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)
I also have the Slide Lite, which is also good but this is better because it's wider and the shoulder area is padded. Plus the strap ends have locking tabs on the outside (vs Lite, which is close to the strap). Comfortable to wear.
Profitable acquisition
Excellent with e.g. a heavy Canon ef 300mm f/2.8 l lens because the mount can be attached to the lens without damaging the camera's connectors and it is convenient to adjust the strap length with one hand.
A stiff strap with a reliable quick-release fastening. I have one connector attached to the bird tube and the other to the camera body: handy for changing the position of the strap when I move from birding to wider angles.
A good strap, especially thanks to the quick-change attachment points. The quality of the product is high.