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)
Great clamp. I added three of them to my video rig so I can quickly remove the camera from most of the setup and the video plate, and it works great. If you plan to use multiple clamps like I do, I recommend pairing them all with the same plate. I tried buying just the clamp and pairing it with different Arca-Swiss clamps I had at home, but since they were all slightly different, I had to adjust the tightening screw constantly, which was inconvenient. When paired with the same plate, the experience is much better.
High-quality and convenient Arca quick-release with quick-release fastener. When properly adjusted, the camera stays firmly in place and with the locking lever in the centre position, you can adjust the camera's balance without dropping the camera. Only when the locking lever is in the rear position can the camera be released by lifting it directly upwards. Only the lock adjustment bolt (when the lock is open) is very sensitive to rotation, so that after a few openings the locking lever no longer locks the pieces together firmly enough, so a suitable Allen key should always be available. I tried to solve this rather big problem by putting a few layers of ptfe tape (teflon tape/pipe tape) on the threads of the hex bolt to keep the adjustments in place. It seems to work better now, although I haven't had a chance to try this tune-up in practice yet..