Instalment payments – Avarda overdraft facility
Pay for your purchases flexibly in monthly instalments. The credit is provided by Avarda Bank AB, Finnish branch.
- Credit limit: €1,000–6,000, subject to credit approval
- Payback period: up to 48 months – you choose
- Interest rate: variable, 15 % + reference rate (currently totalling 17.5 %)
- Account management fee: €0–5 per month
- Minimum monthly instalment: 8 €
- You can pay off your loan at any time without incurring any additional charges
- One payment-free month is possible, provided payments have been made on time for 4 months
- Requirements: you must be of legal age, have a regular income from employment or a pension, and be able to verify your identity using your online banking credentials
Sample calculation
A purchase of €1,000, repayment period 12 months, nominal interest rate 17.5 % (15 % + reference rate 2.5 %) and an account management fee of €5 per month:
monthly instalment 96,44 €, the total cost of the loan 157,31 €, total amount payable 1 157,31 €, the actual annual interest rate 31,72 %.
Please note! Taking out a loan comes at a cost.
Credit is granted on the basis of an approved credit decision. The reference interest rate is reviewed on 1 January and 1 July. Further terms and conditions: Avardan’s credit terms and standard European consumer credit information (PDF)
Really good kit. Practical, good quality and easy to use.
Really easy to use light modifiers for your flash to create a nice different effect. I also own Magmod light modifiers and didn't notice a significant difference. Diffusion ball and half dome reflector most used for wedding photography. With a barn door and snoot you can get a more creative result!
A handy set. The magnetic fasteners are very handy and functional. The white cup at least for me has been used more now. High quality products.
A wide range of different flash modifiers. Comes in a good case, but the problem is the white reflective tab, which doesn't seem to fit inside; it does fit, but I wish the case was 0.5 cm wider, so there wouldn't be a problem. Convenient magnetic attachment. Seems like a durable product.
An affordable all-in-one accessory package packaged in a handy case. The magnetic mount makes it really quick to swap equipment to the flash.