Ferratum Oyj engages in the provision of mobile consumer loans. It product portfolio includes Microloans, PLUS loans, Credit Limit and FerBuy. Ferratum operates through the West and East geographical segments. The West segment includes Australia, New Zealand, Canada, United Kingdom, Spain, Netherlands, Sweden, Denmark, Germany and Finland. The East segment comprises of Estonia, Lithuania, Latvia, Poland, Czech Republic, Slovakia, Croatia, Bulgaria, Russia and Romania. The company was founded by Jorma Olavi Jokela in 2005 and is headquartered in Helsinki, Finland.