When you use your Audiokauppa account, you get 30–60 days of interest-free and cost-free payment time for your purchases. You decide at what pace you want to pay for your purchases. Once you receive your invoice, you can pay the entire amount at once or choose the payment option that suits you best.
Benefits
- 30–60 days without fees or interest
- Up to 12 months interest-free payment time
- Pay at your chosen pace
- Possibility for further purchases
How to apply for financing
1. Online
Apply for a financing decision directly from this link. You will receive the credit decision immediately and your account will be activated once you have signed the credit agreement electronically with a TUPAS certificate.
2. By text message
Send a text message to 18311 with the keyword HIFIKAUPAT.FI. You will receive an application link on your phone and can sign the approved agreement electronically with a TUPAS certificate.
3. In-store
Show a valid ID at the time of purchase. You can fill out the application in-store and sign the agreement electronically with a TUPAS certificate.
Example purchase: €3000, with a 12-month payment option
- Annual interest rate: 0%
- Credit fee/month: €7.70
- Effective annual interest rate: 2.88%
- Cost of credit: €92.40
- Total payable: €3092.40
- Installment/month: €258.40, 12 installments
The credit fee is 0.28%/month of the agreed credit limit, however, a maximum of €12.50/month. The credit fee is charged on monthly invoices.
Terms and additional information
The Audiokauppa account is a continuous credit with a minimum credit limit of €2000. Other use of the credit may result in a higher or lower effective annual interest rate.
Creditor: Resurs Bank AB Finnish branch, PO Box 3900, FI-00002 Helsinki