Finnu is built by thinking about people first

At Finnu, we are always thinking of our customers first.

This is why we are fully digital and smartphone, based and can reach people far beyond the scope of brick and mortar businesses. Check out how Finnu works!

Easy and simple

With the explicit permission and full consent of our users, we are leveraging alternative data points and the most recent technologies to deliver affordable and flexible credit to our users, and, ultimately, empower them to grow in life.
Finnu doesn't want to make you deal with paperwork or complicated applications.

Simply make your request from your cellphone and it will be processed in a few minutes.

How Finnu works

#1 Download the Finnu app

Use your Android phone to download our app from the Google Play store. Once installed, we immediately identify your phone and check whether it’s one of the supported phones .

#2 Apply for your loan

If your phone is eligible, we ask you to answer a few simple questions in less than a minute and send you a personalized loan offer within minutes.

#3 Receive the loan amount

Once you accept the loan offer, we will immediately transfer the loan amount to your bank account.

#4 Repay the loan amount

Make your installment payments directly through our mobile app or repay at one of the many shops nearby.

Finnu offers a lot of benefits

With Finnu, applying for and repaying a loan couldn’t be easier. Here is what users love about Finnu

100% flexible and transparent

You decide how and when you want to make your installment payments. Also, there are no hidden fees or late fees - we only charge interest rates for our loans.

Rewarding good borrowers

Paying your loan on time will not only help to create a good credit score, but will step-by-step give you access to bigger loan amounts.

Fully digital and fast

Finnu is 100% phone based, avoids paperwork and applying for a loan only takes a few minutes. Our goal is to give you a positive answer within the same timeframe.

We accompany you throughout the loan period. And beyond.

Keeping track of your installment payments can be difficult and sometimes leads to people missing out on payments. Finnu has your back! We send you notifications so you can keep track of your payments and avoid that your device gets locked.


At Finnu, we believe that transparency and simplicity makes everyone’s life easier. That’s why we don’t use any complex or technical words and are straightforward with our fees - we only charge interest rates.

Loan amounts





Monthly interest rates

3% – 15%

Equivalent APR

36% – 435%

Loan terms

91 - 120 days


Your data remains your data

The data you share with us is fully encrypted and remains your data - we never sell it to third parties. Guaranteeing your privacy is as important to us as providing you the best experience possible. We are working 24/7 to make sure that you don’t have to worry about anything.