Flexibility and freedom of choice - pay at once or in installments, at the pace you choose

An invoice and account credit will give you more time to pay for your ecommerce purchases. Using them, you can wait for your order to arrive in peace before paying it. You can make a payment either with a single invoice or, in smaller installments, with an overdraft, allowing you to make the monthly payment that works best for you and spread the payment over a maximum of 36 months.

Free payment time on the invoice - safe and easy transactions
With the invoice, you always get 45 days interest-free payment period for your e-commerce purchases. The long payment period allows you time to review your purchase and, if necessary, return it before the invoice is due.

To take advantage of the payment period, you need a positive credit decision, which is easy to apply for at the time of purchase. You can apply for it if you are at least 18 years old and have a Finnish personal identity number and a permanent, official home address in Finland. Your credit information is also checked from Bisnode Finland Oy's register.

The payment method can be used for purchases up to 5,000 €.

Once you have received a positive credit decision and confirmed the purchase, you will receive an invoice for your purchase in your email. If you want to pay the invoice in smaller parts and with a payment period that suits you better (1-36 months), you must enter into a credit agreement with Collector Bank for a continuous loan by logging in to My Pages at oma.collector.fi. Upon signing the credit agreement, you will be granted a credit limit that is available for subsequent purchases in accordance with the credit terms.

When you have a valid credit agreement, you will only have to pay the minimum amount stated on the invoice you received by the due date, but you can also pay a higher amount if you wish. You will then be sent a monthly email invoice until your credit is fully paid. If you wish, you can also reduce your credit in installments greater than the minimum amount stated on your invoice.

Credit cost and credit example:

In the Dango Oy / Dango Coffee online store, campaign conditions are applied, according to which the interest rate of the overdraft is 19.2 % expressed as a nominal annual interest rate and the monthly fee is 3.80 € per month. If the granted credit limit is 1,000 € and it has been used in full for purchases made from the Dango Oy / Dango Coffee online store and the credit is repaid within 36 months, the applicable promotional terms are 30.7 % annual interest, 433 € total, 1433 € with a total number of 36 pcs payments. Late payments will be charged statutory reminder fees and collection costs, as well as interest for the delayed period.

Credit terms

The issuer of the invoice and credit is Collector Bank AB, Lilla Bommens Torg 11, Box 11914, SE-404 39. More information at www.collector.fi

You can get complete terms and information about Collector Invoice and Account Credit from the following links:
Detailed service description:
 https://www.collector.fi/henkiloasiakkaat/maksa-laskulla/
General invoice and account credit terms:
 https://www.collector.se/upload/Partners/Agreements/SVM/Credit_terms_All_EN.pdf
Standard European Consumer Credit Terms:
 https://www.collector.se/upload/Partners/Agreements/SVM/SECCI_EN.pdf