Why get financing directly from the retailer?
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.
Reliable and easy payment method - after purchasing, you repay the financing monthly directly to OP.
Select a partner retailer and apply for financing
- GreenEnergy Finland
- Hämeen Kattokeskus
- Ideal Keittiöt
- Kymen Kattokeskus
- Molarum Salaojat
- Oulux Ovet ja Ikkunat
- Pohjolan Putkiremontit
- Smartia Remontit
- Smartia verkkokauppa
- Solar Age
- Suomen Aurinkotekniikka
- Suomen Ilmanvaihtosaneeraus
- Suomen KattoCenter
- Suomen Lämpöikkuna
- Suomen Vesitekniikka
- Suomen Vesiturva
- Turun Uunisepät
- Uponor Koti
How to apply for financing:
Fill in a financing application for the retailer online to receive a decision right away. Applying does not require you to use the credit.
Making the purchase
Tell the retailer that you are paying by OP financing and show your proof of identity.
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.