One of the key effects that I thought would give the user a great experience would be the area on the homepage where you see the large image (hero section), and the loan formula. On this hero section I would use a motion blur effect, when the user used the handle, for the amount of money they would like to borrow. Lets say the user was interested in getting a loan for car, then if the amount was 5.000 kr. it would show some really bad/nightmare of a car, but then as they moved the amount up towards the 500.000 kr. it would change the car to something better, at some preset breaking points. The handle itself would also have its own animation for the amount, example from Google's Material Design. (under discrete slider - normal version) These are just some of the animations/effects I have been thinking of using for the Pengi website.
By using these minor animations and effects it would, in my opinion, enhance the users experience greatly. They get a reaction, when they react - mouse movement, touch on screen, etc.. Content or content blocks would slightly fade-in and move-towards-top as you scroll, as well. Combined I truly believe Pengi would move way ahead of their competitors.