You can pay for your purchase in the following ways:

You can pay for your purchase in the following ways:<ul><li>Online banking: Use your Finnish online banking credentials to make the payment.</li><li>MobilePay: Pay quickly and easily with the MobilePay app.</li><li>Apple Pay, Google Pay: Pay directly with the fast payment method offered by Apple and Google.</li><li>With a debit card: Use your debit card, for example, Visa Debit or Mastercard Debit.</li><li>With a credit card: Pay with a credit card, such as Visa or Mastercard.</li><li>Svea Invoice: An easy and secure way to pay for your purchases by invoice with a 30-day interest-free payment time. The buyer must be at least 21 years old. Requires a positive credit decision.</li><li>Svea Part Payment: A one-time credit that allows you to choose your preferred payment period from the available options. The buyer must be at least 21 years old. Requires a positive credit decision.</li></ul>

How can I pay for my purchase? Online Store Payment Methods

1. The Basics: When you pay your invoice on time. When you choose Svea Invoice as your payment method, you get 30 days of interest-free payment time for your purchase. If you pay the invoice in full by the due date, you will not incur any extra costs

<div dir="ltr" id="isPasted">1. The Basics: When you pay your invoice on timeWhen you choose Svea Invoice as your payment method, you get 30 days of interest-free payment time for your purchase. If you pay the invoice in full by the due date, you will not incur any extra costs, such as handling fees or interest.Please note that paying by invoice requires two things:<ul><li>You must be at least 21 years old.</li><li>Svea must grant you a positive credit decision, for which they will check your credit information.</li></ul> 2. Costs: If your invoice payment is lateIf the invoice is not paid by the due date, additional costs will be added.<ul><li>Payment Reminder: A &#x20AC;5 fee is charged for a late payment reminder.</li><li>Penalty Interest: Penalty interest according to the Finnish Interest Act will accrue on the unpaid amount. For consumer credits, however, the penalty interest will be equal to the original credit interest (19.95%) for a maximum of 180 days after the debt has fallen due.</li><li>Other Fees: A &#x20AC;5 fee is charged for postponing the due date, and a &#x20AC;10 fee for extra document copies.</li></ul> 3. Converting the invoice to a credit agreement (payment in installments)If you wish, you can convert the invoice into a flexible credit agreement and pay it in smaller monthly installments over a maximum of 36 months. In this case, separate contract terms will apply.<ul><li>Costs: A fixed credit interest of 19.95% as well as setup and handling fees are charged on the credit agreement, starting from the date of purchase. The minimum monthly payment is &#x20AC;10 or at least 3% of the total debt amount.</li><li>Example: For a &#x20AC;1,000 credit agreement with a 12-month payment period, the total cost of credit is &#x20AC;116.33, the Annual Percentage Rate (APR) is 22.93%, and the total amount to be paid is &#x20AC;1,116.33.</li><li>Early Repayment: You can pay off the entire credit balance early without incurring additional fees.</li></ul> Tracking Invoices and Credits &amp; Customer ServiceYou can easily track your open invoices and credits in Svea&apos;s My Pages (Omat sivut) service. If you have questions about billing, you can contact Svea&apos;s customer service by phone at +358 9 4242 3330 or via the contact form on their website.</div>Read the general terms &amp; conditions of Svea Invoice (Purchase credit) on their website:&#xA0;<a data-fr-linked="true" href="https://www.svea.com/fi-fi/tietoa-meista/sopimusehdot/115/general-terms-purchase-credit" id="isPasted">https://www.svea.com/fi-fi/tietoa-meista/sopimusehdot/115/general-terms-purchase-credit</a>

How does Svea Invoice work?

1. The Basics: When you choose a fixed payment period. Svea Part Payment (in Finnish Erämaksu) is a one-time credit that allows you to pay for your purchase in pre-agreed monthly installments. When making your purchase, you select the most suitable p

<div dir="ltr" id="isPasted">1. The Basics: When you choose a fixed payment periodSvea Part Payment (in Finnish Er&#xE4;maksu) is a one-time credit that allows you to pay for your purchase in pre-agreed monthly installments. When making your purchase, you select the most suitable payment period from the available options, during which the credit will be paid back.Please note that using Part Payment requires two things:<ul><li>You must be at least 21 years old.</li><li>Svea must grant you a positive credit decision.</li></ul> 2. Costs of Part PaymentUnlike the interest-free Svea Invoice, Svea Part Payment always includes credit costs from the date of purchase. These costs consist of credit interest and monthly handling fees.<ul><li>Example: For a &#x20AC;1,000 Part Payment credit with a 12-month payment period, the total cost of credit is &#x20AC;144.93. In this case, the Annual Percentage Rate (APR) is 29.02%, and the total amount to be paid is &#x20AC;1,144.93.</li></ul> 3. Flexible Repayment with Purchase CreditIf you want to pay a smaller amount per month than the original part payment installment, you can switch to the more flexible Purchase Credit (Ostoluotto). This allows you to define the monthly installment amount more flexibly.<ul><li>Costs: The Purchase Credit has a fixed credit interest of 19.95% as well as setup and handling fees. The minimum monthly payment is &#x20AC;10 or at least 3% of the total debt amount.</li><li>Note: If you do not make payments according to the original Part Payment agreement (e.g., under campaign terms), you will automatically switch to repaying the credit according to the Purchase Credit terms.</li></ul> Tracking Credits and Customer ServiceYou can easily track your open part payments and credits in Svea&apos;s My Pages (Omat sivut) service. If you have questions about billing, you can contact Svea&apos;s customer service by phone at +358 9 4242 3330 or via the contact form on their website.</div>Read Svea Part Payment terms &amp; conditions on their website:&#xA0;<a data-fr-linked="true" href="https://www.svea.com/fi-fi/tietoa-meista/sopimusehdot/115/general-terms-part-payment" id="isPasted">https://www.svea.com/fi-fi/tietoa-meista/sopimusehdot/115/general-terms-part-payment</a>

Payments

How can I pay for my purchase? Online Store Payment Methods

How does Svea Invoice work?

How does Svea Part Payment (Erämaksu) work?