Streamline your spending by chopping bigger
convenient one-time investment in smaller batches.

Flexible payment time with no surprises

You can conveniently fill out the application online regardless of the time. After receiving an approved credit decision, you can easily sign the contract using your online banking credentials. However, when applying for a credit decision, you should apply for a large amount so that the financing is sufficient to cover the entire purchase price. The final amount to be financed is the transaction amount confirmed afterwards by the seller.


Santander instalment:

Cardless financial product
No collateral and no guarantors
Loan amount 300€ — 40 000€
Opening fee up to €0
Fixed rate
Payment term up to 10 years
Monthly invoicing in equal installments
You can repay the loan earlier without any additional costs

How do I apply for funding?

In the table below, click on the amount you need for your purchase and fill out the application. The application form opens in a new browser window. For authentication, you will need online banking credentials or a mobile certificate. You will receive a credit decision quickly and you will also be able to sign the contract electronically. It is worth applying for an advance decision for a large enough amount to cover the full price of your purchase. The final loan amount is fixed in accordance with the transaction amount realized by the seller. The advance application is not bound by anything or requires purchase.

Select the purchase amount you want

Tap the purchase amount to go to the provider's website. The page opens in a new browser window

Credit Amount

Monthly lot from

Max. contract period

Example calculation: Typical one-time loan of €5,000.00 and a contract term of 60 months. The monthly instalment of €122.64 includes interest of 12.95%, a credit setup fee of €0 and a processing fee of €9.00/month. Total credit costs €2,393.77, credit price €7,393.77 and an effective annual interest rate of 18.06%. Financing requires an approved credit decision. The service is provided by Santander Consumer Finance Oy, Risto Rytin tie 33, 00570 Helsinki.

Standard European Consumer Credit Data →