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Zmarta FI 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

Zmarta FI is a Finnish loan broker that suits borrowers who want unsecured lending with nothing added for arranging it and who want to see lender offers quickly. The origination fee is 0 EUR, offers come back straight after you apply, and the rate is 4.5% to 38%.

Key facts

Best for
Finnish borrowers with steady income who want a broker to compare lenders for them.
APR
4.5% to 38%↗
Loan amount
€1,000 to €70,000↗
Term
12 to 180 months↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
First loan offers are received right after the application is sent↗
Representative example
Unsecured loan of EUR 20,000 over 7 years 7 months, monthly instalment EUR 330, total cost EUR 29,987, effective annual interest rate 12.1%↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
At least 20 years old, regular salary or pension income, no payment default entries, permanent place of residence in Finland↗
Loan types
Personal, Debt-consolidation, Business, Car, Guarantor↗
Use cases
Home-improvement↗
Legal entity
Freedom Rahoitus Oy (FI 2207313-9)↗
Headquarters
Finland↗
Founded
1999↗
Support channels
Phone, Email, Chat, Help-centre↗
Official website
zmarta.fi

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.com

Pros and cons

Pros

  • Nothing to pay for arranging the loan, since the origination fee is 0 EUR.
  • Lender offers come through quickly once an application is submitted, so comparing takes little time.
  • Early repayment is free, so clearing the balance ahead of schedule costs nothing extra.
  • Support covers phone, email and chat for questions before and after signing.

Cons

  • The rate is variable, so the monthly instalment can move with the market.
  • Applying means a hard credit check, so the enquiry stays on your file.
  • Eligibility is limited to people with a regular salary or pension income and a permanent place of residence in Finland.
Zmarta FI

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Adults with a regular salary or pension income and a permanent place of residence in Finland
  • People consolidating existing debts into one repayment
  • Households funding home improvement with an unsecured loan

Who should look elsewhere

  • Borrowers outside Finland, since eligibility asks for a permanent place of residence there and the service is based in Finland
  • Anyone wanting a fixed rate, since the rate here is variable rather than fixed
  • Readers shopping elsewhere in Europe, where Cashspace at PHP 12 to PHP 36 and Sofkredit at 10.74% to 18.06% sit in other markets

Deposit protection

The representative example shows an unsecured loan repaid in monthly instalments, with the total repaid higher than the amount borrowed once interest is added across the term. As a broker rather than a lender, the money itself comes from whichever partner approves your application, so the terms in that example are a guide rather than a promise.

The company behind it

The service runs under Freedom Rahoitus Oy (FI 2207313-9), based in Finland, and has been trading since 1999. That legal entity is the name on the terms, so it is worth checking which partner ends up as your lender before you sign. Support runs on phone, email and chat, so you can reach phone, email, chat and a help centre while comparing and after the loan starts.

How Zmarta FI compares

Where Zmarta FI is available

Available
Finland

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

Frequently asked questions

What does Zmarta FI charge to set up a loan?+

The origination fee is 0 EUR, so setting the loan up adds nothing on top of the amount borrowed. What you pay is interest, and the representative example shows the total repaid running above the sum borrowed over the term. Clearing the balance early is free.

What rate and term will I get on a Zmarta FI loan?+

The rate sits at 4.5% to 38% and the borrowing period runs 12 to 180. A longer term lowers the monthly instalment but raises the total repaid, so the representative example is worth reading as a guide to what a full term costs. The amount offered depends on your income and credit history.

How much can I borrow and what for?+

Loans run €1,000 to €70,000 over a term of 12 to 180, and the listed purpose is home improvement. Personal, debt consolidation, business, car and guarantor loans are all covered, so the same application can cover several needs. The amount you are actually offered depends on the lender that approves you.

How quickly do offers arrive after applying?+

Offers from lenders come back as soon as the application is submitted, so the comparison itself moves quickly. That step includes a hard credit check, which means the enquiry is visible to other lenders. Once you accept an offer, the payout timing follows the lender rather than the broker.

Is the rate fixed or variable?+

It is variable, which means the rate can move during the term and the monthly instalment follows it. That suits borrowers whose income is likely to rise and who value the flexibility. Borrowers who want a fixed payment for the whole term should read the variable rate carefully before applying.

Does Zmarta FI lend the money itself?+

It works as a broker, comparing lenders rather than lending its own money, so the terms you get depend on which partner approves you. The service is provided by Freedom Rahoitus Oy (FI 2207313-9), based in Finland. You repay the lender that issues the offer rather than the broker.

Can I repay the loan early?+

Yes, early repayment is free, so you can clear the balance ahead of schedule without a charge. That shortens the interest you pay, which is the main reason to finish sooner even though the term is set. Support on phone, email and chat can confirm the figures before you make a lump sum payment.

Who can apply and how do I get help?+

Applicants need to be adults of a minimum age, with a regular salary or pension income and a permanent place of residence in Finland. The eligibility rules also look at past payments, so check your record first. Support runs on phone, email and chat, so phone, email, chat and a help centre are all available.

Sources

  • zmarta.fi/ehdot/lainavalityspalvelu checked September 26, 2026

    Backs: Credit check, Headquarters, Legal entity, Lender type, Arrangement fee

    “Kun haet meiltä lainatarjousta lainanvälityksen muodossa, pyydämme luottorekisteriotteesi luottotietoja välittävältä yritykseltä/yrityksiltä (kuten Bisnode D&B Finland Oy:lta ja/tai Suomen...”

  • zmarta.fi/lainaa-ilman-vakuuksia checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Rate type, Representative example, Term

    “Zmartan kautta voit vertailla vakuudettomat lainat 1000 - 70 000 euron lainasummien väliltä”

  • zmarta.fi/lainaa-rahaa checked September 26, 2026

    Backs: Funding time, Loan types, Use cases

    “Ensimmäiset lainatarjoukset saat hakemuksen lähettämisen jälkeen.”

  • zmarta.fi/ota-yhteytta checked September 26, 2026

    Backs: Support channels

    “Puhelin: 09 4241 4444 Sähköposti: info@zmarta.fi ... Tavoitat meidät myös chatista 9.00 - 15.00.”

  • zmarta.fi/tietoa-meista checked September 26, 2026

    Backs: Founded

    “Zmarta on yksityis- ja yrityslainojen sekä sähkösopimusten ja vakuutusten vertailupalvelu, joka on perustettu vuonna 1999.”

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

Zmarta FI

Zmarta FI

Finnish borrowers with steady income who want a broker to compare lenders for them.

9.2/10See alternatives