Economy and choice - pay all at once or in instalments, at the pace of your choice

Invoice and credit cards give you more time to pay for your online purchases. They allow you to wait for your order to arrive before you pay for it. You can pay all at once with an invoice or in smaller instalments with an overdraft, allowing you to pay the amount that suits you best each month, spread over a period of up to 36 months.

Free payment time with your invoice - safe and easy shopping

You always get 45 days interest-free payment time for your online purchases. The long payment period allows you to check your purchase and, if necessary, return it before the invoice is due.

To take advantage of the payment period, you need a positive credit decision, which is easy to apply for at the time of purchase. You can apply for it if you are at least 18 years old and have a Finnish personal identity code and a permanent, official home address in Finland. Your credit history will also be checked in Bisnode Finland Oy's register.

The payment method can be used for purchases up to €5 000.

Once you have received a positive credit decision and confirmed the purchase, you will receive an invoice for your purchase by email. If you wish to pay your invoice in smaller instalments and with a payment period that suits you better (1-36 months), you will need to sign a revolving credit agreement with Collector Bank AB by logging in to MySite at my.walley.fi. Upon signing the credit agreement, you will be granted a credit limit which will be available for future purchases in accordance with the credit terms and conditions.

If you have a valid credit agreement, you will only have to pay the minimum amount indicated on the invoice you receive by the due date, but you may choose to pay a higher amount if you wish. You will then receive a monthly statement by e-mail until the credit is paid in full. If you wish, you can always repay your credit in instalments above the minimum amount indicated on your statement.

Credit costs and credit example. If the credit limit granted is €1 000 and it is used in full for purchases made in the online shop under the name of the TRADE COMPANY, and the credit is repaid within 36 months, the annual percentage rate of charge is 28.6%, the total cost of the credit is €403, the total amount to be paid is €1 403 and the number of instalments is 36. Late payments will be subject to the statutory reminder and recovery charges, plus interest for the period of delay.

Terms of credit

The invoice and credit are issued by Collector Bank AB, organisation number 556597-0513, registered holder of the Walley trademark.
Lilla Bommens Torg 11, Box 11914, SE-404 39. For more information www.collector.fi

For full terms and conditions and details of Walley Invoice and Overdraft, please visit the following links:

For a more detailed service description, please visit https://www.walley.en/customer-service/

General terms and conditions for invoice and overdraft: https://cdn.walleypay.com/terms/Terms_FI.pdf

Standard European Consumer Credit Terms and Conditions: https://cdn.walleypay.com/terms/SECCI_FI.pdf.

Organisation

Organisation