Lenders can now report second-stage loans to the register and use the loan data in consumer lending. The reporting will continue until 31 March 2026. Read more in the news article.

The e-service and credit register extracts will include loans granted to business name entrepreneurs for their business activities and loans granted to agricultral and forestry operators.

Instructions on the use of the e-service

You can use the Positive credit register’s e-service as a private individual, on behalf of another persons, and on behalf of a company or an organisation.

You can view your personal loan information in the e-service. In addition, you can set a voluntary ban on credits and edit or remove the ban. The e-service also allows you to check which lenders have requested your data from the register.

Private individuals

These instructions help you when you use the service as a private individual or act on behalf of another individual. See the instructions for how to

  • log in to the e-service
  • manage a voluntary ban on credits
  • view your loans and guarantees you have provided
  • interpret the credit register extract.

The instructions consist of the following parts:

Login

Personal loan information

Guarantees provided

Credit register extract

Voluntary ban on credits

Organisations

If you need instructions on how to act on behalf of a company or an organisation, please refer to the following instructions:

Instructions for lenders on how to request a data permission

Signing up to the Positive credit register as a data notifier

Page last updated 12/1/2025