Tariffs and prices
Borrowers get the first 5 listings FREE. Investors always pay — the fee filters out unreliable offers.
'I need a loan'
Looking for a private person who would lend money
'I invest in P2P loans'
Offering loans to private individuals (investor)
What Premium includes
Same for both roles
- ✓Top-3 placement in category list
- ✓Gold border and distinct design
- ✓Valid the whole 30-day period
- ✓Ordered by newest payment date
Why the tariffs differ
Investors are the system's paying and professional side — a higher price filters out fraudulent offers and ensures quality. Borrowers are often in a tighter financial spot — their tariff is lower.
⛔ Payments are non-refundable. Both fees (listing fee and Premium) are final. The service is delivered at the moment of payment.
Always free:
- ✓Account registration (magic link, no password)
- ✓Browsing all listings (anonymously)
- ✓Filters and search
- ✓Sending a contact request to private listings
- ✓Approving/rejecting incoming requests
- ✓Managing, closing, deleting your listings
Payment methods
All payments are processed by Stripe Payments Europe Ltd (Ireland, PCI-DSS Level 1). Visa, Mastercard, American Express. We do not store card data — all processing is on Stripe's side.
Frequently asked questions
Why do investor and borrower tariffs differ?
Investors are the more professional side — a higher price (€10 / €20) filters out unreliable offers and keeps quality high. Borrowers are usually in a tighter financial spot, so their tariff is lower.
Is this a subscription?
No. Every payment is one-time. After 30 days the listing expires and you decide whether to publish a new one. Your card is never auto-charged.
What is Premium?
Premium pushes your listing to the top-3 of its category by newest payment. After you fall out of the top-3, the listing stays in the normal list with a gold border for the full 30-day period.
Will I get a refund if I close my listing before 30 days?
No. The fee is final — the service is delivered at the moment of payment, including Stripe-side card verification.
Is Vertaislaina24 a lender or credit intermediary?
No. Vertaislaina24 is only a classifieds board. We do not grant loans, do not mediate financing, and do not charge interest. All contracts and money transfers happen directly between users.
Can I publish a listing right now?
Yes. The service is live: sign in with your email (magic link), fill in the listing and publish. Borrowers get the first 5 listings free, then €3 (Premium €6). An investor listing is €10 (Premium €20). Payment goes through Stripe-secured checkout and the listing stays active for 30 days.
The whole price list in one paragraph
Browsing costs nothing and needs no account. Publishing costs a one-off fee: borrowers get their first five listings free and pay €3 after that, investors pay €10 from the first listing. Premium doubles the fee and lifts the listing into the top three of its category. Every listing runs for thirty days and then expires by itself — there is no subscription, no renewal and no commission on any loan.
That is the entire commercial model. The rest of this page explains why it is shaped that way, what the fee does not buy, and when publishing is not worth doing at all.
Prices by role and tier
| Role | Standard listing | Premium | Duration | Free listings |
|---|---|---|---|---|
| Borrower — I need a loan | €3.00 | €6.00 | 30 days | first 5 free |
| Investor — I invest | €10.00 | €20.00 | 30 days | none |
| Business as borrower | €3.00 | €6.00 | 30 days | same as private |
| Browsing and enquiries | free | — | always | no account needed |
One-off charges. Nothing is billed again unless you publish again.
The asymmetry between the two roles is deliberate and is explained below. If you want to see what is currently being asked for before deciding, the listings board is open without registration.
What the fee buys — and what it does not
The fee buys placement and thirty days of visibility in front of an audience that is specifically looking for private lending, on either side of the transaction. That is the entire product.
It does not buy a result. We do not promise enquiries, we do not promise an agreement, and we do not verify the person behind any listing. There is no scoring, no escrow, no arbitration and no collection service standing behind the board. Vertaislaina24 does not grant loans and does not intermediate them — the position is set out in full on the legal status page.
Saying this plainly matters, because classifieds services in this sector are sometimes marketed as though the fee purchased safety. It does not. What protects you is the counterparty check you do yourself and the written agreement you sign, covered in loan agreement terms.
