Personal loans

  • Up to 50.000€
  • From one to ten years
  • No guarantees

Ease of use

  • Fast and easy application
  • Loan decision in minutes
  • Full control


  • Payment insurance option
  • Payment holiday option
  • Refinancing option

Peer to Peer Loan Is the Oldest Way to Borrow

Peer-to-peer borrowing

​Fixed rate

Fixed interest rate throughout the entire loan period, no sudden surprises

Auction-based pricing in p2p


Creditworthy borrowers can borrow with lower rates due to the auction-based pricing

P2p loan is easy and fast

Easy and fast

Online service makes borrowing easy and fast and you get the loan within the same day

Payment protection insurance for peer loan


Finnish borrowers may insure their loans with Payment Protection Insurance

From a perspective of a borrower

The oldest way to borrow money is here again - we have just made it modern and easy for everyone. A peer-to-peer loan is the simplest way to borrow money and the auction-based pricing guarantees the best loan offer available. Fellow Finance does not determine an interest rate of a loan, it is done by investors on the platform. The best offer wins. After the bidding is completed, a borrower will receive a loan offer and he can decide whether he accept or reject the offer. If the borrower decides to accept the offer, he will get the loan to his bank account quickly. The loan contract will be between the borrower and the investors who have won the bidding auction of the application. The loan contract is legally binding document of the contractual relationship between the borrower and the investors who have lent money. Peer-to-peer loan is a loan from one individual to another without traditional intermediaries.

Fellow Finance does all the loan administration for lenders and borrowers and anonymity between parties involved is guaranteed. The borrower will pay monthly instalments to Fellow Finance and we account the repayments to the investors. Fellow Finance is a platform that brings together people who need financing with those who have some spare. Our user-friendly online service with simple application process without extra bureaucracy as well as the transparent auction-based pricing mechanism have made peer-to-peer borrowing a popular alternative way to borrow nowadays. Digitalization is changing financial services rapidly and online peer-to-peer lending and borrowing is at the forefront of this change.

The marketplace is open for Finnish, German, Polish and Danish consumers.