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 high-quality, sturdy stand. Excellent value for money. I already had the shorter model, and I’ve now bought the longer version to go with it, whilst stocks lasted.
It really impressed me with its sturdiness and stability. To put it bluntly, this is quite a grand-looking lamp post. The air suspension is very well designed. You could certainly mount even a more expensive light fitting on this.
Admittedly, when folded up, the product didn’t take up quite as little space as stated in the product details (perhaps a difference of about ten centimetres), but fortunately it still fitted into the bag I’d intended to put it in.
I wanted a sturdy, all-purpose stand for the AD400 Pro at standard room height, and this one exceeded my expectations in every respect. I’d recommend it.