You will need the following to complete the Flexible Credit loan application:

• A personal email address
• A Finnish phone number
• Online banking credentials for authentication.

Please note that you must have an official registered address in Finland to apply for a loan.

Verification of Income:

• We also require your most recent pay slip. Please provide the pay slip from the current or previous month, as well as a document showing your earnings from the previous year.
• For retirees, we need the latest pension certificate.
• For entrepreneurs, we need the most recent balance sheet and income statement.

Please also note that the income declared on the application should match the income we can verify from your pay slip.