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)
More bulky than the Manfrotto 1052bac. I got another Manfrotto stand to replace this one, because the Lencartan stand was so large in circumference that the stand bag couldn't hold two stands as easily. The air brake ”jammed” the rest of the way. It is too powerful and takes a few seconds longer to assemble. Not a big deal, but a strange design. Significantly cheaper than the Manfrotto stand, but I wouldn't save a few bucks here if you want to carry the stand to a location.
I already have more of these. Light and sturdy enough. A little shaky with a big softbox if you lift it high.
Very sturdy, I don't carry them around, so size is not an issue.Found them a bit ”hidden” in the online shop, but the seller in the chat was able to give me a hint about them.
Good price & quality ratio.
A sturdy good stand. When folded, a bit bigger than its more expensive competitors, so 4/5 stars for that.