Service break in the Positive credit register's e-service and APIs on 7 January 2026 from 7 am to 9 am. See the service break schedule.

Service break in the stakeholder testing environment on 5 January from 11 pm to 3 pm. See the service break schedule.

Data notifiers

The table below shows the organisations that report data to the Positive credit register. Starting on 1 December 2025, the table will also include lenders reporting data to the register in the register’s second stage. In the second stage, lenders also report data on loans granted to natural persons other then consumers, such as business loans granted to business name entrepreneurs.

  • You can search for data notifiers by entering at least three letters in the search field below.
  • The results will show the following details on the organisation:
    • official name
    • Business ID
    • information whether the organisation has been accepted as a data notifier.

Search table

Progress of the reporting of second-stage loans

On this page, we collect data on the volume of second-stage loans that lenders have reported to the register. Our estimate of the total volume is €7.3 billion. The figure is based on an estimate received from the Bank of Finland. We do not have any exact information on the total volume of second-stage loans at the moment, so the volume reported and the estimate may differ greatly.

So far, approximately 0,3 % of the estimated total volume of loans has been reported to the register. The information will be updated regularly, for the second time in January 2026.

Percentage of second stage loans reported to the register so far.

  • Noja Rahoitus Oy, 2597279-7
  • WS Finance Oy, 2954832-8
  • Holvi Payment Services Oy, 2193756-4
  • AX Finans Ab, 2832363-7
  • Intrum Debt Finance AG, CHE-100.023.266
  • Danske Bank A/S, Suomen sivuliike, 1078693-2
  • Lowell Portfolio Investments 1 S.à.r.l., B241743
  • Lowell Suomi Oy, 0140351-4
  • Corona Capital Oy, 2559218-8
  • CapitalBox AB, 556695-9655
  • VFS Finland Oy, 1511187-0
  • S-Pankki Oyj, 2557308-3
  • Bigbank AS Suomen sivuliike, 2292157-2

Missing information

We maintain a list of lenders that have signed up as data notifiers but have not reported any loans to the register yet. Up until 1 April 2026, the list includes only such notifiers of first-stage loan data that have not yet reported loans to the register. You will find the list of these lenders below.

Starting on 1 April 2026, we will add to the list such organisations reporting second-stage loans that have not yet reported any loans to the register.

  • Nanolaina OY, 2302535-8
  • Vartanet Deranax Oy, 2230386-2

 

When lenders start reporting data to the register, they will be removed from the list. The list is updated on business days.

Page last updated 12/16/2025