Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Rahalaitos luottokorttikampanja review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Rahalaitos luottokorttikampanja suits adults in Finland who clear each card balance before interest starts and want rewards on everyday spending. It pays cashback at 10 points per 1 EUR spent, runs a hard credit check, and carries an APR of €17.50 to €39 for anyone who does not pay in full.

Key facts

Best for
A fee-free credit card for Finnish adults who spend, pay in full and collect cashback.
Annual fee
€0↗
APR
€17.50 to €39↗
Rewards type
Cashback↗
Rewards rate
10 points per 1 EUR spent↗
Credit needed
Good↗
Perks
Travel insurance, Cancellation insurance, Purchase protection, Interest-free payment period of 45-60 days, Apple Pay and Google Pay, Free current and savings account with the Ferratum card, 10% club discounts with the Instabank card, Fully digital card↗
Card kind
Credit↗
Legal entity
Sambla Group Oy↗
Headquarters
Finland↗
Founded
2011↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Audience
Business
Official website
rahalaitos.fi

Loans

Loan amount
€500 to €70,000↗
Term
12 to 180 months↗
Arrangement fee
0 EUR (free of charge for the applicant)↗
Credit check
Hard↗
Funding time
personal loan offers within 24h, the first within a minute↗
Representative example
5,000 EUR loan over 12 months, rate about 9.56%, interest costs about 262.68 EUR↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Age 20 or over, permanent residence in Finland with a Finnish address, regular income over EUR 600 per month, clean credit record↗
Loan types
Personal, Debt-consolidation, Payday, Car, Guarantor↗
Use cases
Home-improvement↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Annual fee of €0, with no annual fee as the card model
  • Origination fee of 0 EUR (free of charge for the applicant) for applicants taking a loan through the service
  • Perks under travel insurance, cancellation insurance and purchase protection include travel and cancellation insurance, purchase protection and an interest-free payment period
  • Support runs on email, phone and help centre, and the card is fully digital with Apple Pay and Google Pay

Cons

  • The APR of €17.50 to €39 is the cost that bites once a balance is carried, and it is the weak part of the offer
  • A hard credit check runs on applications, and the card expects a good credit record
  • Support runs on email, phone and help centre only, with no live chat or social messaging listed
Rahalaitos luottokorttikampanja

Ready to try Rahalaitos luottokorttikampanja?

Scored 9.0 / 10 by SumCue.

Visit

Who it suits

  • Adults living in Finland with a regular income and a clean credit record
  • Card holders who clear balances inside the interest-free period and collect cashback at 10 points per 1 EUR spent
  • Borrowers after a quick answer, since personal loan offers within 24h, the first within a minute

Who should look elsewhere

  • Anyone after a debit-style everyday card rather than a credit card, for which Starling Personal Account Debit Card lists an annual fee of £0
  • Applicants without a clean credit record or a Finnish address, since eligibility rests on permanent residence, a regular income and a hard credit check

How it compares on our data

The card ranks 1 of 312 brands on annual fee, the strongest result in this comparison. Its APR places it 53 of 138, well down the field. Cost splits in two here: holding the card is cheap, while borrowing on it costs more than the headline ranking suggests.

How Rahalaitos luottokorttikampanja compares

Where Rahalaitos luottokorttikampanja is available

Available
Finland

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

Frequently asked questions

What does the card cost to hold?+

The annual fee is €0 and loans arranged through the service carry an origination fee of 0 EUR (free of charge for the applicant) for the applicant. The card is sold on a no annual fee basis. What costs money is the interest, so the APR of €17.50 to €39 matters for anyone who carries a balance.

Who can apply for the card?+

Applicants need to be adults with permanent residence in Finland and a Finnish address, plus a regular income and a clean credit record. The application runs a hard credit check and the card expects a good credit record, so the process suits people with a settled file.

What rewards and extras come with the card?+

Rewards are cashback and the earn rate is 10 points per 1 EUR spent. The travel insurance, cancellation insurance and purchase protection list adds travel and cancellation insurance, purchase protection, an interest-free payment period and Apple Pay and Google Pay, with a free current and savings account alongside the Ferratum card.

How quickly is money available, and can I repay early?+

Funding is quick, with personal loan offers within 24h, the first within a minute. Amounts run €500 to €70,000 and terms run 12 to 180, covering personal, debt consolidation, payday, car and guarantor loans. Early repayment is free, so a loan can be cleared sooner at no extra cost.

How does the card work day to day?+

The card is a credit card and fully digital, working with Apple Pay and Google Pay. Balances revolve rather than drawing straight down a current account. Support runs on email, phone and help centre, which covers email, phone and a help centre for questions about the account.

Who provides the service behind the card?+

The provider is Sambla Group Oy, which works as a broker and matches applicants with lenders rather than lending from one balance sheet. It was founded in 2011 and is based in Finland, with home improvement the stated purpose for the loans.

Sources

  • rahalaitos.fi checked September 26, 2026

    Backs: Credit needed, Founded, Support channels

    “Perusvaatimukset lainansaamiseen ovat saannolliset elake- tai palkkatulot seket puhtaat luottotiedot”

  • rahalaitos.fi/kayttajaehdot checked September 26, 2026

    Backs: Annual fee, Audience, Credit check, Headquarters, Legal entity, Arrangement fee

    “Palveluiden käyttö on sinulle maksutonta.”

  • rahalaitos.fi/lainaa checked September 26, 2026

    Backs: Loan amount, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Term, Use cases

    “Rahalaitos.fi kautta voit hakea lainaa 500 eurosta 70 000 euroon asti”

  • rahalaitos.fi/lainalaskuri checked September 26, 2026

    Backs: Representative example

    “Laina aika 12 kuukautta, korko noin 9,56 prosenttia, korkokulut noin 262,68 euroa”

  • rahalaitos.fi/luottokortti checked September 26, 2026

    Backs: APR, Card kind, Features, Pricing model, Perks, Rewards rate, Rewards type

    “Bank Norwegian Korko 17.5% ... Instabank Korko 19.15% - 39%”

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

Not confirmed yet: Currency conversion fee.

Rahalaitos luottokorttikampanja

Rahalaitos luottokorttikampanja

A fee-free credit card for Finnish adults who spend, pay in full and collect cashback.

9.0/10Visit