02.09.2026

1. Introduction

When you use the omalaina.fi service (on the website www.omalaina.fi, by telephone, or in another way), either Sambla Group Oy or Sambla Group AB acts as the service provider:

• If you use the consumer credit, credit card, or business loan brokerage service, the service is offered by Sambla Group Oy.
• If you use the brokerage service for insurance products, the service is provided by Sambla Group AB. Sambla Group AB has a cross-border license granted by the Swedish Financial Supervisory Authority (Finansinspektionen) to broker insurance products also on the Finnish market.

Below in these Terms of Use, ”Sambla” refers to either Sambla Group AB or Sambla Group Oy, depending on which Service you use as described above.

We offer consumer credit, credit card, business loan, and insurance brokerage (hereinafter referred to as ”Services”). This means that we can broker credits, credit cards, business loans, and insurance for you. When you apply for a credit, credit card, or business loan through Sambla, you get the opportunity to compare offers from lenders and credit card issuers with whom we cooperate.

A business loan is intended solely for the applicant's trade or business activities, and not for the private consumption of the applicant or their close associates.

By using one of our Services, you agree that these Terms of Use apply to the relationship between you and Sambla. A potential co-applicant must also be aware of the content of these Terms of Use and must familiarize themselves with them carefully. It is important that both you and the potential co-applicant read the Terms of Use carefully in order to fully understand them.

When you use the brokerage service for insurance products, we provide you with more information about the insurance and its terms.

1.1 Special terms for business loans

A business loan is intended for sole traders and other one- or two-person businesses seeking financing for their trade or business activities. When applying for a business loan, you represent and undertake that the credit applied for will be used solely for the stated business purposes and not for private consumption.

A personal guarantee required as security for a business loan is always given by a person with signatory authority in the company (such as the CEO, a board member, or a general partner with unlimited liability). As a person with signatory authority belongs to the management of the debtor company, such a person is generally not considered a private guarantor within the meaning of the Act on Guarantees and Third-Party Collateral, and the special disclosure obligation protecting private guarantors under that Act does not as such apply to them.

2. Our Services

By using the Services, you authorize Sambla to request credit offers, credit card offers, business loan offers, and/or insurance offers from lenders, credit card issuers, and insurance companies with whom Sambla cooperates. If you request credit or credit card brokerage, Sambla gives you the opportunity to compare offers and terms. With your consent, Sambla can choose the most suitable one from the offers you receive, if you do not make the choice yourself. Selecting or auto-selecting an offer does not automatically lead to the establishment of a credit or credit card agreement.

You never commit to accepting the credit, credit card, business loan, or insurance offers you receive. You can always decide for yourself in the end whether you want to sign a credit, credit card, business loan, or insurance agreement with the lender, credit card issuer, or insurance company.

Please note that Sambla can never give guarantees or promises or otherwise make commitments on behalf of our partners. The decision to grant credit, a credit card, a business loan, or insurance is always made by the partner in question.

3. Our Compensation

The use of the Services is free of charge for you.

If you decide to enter into a credit, credit card, or business loan agreement with one of our partners, we will receive compensation from them for having brokered the credit, credit card, or business loan. Our brokerage fee may vary depending on which lender or credit card issuer you choose.

4. Credit check and information requests

By providing information about yourself and your possible co-applicant to Sambla, you confirm that the information provided is correct and that you have permission to provide the relevant information about your co-applicant. You also accept that Sambla can obtain information on whether a potential lender or credit card issuer has agreed to offer you credit, a credit card, or a business loan, as well as information on the status of your application from lenders or credit card issuers acting as our partners in accordance with these Terms of Use.

By using Sambla’s service, you also agree that Sambla Group Oy can check your credit information from the credit registers of Asiakastieto Oy and/or Dun & Bradstreet Finland Oy (formerly Bisnode) before Sambla Group Oy forwards your information to lenders or credit card issuers. In connection with a business loan application, Sambla Group Oy may similarly check the personal credit information of both the applicant company and, where necessary, the applicant or a possible personal guarantor from the above-mentioned registers. Lenders or credit card issuers may also check your credit information from the Positive Credit Register maintained by the Finnish Tax Administration.

5. Processing of personal data

In our privacy policy available on our website, we explain how Sambla collects and processes your personal data in connection with the Services and in general, and what rights you have in relation to the processing of personal data. If you have any questions about the privacy policy, you can contact us at asiakaspalvelu@omalaina.fi.

