Joonko partner banks currently only offer loans if you have a regular monthly income.
Only a few banks offer loans for the self-employed and freelancers. The reason behind this is the higher risk of the self-employed person from the bank's point of view. The assessment of the financial situation is rather complex as monthly income and expenses may vary considerably over time compared to a regular monthly income. We suggest you talk to your main bank as they know your financial situation really well and are therefore in a good position to assess your creditworthiness.