Guides
Guides, rights and agreements
Everything you need to do a private loan right: the rights of both parties, the service's legal basis, and practical guides. Vertaislaina24 is a classifieds board — we don't give loans or legal advice; we help you be seen and make the agreement smartly.
Post a listing — first one freeLegal basis and rules
On what legal basis Vertaislaina24 operates as a classifieds board, what you pay for, and what the law says.
Legal status →
Why we are not a lender or a broker — and the laws behind it.
Terms of use →
The service rules: what you pay for, what you get, whose responsibility the agreement is.
Pricing →
What a listing costs and what the fee covers. First listing free.
Privacy policy →
What data we process and how your contacts stay hidden.
Rights, duties and agreements
The rights of borrower and lender, and what a loan agreement must contain.
Borrower and lender rights →
Rights and duties of both parties, default interest, usury, what if the loan is not repaid.
Private loan safety →
Spot advance-fee scams, protect your data and make a safe promissory note.
Loan agreement examples →
Promissory note vs. consumer credit — the rate cap and the differences.
Loan agreement terms →
Principal, interest, repayment, collateral and guarantee — what to agree.
What is peer-to-peer lending →
How a loan directly between people works, and how it differs from a bank.
Situation guides
Practical guides for difficult situations. We do not promise a loan — we explain the realistic options.
Ready to try?
Post a listing in a few minutes — describe your situation honestly, a private lender decides. Your contacts stay private.