Why get financing directly from the retailer?
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Apply for a financing decision online. Your credit will be available immediately at the retailer you selected. Applying does not require you to use the credit.
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Reliable and easy payment method - after purchasing, you repay the financing monthly directly to OP.
How to apply for financing:
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Financing application
Fill in a financing application for the retailer online to receive a decision right away. Applying does not require you to use the credit.
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Making the purchase
Tell the retailer that you are paying by OP financing and show your proof of identity.
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Repayment
OP will send you a bill once a month. You can repay the credit flexibly by paying either the minimum sum, a larger amount or the entire loan at once, if you like.
More information about financing
- No need for collateral or guarantors
- Available for any bank's customers
- Fixed monthly repayment
- Suitable for financing products and services, such as installation work
- Suitable for larger or one-off purchases
- File a financing application online and identify using your own bank’s user identifiers
- You are free to buy immediately after signing the financing agreement
- Pay the monthly minimum repayment, a larger sum or the entire loan at once.
Tips for financing home improvements
Get a realistic estimate of the costs
When applying for financing, we recommend choosing a sum that is slightly higher than the cost estimate.
Interest on the loan is tax deductible
If you are doing basic renovation on your home or building a new home, you can deduct interest on the loan on your taxes. OP reports interest payments directly to the tax authorities. See tax.fi for further information. Basic renovation means a more extensive repair, not just replacing surfaces. It includes work such as replacing the house’s heating, plumbing, ventilation and electric systems.
Remember to apply for a tax credit on household expenses
You can apply for a tax credit on household expenses when buying installation services.