The first five listings are free
A borrower account gets five free publications across the lifetime of the account. The counter does not reset monthly. Once the five are used, the sixth listing costs €3.
The reasoning is straightforward: someone looking for money is by definition the side with less of it. A paywall on the first listing would filter out exactly the users the board exists for, and it would filter nothing useful, because a borrower listing is not a viable fraud vehicle in the way an investor listing is.
Use the free publications carefully anyway. Five is generous if the listing is written properly the first time, and it disappears quickly if the same request is republished with small edits instead of being rewritten.
Why the investor side pays from the first listing
Ten euros is not a revenue decision, it is a filter. On private lending boards across Europe the fraud pattern is remarkably consistent: it comes from the side that claims to have money, not from the side that needs it.
It breaks the volume model
Advance-fee fraud depends on posting cheaply and often. A charge per listing makes the arithmetic fail for the fraudster while barely registering for a genuine lender.
The stakes are not symmetric
A borrower risks their own situation; an investor risks someone else asking for money they cannot repay. The price signals that the offering side is expected to think harder.
The return sits on that side
An investor comes here for interest income, a borrower for necessary funding. Ability to pay a listing fee differs accordingly, and the price follows it.
Payment, receipts and refunds
Payments are processed by Stripe Payments Europe Ltd (Ireland, PCI-DSS Level 1) and accept Visa, Mastercard and American Express. Card details are never stored on our side; the whole transaction happens in Stripe.
A receipt is emailed immediately after payment to the address the account was created with, and it carries the service provider details. For a business the charge is an ordinary marketing expense.
Fees are not refunded. The service — publication — is delivered the moment the listing appears, and the outcome does not depend on us. The one exception is a technical failure: if a paid listing did not go live, we either refund it or republish it at no charge. If a listing is removed for breaking the rules, no refund is due; the rules are in the terms of use.
Thirty days, then it expires by itself
A listing is active for thirty days from publication and then disappears from the board automatically. Nothing is charged again, and renewal is always a separate, deliberate decision.
The length is a compromise. A shorter period does not collect enough enquiries; a longer one fills the board with requests that were resolved elsewhere weeks ago. A stale listing is worse for the reader than an empty list, because it wastes the one thing a reader is spending here — attention.
A listing can be closed early at any time, for example when financing has been arranged. Closing is free, but the paid period is not credited back.
How platform pricing compares
A P2P platform charges on an entirely different basis. The borrower pays an arrangement fee and often a monthly fee; the investor pays a service fee out of the return. Because these are percentages, they scale with the loan.
| Model | Who is charged | Basis of the charge | Scales with loan size | What you get for it |
|---|---|---|---|---|
| Classifieds board | the person publishing | flat fee per listing | no | visibility only |
| P2P platform | both sides | percentage of loan and return | yes | scoring, payments, collection |
| Bank consumer credit | the borrower | interest plus fees in the APR | yes | full service and regulation |
Per-platform detail is on the Fellow Finance, Fixura and AuroraX pages.
This is a comparison of different products rather than different prices for the same one. A platform absorbs work and risk that a board leaves with the parties, and for many people that is worth paying for — the trade-off is spelled out in the P2P loan guide.
The cost of the whole arrangement
The listing fee is rarely the only cost of a private loan done properly, even though it is the only one we charge. Documentation is free if a template is used, witnessing is cheap, and notarisation only makes sense on larger sums.
The expensive items appear only when something goes wrong. Late-payment interest under the interest act, collection charges and, at the end of that road, court costs and a default entry dwarf every other figure on this page. Sizing the loan correctly is therefore worth far more than optimising the listing fee — the arithmetic is in the loan calculator.
When publishing is not worth it
- When the monthly instalment does not fit the budget with a buffer — check before paying, not after.
- When the counterparty is already found and only a contract is missing; then you need the clause list, not a listing.
