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A short-term unsecured loan is a convenient solution for sudden cash needs. When your phone or washing machine breaks down, or you just need a small amount of money immediately, a credit line is usually the right solution.

You can apply for a voucher without collateral

A voucher is well suited for quick loan needs because it can be applied for and obtained without collateral. Secured loans are usually applied for at banks, and it can take a long time to find out what the collateral is.

A voucher, on the other hand, can at best be granted within minutes of completing the application. Usually, the voucher is also paid into the account on the same day.

Always compare levers first

There are differences in interest rates and charges, so you should always compare the interest rates before taking out a loan. Through our website partners, you can easily apply for a loan and compare providers with one application.

The amount to be repaid remains reasonable when you compare the interest and charges before withdrawing the loan. Please note that the duration of the loan also has a significant impact on the total cost of the loan. In fact, a credit line is usually intended for short-term borrowing needs, and in most cases the credit line is repaid within a few months at the latest.

Expenses for vipers

The Vippi does not necessarily have a particularly good reputation, and there is a reason for that. Years ago, when the APR was not yet capped as it is today, the vip was the start of a debt spiral and a default record for many people. The reason for this was the APRs, which at the time could be hundreds, even thousands of percent.

Today, however, such loans are a thing of the past. Nevertheless, you should always calculate exactly how much you will pay back with different loan amounts.

The quiz may include expenses such as:

  • Corkage

  • Account management fee (or administrative fee)

  • Opening fee (or withdrawal fee)

  • Billing surcharge

  • Late fees (if repayment is delayed)

Some of the above charges - such as the opening fee - are billed only once, while an account management fee, for example, may be a monthly charge.

In addition, there is of course no late payment fee if the instalments are paid on time. However, you should be aware of the amount of the late payment fee so that you can choose a loan with the lowest possible fees. Sometimes life can take you by surprise and the repayment of the loan can be delayed, despite your initial plans.

The benefits of Vip

The advantage of Vip is its speed and ease of use. Vippi is usually paid into your account on the same day, and it only takes minutes to complete the loan application.

A voucher is also a loan that you can use for anything. This means that a vip is suitable for practically any quick cash need.

Today, the vippi also involves significantly less risk than it did a few years ago. In 2019, all consumer loans will be subject to a 20% interest rate cap. This cap will also limit the interest rates on fast loans. The reason for the interest rate cap is that the interest rates on the market in the past could have been significantly higher than this.

The risks of quips

Even though the annual interest rate on a voucher is now significantly lower than in the past, it is still always worth paying back the voucher on time. By paying back your loan on time, you save yourself from additional late repayment fees.

You can also usually repay the loan early without incurring extra charges. You also save on interest costs, as the loan period is shorter.

It's also worth considering whether you really need a vippi. Although it is easy to apply for a loan online, it is not wise to take out a loan on a whim. So only apply for a loan when you really need it.

Remember these when you apply for a voucher

  • You can apply for a quail for any need you want

  • While it's easy to get a quiz, always think about whether you really need it

  • The tip is usually paid immediately into the account (between 7am and 11pm)

  • It is always best to repay the loan as soon as possible

  • Always check the annual percentage rate of charge

  • Keep the loan period as short as possible

  • Budget your loan repayments in advance

Vippi: Frequently asked questions

What is the difference between a lever, a quick loan and a fast loan?

Vippi, Instant loan and quick loan mean practically the same thing. All of these refer to a small, unsecured loan.

What kind of situation is a vipp suitable for?

A voucher is the perfect loan product when you need a small amount of money for yourself a loan quickly. Usually during the day, you can get a voucher instantly in your account, and vouchers can also be claimed at any time of the day. However, please note that wagering is not usually done at night.

Will the vouchers be given to everyone?

In general, levers are no longer granted to just anyone. Many lenders require, for example, that you are over 20 years old, have a good credit history and a permanent address in Finland.

You can check the detailed conditions for the loan on the websites of our partners. If you prefer, you can also just apply for a loan and see if you are granted one.

The loan application is quick and easy to complete, and any credit is usually granted in minutes. Applying for a loan is easy, and just applying for a loan does not commit you to anything.

Can I get a voucher if I have a default record?

Most of our partners will not grant you a loan if you have a default record.

How big a tip can I get?

There is no upper limit in the definition of leverage per se, and the amount of loans available through our partners ranges from €100 to €60 000. If you wish, you can apply for a loan for more than you need.

How quickly can I get the money in my account?

You will usually receive the money in your account as soon as the loan offer is approved. Please check the terms and conditions of your voucher with your provider before accepting the loan offer.

If you have any questions about your loan after you have drawn it out and you cannot find the answer on the provider's website, the provider's customer service will help you with your questions.

What is the real annual interest rate on vippos?

The law imposed in 2019 will limit the interest rate on vouchers to 20%. Whereas in the past, the annual percentage rate of charge for short-term bills could be hundreds of percent, such bills are no longer available on the market.

Indeed, the reform of the law has virtually eliminated very small and short-term loans from the market, and it is usually better to apply for a larger loan or a flexi loan rather than a small loan.

Is it worth raising the pennant?

A quid can be a good solution to a quick cash need. However, when raising a voucher, always take into account the actual annual interest rate and the total cost of the loan.

Also, plan the term of the loan so that you can pay it back. Even if you need to withdraw the tip immediately, it's still worth taking the time to plan your repayment schedule now.

If possible, it is usually best not to spend more than 30 days on repayment. Since the law now determines how much the APR can be, even longer repayment periods are generally not unhealthy nowadays.

Why are there no small levers on the market?

The annual percentage rate of charge (APRC) on consumer loans in Finland has been capped by a new law introduced in 2019, which means that a small loan amount may no longer be profitable for lenders. As a result, lenders will want to lend larger amounts, and a small slice may simply no longer be profitable. In the past, vips with a repayment period of up to 14 days were granted.

Nowadays, it may be worthwhile to apply for a loan with a larger amount and a longer repayment period than you really need. However, you can usually repay the loan earlier than the repayment schedule suggests.

Flexible credit is also a convenient product for small loan needs. A flexible loan is a loan where the amount you can borrow is, for example, €2,000, but you can only withdraw the amount you need. So, for example, if you want to withdraw only €100 from a €2000 Flexible Loan, the interest and charges on the loan will be calculated on the amount withdrawn.

What is the loan period for the vouchers?

The duration of the loan varies between loan products. Check your loan term on the provider's website. You can also check what the annual percentage rate of charge is and how much you will pay back on the total amount of the loan.