Telia Finance Finland, Telia Finance AB:n Suomen sivuliike

Telia Finance AB:n Suomen sivuliike (Telia Finance Finland) is the Finnish branch of Swedish Telia Finance AB, providing point‑of‑sale consumer credit and installment financing for devices and subscriptions sold by Telia and selected partners, and offering leasing and device‑as‑a‑service arrangements for businesses. Consumer products generally comprise an invoice credit account and fixed‑term installment plans linked to specific purchases; applications require strong electronic identification, a Finnish personal identity code and address, and a creditworthiness check using Finnish credit data, with decisions made online at checkout or in Telia stores. Pricing consists of interest and/or monthly account or handling fees, and may include opening, reminder and paper‑invoice fees as set out in current product terms; promotional campaigns can feature 0% interest for a defined period, but other fees may still apply. Invoicing is monthly, early repayment is permitted without additional charges beyond accrued interest and agreed fees, and statutory 14‑day withdrawal rights apply to distance‑concluded credit; payment delays trigger default interest under the Interest Act and may lead to collection measures and entries in credit registers. Business leasing contracts specify term, residual value handling, insurance requirements and end‑of‑term options (return, extend or purchase) according to the agreement. Customer service is available via Telia and Telia Finance channels, and complaints are first handled by customer service and, if unresolved, can be escalated to Finnish consumer dispute bodies; Telia Finance AB is authorized and supervised in Sweden by the Finansinspektionen, while the Finnish branch is entered in local registers and must comply with Finnish consumer‑protection and marketing rules. The company does not take deposits, and deposit guarantee schemes do not apply. Up‑to‑date product terms, price lists, privacy notices and contact details are published on Telia and Telia Finance websites.