• Do you want to pay by invoice or in parts that suits you? With 1Store account, you get up to 12 months of interest-free payment time.

    Applying for an 1Store account is easy and quick. You can easily apply for credit at home via the link below. The invoice for your purchase will be delivered to you the month following the purchase. Then you can choose the payment option that you prefer. The creditor is Resurs Bank AB Finland branch.

    Payment solution Annual interest rate Processing fee/month
    30-60 days 0 % 0 €
    12 kk 0 % 0,28 % /monthly of credit limit, max 12,50 € /month
    24 kk 12,90 % 0,28 % /monthly of credit limit, max 12,50 € /month
    36 kk 15,00 + KSL interest rate* 0,28 % /monthly of credit limit, max 12,50 € /month
    *KSL interest rate is based on Consumer Protection Act 12 §. Rate is defined twice a year by Bank of Finland and it is valid for 6 months at a time. The KSL interest rate can be max. 5% and total annual interest rate max 20%.

    Advantages of financing:

    • You don't have to pay anything when making a purchase
    • 30-60 days without costs and interest
    • No costs for opening an account and no annual fee
    • An interest-free payment option of up to 12 months is available
    • Also suitable for further purchases, conveniently without a new credit application
    • 1Store account is at your disposal both in 1Store locations and in

    Please note that the credit agreement and invoicing are available only in Finnish language. Once you have signed electronically the credit contract, you can immediately use the credit. When shopping in the store, take a valid ID with you (passport, driver's license, identity card).

    Credit application (in finnish) >

    Example: 1 500 €, 12 months payment option. Annual interest rate: 0%. Processing fee/month: €5.60. Annual percentage rate (APR): 4.01%. Credit costs: €61.60. Total payable: €1,561.60. Installments/month: €130.60, 12 installments. The 1Store account is a continuous credit with a minimum credit limit of 2,000 euros. Other use of the credit may result in a higher or lower effective annual interest rate. Creditor: Resurs Bank AB, Finland branch.

    YKSITYISIÄ TILI- JA KORTTILUOTTOJA SEKÄ YKSITYISLAINOJA KOSKEVAT YLEISET EHDOT (General terms for private account and card credits and private loans) (”RBAV12 FINLAND”)

  • Santander Purchase Finance is a cardless financial product, that allows you to make small and larger purchases at a monthly rate that suits you. Purchase finance gives you the opportunity to split your expenses by splitting a larger one-time purchase into smaller pieces.

    With a fixed interest rate and a monthly instalment, you always know in advance what you will be paying for your purchase. You can finance all or part of your purchase.

    This is Santander Purchase Finance

    • Cardless financial product
    • No collateral or guarantors
    • Loan amount € 300 - € 40,000
    • Opening fee always 0 €
    • Fixed rate
    • Payment period up to 7 years
    • Monthly invoicing in equal instalments
    • The loan can be repaid earlier at no additional cost