The interest rate starts at 9,9 % and it decreases by 0,1 % points per month – down to 2,9 % when you pay your instalment on time.

Even if your payment is a little late, you benefit from the decreasing interest next time you pay on time.

All traditional loans have a fixed interest rate, but we at Fixura, reward customers who make their payments on time. We think this is fair.

What our customers say

This is how it works..


Fast application

The application couldn’t be any simpler. The only thing you need to do is to identify yourself with internet bank codes and share your bank account details with us so that we can make an evaluation on your application. You will get an offer immediately without any attachments, no need for clarifications or unnecessary questions.


We are a reliable Finnish company; we have been mediating Peer-to-Peer loans for more than 10 years. Fixura has a AA+ credit rating and holds Finland’s strongest Platinum certificate, these prove our reliability and security.



Our loans are cheap for good customers, who get loans with decreasing interest. If you get a loan from us with decreasing interest, we will reward you for paying on time. Your interest rate will decrease every month when you pay your installment on time.

You can be granted a loan from us if..

You are at least 21 years of age

You have internet bank codes with a Finnish bank
You have regular income and a clean credit history

You have been living regularly in Finland for the past 2 years

Peer to Peer lending

Peer to Peer lending P2P lending is an ancient way of lending funds – as long as there has been money, people have been lending to each other. This is what P2P-lending is all about. Fixura brings together people who have the need for money and investors who have money to lend. Fixura takes care of all the paperwork. The lenders and investors stay anonymous to one another.

Loans for various needs

Apply for a loan with us, there is no need for any collateral or guarantors. This means that you can easily fund a home repair or a dream holiday. The term for the loan can be up to 72 months; this means a lower monthly instalment for you.

Combine your loans and save

You can easily combine your current loans to only one loan from us and save on your monthly expenses. By combining with Fixura’s loan, you will save on your monthly fees and interest charges and you will be able to pay off your loan quicker.

Do you have questions about the loans?

Customer support

+358 6 361 2111

Apply for a loan. It takes only a few minutes.

Choose amount and loan period
to be transferred
60 mo
loan period