Apuraha Installment
Pay for your purchases flexibly in installments – you can choose a payment period that suits you, from three months up to 36 months.
Flexible payments with Apuraha Installment
Installment payments offer a flexible schedule for larger purchases up to €5,000—choose the payment term and monthly installment that suits you best. You can also pay off the credit faster than planned at no extra cost.
Payment terms:
- 3 months
- 6 months
- 12 months
- 24 months
- 36 months
Installment fees:
- Interest rate: 15%
- Reference rate: in accordance with the Interest Act
- Monthly fee: €3/month
Example of installment costs:
The interest rate for a 1,000 euro credit is 12.9% + the reference rate confirmed by the Bank of Finland, with a monthly fee of 3 €/month for a 12-month repayment period. The effective annual interest rate is 21.55%, and the total credit amount is 1,107.31 €. This example is based on the reference rate in effect in 2026 (2.50%). Credit is provided by Walley, which is part of Norion Bank.
You'll receive a monthly invoice via email on the 15th of each month for all purchases made with Apuraha Installment, with payment due at the end of that month.
How can I use Apuraha installments?
To pay in installments, you need an approved credit decision, which you can easily apply for during checkout.
To pay in installments, you must have:
- a minimum age of 18
- a Finnish personal identity code
- a permanent, official residential address in Finland
- online banking credentials for identity verification