“How much is the monthly payment then?”
It depends on the car, accessories, agreement period and the agreed kilometre allowance.
“Do I need to place a down payment and security?”
There is no need for a down payment or security, as the car serves as security.
“Can the payment amount vary month to month?”
The monthly payment is fixed throughout the agreement period and is always the same. If you accrue excess kilometres, they will be charged separately when the agreement ends.
“Are there any additional costs?”
You will need to pay the vehicle tax and take out motor liability and all-risk insurance policies. You will also need to have your car serviced in accordance with the regular maintenance schedule. To accommodate for this, you can make a separate service and maintenance agreement.
“What is the kilometre allowance?”
We will set a kilometre limit between 40,000 and 120,000 kilometres depending on the length of your agreement period. Apart from that, you can use the car as your own. We can also raise the kilometre allowance if your needs change in the middle of the agreement period.
“What happens if I go over my kilometre allowance?”
We have agreed on an excess kilometre charge of EUR 0.11 per kilometre, which you will pay at the end of your agreement, if need be.
“What if I want to terminate my agreement early or trade in my car for a new one?”
If there are changes in your life and you have to give up your FiksuDiili car in the middle of the agreement period, please contact the car dealership. They will help you find the best solution. You should also contact the car dealership if you wish to trade in your car in the middle of the agreement period.
“What do I do when the agreement ends?”
- You can return the car. Send us a message via Nordea Omaposti about returning the car at least 1 month before the last payment. Also remember to contact the car dealership to agree on the return date and time.
- You can buy the car for yourself.
- You can apply for a new FiksuDiili agreement and a new car.
“Where can I get this FiksuDiili?”
FiksuDiili hire purchase finance is available at Laakkonen’s dealerships and on their websiteOpens new window.