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Sortter review

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

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Our verdict

Sortter suits Finland-based borrowers with regular income, a good credit profile and plans for personal, consolidated or business borrowing. Loan amounts of €1,000 to €70,000, APR of 4% to 20%, a free origination fee and quick funding make it a flexible broker-led option, although its hard credit check may rule out some applicants.

Key facts

Best for
Flexible personal or business borrowing with flexible repayment.
APR
4% to 20%↗
Loan amount
€1,000 to €70,000↗
Term
12 to 240 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Usually the same day, at the latest within two business days↗
Representative example
20 000 EUR loan at 6% interest over 10 years, opening fee 0 EUR, account fee 5 EUR/month: 227 EUR monthly instalment, 27 245 EUR repaid in total, effective annual rate 6.69%↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Live in Finland, have regular salary or pension income, be at least 18 years old and have no payment defaults; partners accept applicants only with a Finnish personal identity code↗
Loan types
Personal, Debt-consolidation, Credit-line, Business↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Sortter Oy↗
Headquarters
Finland↗
Founded
2018↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding, Credit line
Official website
sortter.fi

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInXyoutube.com

Pros and cons

Pros

  • Personal loans, debt consolidation, credit lines and business loans are available through personal, debt consolidation and credit line.
  • Borrowing ranges from €1,000 to €70,000 with terms of 12 to 240.
  • Personal and business borrowers pay an origination fee of 0 EUR.
  • Funding usually takes Usually the same day, at the latest within two business days, and early repayment is free.

Cons

  • The credit check is hard, so applicants need a good credit profile under good.
  • The representative example includes a monthly account fee.
Sortter

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Cashspace may suit borrowers comparing a different market and an APR of PHP 12 to PHP 36.
  • Creduma ES may suit applicants seeking a loan amount from from €12,000.

Who should look elsewhere

  • Sofkredit may be worth checking for an alternative offer with APR of 10.74% to 18.06%.
  • Applicants concerned about hard credit checks may prefer to consider this limitation before applying.

How Sortter compares

Where Sortter is available

Available
Finland
Licence in Finland
Finanssivalvonta (insurance intermediary register), checked September 26, 2026

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

Frequently asked questions

What loan amounts and terms does Sortter offer?+

Sortter offers loan amounts of €1,000 to €70,000 and terms of 12 to 240. The available choices depend on the applicant's circumstances, the selected lending offer and the terms agreed with the provider.

What APRs are available through Sortter?+

The stated APR range is 4% to 20%. As Sortter is a broker, the final cost may reflect the offer made by the selected provider, so the terms shown to an applicant are important.

Is there an origination fee?+

The stated origination fee is 0 EUR for personal and business borrowing. The representative example also has no opening fee, but borrowers should still check the final offer before accepting it.

How quickly could a loan be funded?+

Funding usually takes Usually the same day, at the latest within two business days. Applicants need to complete the relevant checks and meet the provider's requirements before money is released.

What credit check does Sortter use?+

Sortter uses a hard credit check under hard, and the stated credit requirement is good under good. Applicants should be comfortable with a formal credit assessment before proceeding.

Who can apply through Sortter?+

Applicants must live in Finland and have regular salary or pension income. They must also be adults, have no payment defaults, and partners applying through Sortter need a Finnish personal identity code.

Can I repay a Sortter loan early?+

Yes. Free early repayment is available, giving borrowers more flexibility if their income or planned expenses change. The facility can also include a credit line alongside other loan types under personal, debt consolidation and credit line.

How can I contact Sortter?+

Support is available through email, phone and help centre. These channels provide alternatives for questions about a loan application, eligibility or the borrowing terms offered.

Sources

  • sortter.fi checked September 26, 2026

    Backs: Credit needed, Lender type

    “Puhtaat luottotiedot ovat edellytys lainan saamiselle”

  • sortter.fi/kayttoehdot checked September 26, 2026

    Backs: Credit check, Legal entity, Support channels, Licences

    “me tai yhteistyokumppanit ... voivat kysya tai taydentaa sinua koskevia tietoja positiivisesta luottotietorekisterista”

  • sortter.fi/usein-kysyttya checked September 26, 2026

    Backs: Eligibility, Features, Free early repayment, Funding time, Loan types

    “Voit hakea lainaa Sortterin kautta, mikali asut Suomessa, sinulla on saannolliset palkka- tai elaketulot, olet vahintan tysi-ikainen, eika sinulla ole maksuhairioita.”

  • sortter.fi/vakuudeton-laina checked September 26, 2026

    Backs: Loan amount, APR, Arrangement fee, Representative example, Term, Use cases

    “Vakuudeton laina pahnkinanuoressa Sortterin palvelussa: Lainasumma: 1 000-70 000 euroa”

  • sortter.fi/yritys checked September 26, 2026

    Backs: Founded, Headquarters

    “Suomalainen lainavertailupalvelu Sortter sai alkunsa vuonna 2018”

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

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