Addendum for

Collaborative partner

Etsilaina cooperates with Omalaina (Sambla Group Oy) and Axolaina (Axo Finance Oy) (referred to as “partners” below). The Partners are loan intermediaries responsible for the registration, processing and mediation of your loan application. Etsilaina is solely responsible for forwarding your application to the Partners and not the lending itself. We draw your attention to the fact that we receive a commission on the basis of applications that are forwarded to our partner.

Your safety in focus

We always use encrypted security technology (HTTPS). It is your guarantee that all applications are treated confidentially and encrypted.

General conditions for Etsilaina

When you use Firstborn / Etsilaina, you simultaneously accept our cookies — and privacy policy.

Firstborn / Etsilaina transmits your loan application securely and encrypted to our Partners. Firstborn / Etsilaina are exclusively responsible for the mediation of your loan application and not the lending itself.

In connection with your loan application, a credit report from the Information Center is carried out. It doesn’t matter how many offers you get.

We are a free and non-binding service

You can use the service free of charge and without obligation. This means that you can always use us to research the market.

IMPORTANT : Your loan application is only binding once you have signed it. You also have a 14-day right of withdrawal – free of charge after you sign.


In order to give you the best possible experience throughout the loan process, we try to help you as best we can throughout the application process. Therefore, you can receive relevant information in connection with your loan application, reminders during the actual borrowing as well as relevant news and offers. You can receive information via e-mail, SMS, letter and service calls. All our communications shall be regarded as a service and may be terminated at any time by contacting us via e-mail.

Registration of data

In order to receive offers, it requires that you fill in our encrypted and secure application form.


If you have something to complain about regarding your loan, you can contact [email protected].

We would also like to hear from you if you have any feedback or comments regarding our services.


Firstborn / Etsilaina markets the service for the Partners. Firstborn / Etsilaina are therefore in no way responsible for the relationship between the lender and the borrower. Firstborn / Etsilaina cannot be held responsible on the basis of information made available. Information via Firstborn / Etsilaina or via e-mail should in no way be considered financial advice.