Pay flexibly in instalments

Pay for car maintenance services in instalments

Have your car serviced at Autoklinikka Merkkihuolto in Pitäjänmäki, Konala or Alppila using the Autoklinikka Huoltotili Maintenance Account. You will receive an invoice with a due date at the end of the following month. You will have interest-free and cost-free payment time until the due date. You can also choose a payment schedule that suits you better by paying in instalments. In that case, the interest and fees will be determined in accordance with the credit agreement.

---

Instructions how to apply for an Autoklinikka Huoltotili

A credit application is required for an Autoklinikka Huoltotili maintenance account. Apply for a credit decision easily in advance:

• Fill in the credit application online.
• Or send a text message with the word AUTOKLINIKKA to 18311. You will receive a link on your phone to verify your identity and fill in the credit application.

You will get a credit decision straight away. An approved credit decision is also required for a payment plan. Once your credit application is approved, the credit is available for immediate use. Opening an Autoklinikka Huoltotili maintenance account is free of charge, and the account has no annual fee. The maintenance account enables you to apply for credit up to €6,000, which can also be used for upcoming purchases. Once you receive an invoice, you can either pay the full amount by the due date or choose to pay in instalments with a payment schedule that suits you.

The lender is Resurs Bank AB, Finland branch, which manages invoicing on our behalf and makes the appropriate credit decision. Payment by invoice or in instalments requires a Finnish personal identity code and a permanent, official home address in Finland. The credit applicant verifies their identity using their online banking credentials.

Example: cost calculation if you choose to pay your invoice in instalments.

For a €1,000 purchase, the total amount payable would be €1,061.40

Number of instalments:	12	Instalment per month:	88,93 €
Credit cost per month	5.60 €	Credit expenses:	61,60 €
Annual interest rate:	0 %	Effective annual interest rate:	6,07 %

The example is calculated for a 12-month payment option. Credit cost: 0.28% per month of the agreed credit limit, but no more than €12.50 per month, charged via monthly invoice. Account financing is revolving credit with a minimum credit limit of €2,000. Other uses of the credit may result in a higher or lower effective annual interest rate. Lender: Resurs Bank AB, Finland branch.

• Resurs Bank handles enquiries related to applications, invoices, instalments and other financing matters.
• Customer service, tel. (09) 622 4308
• asiakaspalvelu@resurs.fi
• www.resursbank.fi

Maintenance account expenses

Costs	Annual interest rate	Credit cost per month
30–60 days	0 %	0 €
12 months	0 %	0.28% of the credit limit, max. €12.50 per month
24 months	12.90%	0.28% of the credit limit, max. €12.50 per month
48 months	15.00% + reference rate	0.28% of the credit limit, max. €12.50 per month

The reference rate refers to the rate defined in section 12 of the Finnish Interest Act, announced semi-annually by the Bank of Finland. Any changes to the reference rate will also affect the customer’s total interest rate accordingly. However, the total interest rate may not exceed 20%. The current total interest rate is indicated on the invoice. Interest refers to the annual interest rate and is charged only on the outstanding amount of credit.

Examples of repayment amounts

Credit amount	€500	€1,500	€3,000
30–60 days	€500	€1,500	€3,000
12 months	€47.26	€130.60	€258.40
24 months	€29.48	€77.25	€151.70
48 months	€20.81	€51.23	€99.67

Monthly amounts include any applicable credit costs and interest. You can switch between payment options and repay the credit in accordance with a schedule that suits you. The minimum monthly instalment to be paid is the minimum amount indicated on the invoice.