Frequently Asked Questions

What are the conditions for Apuraha Instalment Payment?

• You must be at least 18 years old as a consumer customer
• You must have a Finnish personal identity code
• Your permanent, official home address must be registered in Finland
• Online banking credentials for identity verification

Who can I contact regarding questions about Apuraha Instalment Payment, the invoice or credit granting?

Please contact Walley customer service directly.
https://www.walley.fi/asiakaspalvelu/ 

What should I know when buying with Apuraha Instalment Payment for the first time?

If you have not previously used any Walley-financed instalment payment, you will need to conclude a credit agreement with Walley. You will receive an email from Walley after the purchase requesting you to sign the credit agreement. The credit agreement can be signed in Walley’s app or in the My Walley service.

When will I receive the first invoice?

The first invoice is sent on the 15th of the month and the invoice due date is always the last day of the month, so for the first invoice you get approximately 30-60 days to pay depending on the purchase date, after which the credit is repaid monthly according to the payment plan.

How much does Apuraha Instalment Payment cost?

Interest 15% + the reference interest rate according to the Interest Act + €3/month account management fee (no opening fee)

Example: Interest on a €1000 credit is at most 20% and the monthly fee is €3/month, when the repayment period is 12 months. The actual annual interest rate is 30.67% and the total credit amount is then €1,116.

Why was my credit application rejected?

Credit is not granted, for example, if there is incorrect information in the customer details, you have a voluntary credit ban or a payment default record.

You can inquire about a negative credit decision from Walley customer service.

Why did I receive an order confirmation even though my credit application was rejected?

An order confirmation is sent even if credit is not granted. The confirmation only indicates that your order has been received. If credit is not granted, you can change the payment method or cancel the order from your customer account. Products will not be shipped until the payment for the order is in order.

How can I modify the contents of my order or payment method?

You can modify your order through account management. If the contents of your order change and the payment method is Apuraha Instalment Payment, your previous credit decision is cancelled. You can make a new credit application by entering your personal identity code and verifying your identity with online banking credentials. 

Can I buy in-store with Apuraha Instalment Payment?

Yes, you can!

Why am I unable to pay for my order with Apuraha Instalment Payment?

Unfortunately, same-day express deliveries by Wolt and Fetch cannot be paid with Apuraha Instalment Payment. Outlet products or gift cards also cannot be paid with Apuraha Instalment Payment.

Can someone else collect my order paid with Apuraha Instalment Payment?

Yes, they can! The collector must have a power of attorney as well as their own ID.
Help with making a personalised power of attorney ➡️ 

I returned a product that was paid for with Apuraha or Walley Instalment Payment. How do I get a refund for the product?

Inform Walley of your bank account number for the refund. The easiest way to provide your bank account number is by logging into the Walley app or the https://my.walley.fi website.

I returned a product that was paid for with Apuraha or Walley Instalment Payment. When will I receive the refund?

Refunds normally take 3 working days.