What is Flexible Credit?

Flexible credit is a versatile and user-friendly alternative to traditional loans in Finland. It functions like a virtual credit card, giving you convenience and control over your finances.
 

How It Works: Your Virtual Credit Card

With the Flexible credit, you have a pre-approved credit limit. You can make withdrawals within this limit quickly, just like you would use a credit card.
 

Benefits of Flexible Credit

Convenience: You can make withdrawals as needed, providing you flexibility and financial peace of mind.

Payment Management: You can pay the open credit either all at once or in manageable installments. You can even choose your monthly due date.
 
Managing Your Flexible Credit

You can manage your flexible credit by logging into your personal account, known as ''My Account.''. There you can:
•            Check your available balance: Get a quick overview of how much credit you have remaining.
•            Review your account information: Access your credit transaction history and continue monitoring your spending.
•            Update your contact information: Ensure we can reach you for important updates.

Payment Details

The monthly minimum repayment is either 3% of the used credit limit or a minimum of €40, whichever is greater. Invoice is sent to you by email, 14 days before the due date.

Ready to Get Started?

Take advantage of the convenience and control offered by flexible credit. Join us today by visiting our Ferratum Finland website . Choose your withdrawal amount and submit your application. You'll need online banking for authentication.