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What is Summarum?

Summarum is an independent, unbiased loan comparison service that helps people and businesses find the most affordable loan with a single application. What began in Finland in 2016 has grown into an international FinTech company, Summarum Media Oy, now active in dozens of countries across Europe, the Americas, Africa and Asia. We're not a lender ourselves — we work with a network of trusted brokers so you can compare consumer loans, debt consolidation, car loans, mortgages and business loans side by side, instead of applying to each provider one by one.

Using Summarum is always free. We're only paid by our partners when a customer chooses a loan, and this never affects the rates or terms you're offered. Our team brings together years of experience in personal finance, built around one simple promise: transparency, honesty and security in everything we do.

Why we're the #1 loan comparison in Finland and beyond

Summarum is a leading and trusted authority in loan comparison and other areas of personal finance. Summarum has been providing a trusted, safe, and free loan comparison service in Finland since 2016 and has rapidly grown into an international FinTech company. Summarum and our global brands, including Crediteus, Credum, Creditum, and Comparazona, have helped over 2 million people make informed personal finance decisions and find affordable loans with low interest rates. Our global reach currently covers 36 active loan markets, managed by our own regional divisions.

Why is Summarum Finland's best loan comparison?

1. Popular and well-known service: Summarum is a popular, well-known, safe and trusted loan service in Finland, with thousands of users every month. In May 2024 alone, the site had over 200,000 visitors.
2. Long track record: Summarum.fi has operated in its current form and ownership for 8 years, since 2017.
3. Customer experience and reviews: Our overall reputation is strong and feedback is mostly positive. We keep improving the service based on the feedback we receive, and hold an above-average rating of 4.4/5 on Trustpilot.
4. Number and reliability of partners: We work with several loan brokers, so our service covers more banks and finance companies than a single broker could offer alone, giving you more chances to find a competitive loan offer. Every lender reachable through our service is listed in the Finnish creditor register and supervised by the Financial Supervisory Authority (Finanssivalvonta).
5. Flexible loan amounts and terms: We offer a wide range of loan amounts from €500 to €70,000, with flexible repayment periods from 1 to 15 years.
6. Versatility: Our service helps you find the right option for many different loan needs and types, including consumer loans, flexible credit, car loans, debt consolidation loans, renovation loans and mortgages.
7. Easy application process and fast decisions: A simple, user-friendly way to apply for loan offers from multiple financial institutions with a single application. You often receive your first offers within minutes, and we've invested heavily in the site's speed, security, user experience and accessibility.
8. Transparency of terms and interest rates: Loan terms, interest rates and other costs are clearly stated, helping users compare the real cost of a loan. Offers never include hidden fees or conditions.
9. Free of charge: Using the service is free and never obligates you to accept any loan offer. We're paid by our partners instead.
10. Customer service: Our customer service helps with any question related to loans and applying for one. The site also features extensive, up-to-date content and answers to frequently asked questions, updated regularly.
11. Domestic service: Summarum is a Finnish-owned service developed in Finland, following local regulations and data protection practices, and has been awarded the Finnish "Avainlippu" (Key Flag) mark for domestic products.