car loan repaid in equal monthly instalments with the total repayable stated.

What fees does Finance House charge?+

A banking fee of 4.75% banking fee on loan value with direct debit applies to car loans. The fee is calculated on the value of the loan, and the stated terms apply when payments are made by direct debit. Ask for the charge in writing before signing, since the amount follows how much you borrow.

How much can I borrow and for how long?+

Loan amounts run €5,000 to €111,000 and terms run 12 to 84. That covers a modest car as well as a larger vehicle, and the longest term spreads repayments over more years. What you are offered depends on the eligibility check on income and residence.

Who can apply for a loan?+

Applicants must be adults in regular full-time employment who are residents of MT. Non-Maltese nationals need a period of residence in Malta before they can apply, so the lender does not serve borrowers living in other markets. Car and personal loans share the same rules.

Can I repay the loan early?+

Free early repayment is available, so clearing the balance before the term of 12 to 84 has run costs nothing extra. On a fixed-rate loan, paying off sooner simply reduces the total interest, which makes the loan easier to plan around if your income changes.

How quickly is a decision made?+

Applications go straight to Finance House p.l.c., which lends as a direct lender rather than a broker, so nothing is passed on to a third party. The first review is quick and excludes Sundays and public holidays, which matters if you are buying to a dealer deadline.

Who regulates the lender?+

Finance House is supervised by the Malta Financial Services Authority, and it is headquartered in Malta. It is a direct lender, so the borrower and the funder are the same company throughout, and the published representative example sets out the full cost of a fixed-rate car loan.

What kinds of loan are on offer?+

The lender covers car and personal loans, so a car purchase and a personal loan come from the same company. The rates and the banking fee are published for car finance, and both products run through the same income and residence eligibility rules.

Sources

  • financehouse.mt checked September 26, 2026

    Backs: Legal entity, Licences

    “Finance House p.l.c. is a financial institution regulated by the Malta Financial Services Authority under the Financial Institutions Act (Cap 376 of The Laws of Malta)”

  • financehouse.mt/about/who-we-are checked September 26, 2026

    Backs: Founded, Lender type, Loan types

    “Finance House plc was incorporated and licensed by the Malta Financial Services Authority in January 2013 as a lending institution”

  • financehouse.mt/financing-products/cars checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “finance a new or used car up to a value of Euro 111,000 / Minimum loan value EUR5000”

  • financehouse.mt/help/contact-us checked September 26, 2026

    Backs: Headquarters, Support channels

    “Finance House plc., Valley Road, Msida, MSD 9020”

  • financehouse.mt/help/faqs checked September 26, 2026

    Backs: Free early repayment

    “Yes, you may repay your loan early without incurring any additional fees.”

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

Not confirmed yet: Credit check.

Finance House plc

Malta-based car buyers in full-time work who want a fixed rate and free early settlement.

9.1/10See alternatives