- When the amount is very large and no security can be offered, which realistically limits the response.
- When the same request has already been published twice without a single serious reply — the text is the problem, not the exposure.
- When the credit record is the obstacle and expectations have not been adjusted; read borrowing with a payment default first.
Making the fee pay for itself
A listing either collects serious enquiries in the first days or it collects nothing. The difference is almost always the text, and the fixes are cheap.
- Give an exact amount instead of a range, and one sentence on what it is for.
- State the repayment schedule in dates rather than in phrases like a few months.
- Name the income source and how long it has been stable.
- Mention security or a guarantor if there is one, and say plainly if there is not.
- Check the instalment with the calculator before publishing so the numbers survive the first question.
- Read a few live listings on the board to see what the current asks look like.
What to settle before you pay
Almost every wasted listing fee traces back to a decision that was skipped rather than made. Four questions are worth answering on paper before the payment screen, because each of them changes what the listing should say.
First, the amount. Not the amount that would be comfortable, but the smallest amount that solves the actual problem — smaller requests are answered far more often than large ones. Second, the term, which drives the instalment more than the interest rate does; the arithmetic is in the loan calculator.
Third, the security. A guarantor, a pledged vehicle or even a short term all lower the rate a counterparty will accept, and all of them belong in the listing text rather than in the third message of a negotiation. Fourth, the credit record. If there is a payment default entry, decide in advance how it will be worded — the honest framing is discussed in borrowing with a payment default, and it works considerably better than letting the fact surface late.
Once those four are settled the listing writes itself in ten minutes, and the fee stops being a gamble. If any of them cannot be answered, the money is better spent later — read what peer-to-peer lending is and the risks involved first, then come back.
Publishing step by step
- Sign in to your account with an email link — no password is needed.
- Choose the role: borrowing or investing.
- Fill in amount, term, rate expectation, region and a short description of the purpose.
- Pay the listing fee, or use a free publication if you have any left.
- Answer enquiries promptly — the first three days carry most of the traffic.
- Put the agreement in writing before any money moves; start from the required clauses.
Where the yardstick comes from: statutory numbers
A listing fee is hard to judge without a reference point. Two exist, and neither is an estimate. The first is what Finnish law allows a consumer credit to cost. The second is what a flat fee amounts to as a share of the sum being borrowed. Both can be checked at source.
| Item | Limit | Act |
|---|---|---|
| Interest cap on consumer credit | 20 % per year at most | Consumer Protection Act 38/1978, ch. 7 s. 17 a |
| Cap on other credit costs | €0.01 per day, €150 per year at most | Consumer Protection Act 38/1978, ch. 7 s. 17 b |
| Late payment interest with no clause | reference rate plus 7 percentage points | Interest Act 633/1982, s. 4 |
| General limitation period for a debt | 3 years | Act on the Limitation of Debts 728/2003, s. 4 |
Source: Finlex, the Finnish legislative database, finlex.fi. Checked 4 August 2026. The interest and cost caps apply to consumer credit granted as a business — not to a one-off loan between two private individuals.
The second reference point is arithmetic rather than law. A €3 borrower listing is 0.10 % of a €3,000 loan and 0.30 % of a €1,000 loan; a €10 investor listing is 0.20 % of a €5,000 placement. A flat fee does not grow with the sum, whereas platforms normally take an origination fee as a percentage of the loan, so their cost rises with the amount — the per-platform figures are on the Fellow Finance and Fixura pages. Note that this is our own calculation, not a lender offer and not a promise about the price of any loan.
On supervision: companies that grant consumer credit or broker peer-to-peer loans as a business must appear in the register of lenders and peer-to-peer loan brokers maintained by Finanssivalvonta, and marketing is supervised by the Consumer Ombudsman at the Finnish Competition and Consumer Authority (kkv.fi). Vertaislaina24 is in neither category, because it neither grants nor brokers loans — the boundary is set out on the legal status page.
Listing requirements: what must be in place before publishing
Paying is not the only condition. Every listing passes a light check before it appears, and that check is about form, not about whether the claims are true. Four requirements are absolute.
