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)
A splash and a burst of images pretty handy in studio conditions, saves a lot of time. The only drawback has been that the IR add-on only works for a while with new batteries, so you have to change them quite often even if the batteries have power left. I recommend rechargeable batteries (if you use regular ones, don't throw them away, they can still be used in other devices). Other functions yet to be tested.
A good device otherwise, but not the most reliable in sunny weather or snow, because it fires unnecessary shots.
Very unreliable when used outdoors in bright light where the wind is blowing grass or branches.They don't need to be near the IR beam, can be well to the side but will cause the following: the camera, regardless of the settings, will start snapping pictures and won't stop until the card is full or the battery is dead. The camera will start taking pictures without breaking the IR beam.In my use it took 6-7 thousand unnecessary pictures in a week.
Indoors (and outdoors in the shade) it works fine and obeys the settings you put on it.
It should also be noted that mosquitoes and water droplets in the rain will trigger the camera but that is part of the device's features and is acceptable.