Learn how OP Tililuotto works, who can use it, and how to activate it in the Merchant panel.
OP Tililuotto is a flexible and safe payment method for larger everyday purchases, offering financing up to 7,500 euros. Consumers can apply for credit at the time of purchase during the checkout process.
Credit decisions are based on a general assessment of solvency. OP handles invoicing and repayment options automatically.
Read the OP payment method terms (in Finnish) and learn more about OP’s online financing service.
Benefits for the consumer
- An easy to use payment method supported by OP's domestic customer service
- All purchases made during the month are invoiced in the same invoice
- 30 days interest-free payment period for purchases
- The loan can be shortened in a suitable way: in installments or in full
Activate OP Tililuotto (Overdraft Facility) in the Merchant panel
- Log in to the Merchant panel
- From left-hand menu, select Payment methods
- Find OP Tililuotto (Overdraft Facility) and click Activate
Before activating, please review the following documents:
Fees
Consumer fees
- Invoicing fee: 5,00€ per installment
- Interest rate for installment payments: OP-prime + 9.50% annually
- Fees only apply when the payment method is used.
Merchant fees
Merchant pricing follows Paytrail’s price list.