How to pay with OP Overdraft Facility (Tililuotto)

Buy online and finance your purchases with flexible repayment options through OP Overdraft Facility.
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OP Overdraft Facility (Tililuotto)

OP Overdraft Facility (Tililuotto) is a buy now, pay later payment method that lets you finance purchases in online stores. It is available to customers who meet OP’s lending criteria. When you choose it at checkout, the credit decision is made immediately.

To use OP Overdraft Facility (Tililuotto), you must:

  • be at least 23 years old
  • live permanently in Finland
  • have Finnish online banking credentials
  • meet OP’s credit assessment requirements

Learn more about Overdraft Facility (Tililuotto).

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Benefits of Overdraft Facility (Tililuotto)

  • Finance online purchases up to €7,500
  • Immediate credit decision during checkout
  • 30-day interest-free payment period for purchases
  • Choose to repay in full or in installments
  • All purchases made during the month are combined on a single invoice
  • Make additional repayments or repay the outstanding balance at any time without extra charges
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Costs

  • Monthly invoicing fee: 5,00€ when you receive an invoice
  • Installment payments: OP Prime + 9,50% annual interest
  • Minimum monthly installment: 50€
  • No charges during months when there is no outstanding balance

How to pay using OP Overdraft Facility (Tililuotto)

  1. Choose OP Overdraft Facility (Tililuotto) at checkout.
  2. Fill in the required information for the credit decision.
  3. Confirm the payment after your credit has been approved.
  4. Complete your purchase.

If you need help with an OP Overdraft Facility (Tililuotto) payment or financing, contact OP Consumer Financing customer service. 

You can also find answers to common questions in the OP Overdraft Facility FAQ.