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)
When photographing flying birds with a long tube, this is a must, as with the viewfinder alone the bird has had time to travel before it reaches the viewfinder. The scope needs to be calibrated or at least checked after every lens change and poke, as the equipment shoe is not for accuracy. The construction is plastic and won't stand up to hard knocks, but is lightweight at the same time. A handy feature is the sealability, so the red dot doesn't accidentally catch fire.
Works great. The construction could be stiffer but it will hold up if you set it up right.
This ”red dot focus” makes it easier to point the camera with long telephoto lenses, for example in nature and sometimes also star photography. As an eyeglass wearer, I have found it helpful for aiming and tracking the subject in fast situations. The device is easy to set up and use. The brightness of the red dot can be adjusted (5 levels + off) and it can be aimed laterally and vertically. However, the controls are quite small, so they may not work with gloves on. The design is not intended for extreme sports, but should hold up under normal use. There is no experience of frost conditions. The target is attached to the camera's accessory mount, but the flash cannot be attached to the same mount at the same time. A functional device for those who need one. One week of use.