6. Your responsibilities and Sambla’s responsibilities

Before requesting credit or credit card offers, estimate your monthly income and expenses, or, if applying for a business loan, your company's financial situation and ability to pay, as accurately as possible. In this way, you will get an estimate of the monthly installment of your credit. Take into account your own financial situation and your co-applicant’s financial situation as a whole, if you are applying for a credit with a co-applicant. Sambla provides you with credit or credit card offers made by lenders or credit card issuers. You must evaluate and check the information we provide about our partners’ offers before entering into a contract.

Sambla itself neither lends money, issues credit cards, nor offers insurance, but only brokers credits, credit cards, business loans, and insurance from our partners. The contracts you sign with our partners apply to the relationship between you and the lender/credit card issuer/insurance company. Sambla is not responsible for any damages or losses that occur if you sign or fail to sign a contract with one of our partners.

7. The grounds for submitting consumer and business customer applications to partners and consumer disclosure

As a credit and credit card broker, Sambla delivers consumer and business customer applications for credit and credit card offers to its partners. Sambla’s partners offer consumer loans, business loans, credit cards, and possible other credit services that can be beneficial to consumers and business customers. Sambla delivers consumer and business credit applications to its own partners, who are specialized in granting consumer and business credits.

From the consumer’s or business customer’s credit or credit card application, various information from the application may be forwarded to Sambla’s partners, which is or may be necessary in the assessment and approval of credit or credit cards. This information may include, for example, the applicant’s personal information such as name, address, date of birth and social security number, income and work history information, housing information, credit information, for business loans also the company’s business ID, trade name, financial figures and credit rating, and information about any personal guarantor, and information about what the credit or credit card is used for, as well as the amount of the credit, purpose of the credit, credit period, repayment plan and interest rate.

Sambla’s partners may use the information given in the application and obtained through it solely for the evaluation and approval of credit or credit cards, and they may not use the information mentioned in the application for any other purpose without the applicant’s consent.

The consumer or business customer themselves has the right to know what information about their credit or credit card application has been forwarded to the partners. The credit or credit card broker provides this information to the applicant upon request.

8. Consumer Reviews

Sambla has ensured that the reviews displayed on the website originate from consumers who have used the company’s service or services during the year preceding the collection of feedback. Consumer reviews are independently provided and published in the form in which they were collected.

Only people who have used Sambla’s services can receive a feedback or evaluation form sent by e-mail or another similar survey, the content of which can be used in consumer reviews about Sambla and their publication. The form or survey is sent to the customer after using the service. Sambla can decide unilaterally to whom it sends possible forms and surveys. Sambla can also unilaterally decide whether or not to publish the consumer review received in response.

9. Questions, complaints and disputes

You can contact Sambla’s customer service by phone at +358(0)9-42550540 or by e-mail at asiakaspalvelu@omalaina.fi if you have any questions about the User Terms. You can also contact customer service in the event that you want to prohibit Sambla from contacting you for marketing purposes. Your feedback is important to us, and if the Services and/or Sambla do not meet your expectations, we would like to know about it.

If you are still not satisfied after contacting customer service, you can contact the person in charge of Sambla’s complaints by sending an email to valitus@sambla.fi or by sending a letter using the contact information below.

In order for us to process your complaint, please attach the following information:

• name and contact information
• the service subject to the complaint
• the start date and time of the problem that is the subject of the complaint
• description of the problem
• grounds and/or evidence.

We take all complaints seriously and investigate them quickly and properly. If Sambla has investigated your complaint and you are still not satisfied with our decision, you can turn to the Consumer Disputes Board (more information about the procedure at www.kuluttajariita.fi) or the General Court and request for the matter to be investigated.

You can get consumer legal advice related to credit and insurance matters from the consumer advice service maintained by the Finnish Competition and Consumer Authority (www.kkv.fi/kuluttajaneuvonta).

The above-mentioned Consumer Disputes Board and the consumer advisory service of the Finnish Competition and Consumer Authority do not handle disputes between traders. If you applied for a business loan and are not satisfied with Sambla’s response to your complaint, the dispute will be resolved by the competent general court, unless otherwise separately agreed.

10. Contact information

Sambla Group Oy, business ID 2521965-8

Urho Kekkosen katu 5B, 00100 Helsinki

Phone: +358(0)9-42550540

E-mail: asiakaspalvelu@omalaina.fi

Sambla Group AB, Business ID (Finland) 3276421-6, Business ID (Sweden) 556974-8378

Box 5300, 102 46 Stockholm, Sweden

Phone: +46(0)770-220180

Email: kundtjanst@sambla.se

11. Amendments

Sambla reserves the right to amend and update these Terms of Use. The latest version is always available on our website www.omalaina.fi.