An account and a working email address
Listings are published from your account, which opens with an email link rather than a password. The address has to be yours: the receipt and every reply travel through it.
An amount and a term, as figures
The listing must state a sum in euros and a repayment period. «To be agreed» is not a term — without figures a reader cannot price the risk and simply moves on. Check the instalment on the calculator first.
Adult, acting for yourself
You must be 18 and posting in your own name. Posting on someone else’s behalf without authority is not allowed, because the party to the contract is the person named in the listing.
No advance-fee demands
A listing that asks the other side for a handling, insurance or notary fee before the loan is paid out is removed every time. The warning signs are collected on P2P lending risks.
Advantages and drawbacks of a paid listing
A flat publication fee cuts both ways, and it is worth knowing both sides before paying rather than after.
Advantages
The fee filters out bulk posting, so the board carries less noise and the replies are more considered. The price does not scale with the loan, so a large request costs no more than a small one. It is a one-off charge that never turns into a subscription, and the receipt is an ordinary marketing expense for a company.
Drawbacks and limits
You pay before any result, and no result is promised: replies depend on what the listing says and on demand, not on the fee. The thirty days run out whether or not anything happened, and unused time is not credited. On very small loans the fee is proportionally at its largest.
Who should not pay yet
If the amount and the schedule are still undecided, the listing goes up too early and the period burns through empty. If the money is meant to repay other debts and there are already several creditors, the right address is municipal financial and debt counselling, not another listing.
When the fee pays for itself
A single percentage point of interest on €3,000 over twelve months is worth more than the whole fee. If the listing produces two comparable offers, the fee has already been recovered in the first negotiation.
If the payment fails or the listing is rejected
Two different situations are easy to confuse. A failed payment is a technical event: the listing is not published and nothing is charged. A rejection in review happens before publication, so the listing never went live — the same rule applies as for a technical failure: the fee is refunded or the corrected listing is published at no extra charge. Removing an already published listing for breaking the rules is a different matter and carries no refund.
The third case is the most common and is neither of those: the listing is live but nobody writes. The problem is then in the content, not in the payment, and the fix is almost always the same short sequence.
- The card was declined: check the authorisation and the bank confirmation, then try again from the same account. No double charge can occur, because a listing is only published after a successful payment.
- The listing was rejected in review: the reason is sent by email. The usual ones are a missing amount or term, contact details only inside an image, or an advance fee demanded from the other party.
- Fix it and publish again. A rejected listing never went live, so no charge stands for it — if one has already been taken, write to support.
- The listing is live but silent: halve the amount, write the due dates as dates, and add one concrete piece of evidence of ability to pay. The wording is worked through on P2P loan in Finland.
- If applications are refused everywhere and several debts are already open, stop looking for credit and contact municipal financial and debt counselling. It is free and statutory — the alternatives are set out on a P2P loan with no credit check.
Frequently asked questions
Is the fee charged again after thirty days?+
No. The charge is one-off and the listing expires automatically. Publishing again requires a new, separate payment.
Are the five free listings monthly?+
No. They are per account for the lifetime of the account. After the fifth, a listing costs €3.
Can I upgrade an existing listing to Premium?+
Yes. Premium can be added to an active listing and runs to the end of the original thirty-day period. Downgrades are not credited.
Do you take a commission on the loan?+
No. We charge only for publishing. Interest, repayments and any collection happen directly between the parties, with nothing going to us.
Do I get a receipt for accounting?+
Yes, by email immediately after payment, including the service provider details. For a business it is a normal marketing expense.
What if I delete the listing early?+
It disappears from the board immediately. The paid period is not refunded, because publication has already taken place.
Does paying more improve my chances of getting a loan?+
Only marginally, and only through visibility. Premium puts the listing in front of more people; it does not make the request more convincing. A well written standard listing consistently outperforms a vague Premium one, so spend the effort on the text first and read how listings are read before upgrading.