Frequently Asked Questions
Here you will find information and answers about Rahoituskumppani and the most common practices related to buying and selling processes.
FAQ
Example calculation: Loan amount €20,000. Monthly payment €334.97. Loan period 72 months. Interest 1.99%. Delivery fee added to cash price €299. Loan establishment fee €350. Processing fee €12/month. Actual annual percentage rate according to consumer credit legislation for this example: 6.04%. Total credit price: €24,080.65. Following the payment plan. Rahoituskumppani reserves the right to offer alternatives that differ from the above pricing. The loan is always case-specific.
- Verification of seller's ownership
- Checking vehicle tax and inspection validity
- Investigating possible serious collision history (two-plate history)
- Forwarding credit applications to various finance companies and preparing installment agreements
- Preparing purchase agreements for seller and buyer
- Traffic and comprehensive insurance
- Possible R-turva agreement
- Vehicle registration
- Delivery of necessary documents
- Ensuring money transfers
Unfortunately, the delivery fee cannot be invoiced separately to the seller. The delivery fee is always included in the financed purchase amount. However, the seller can offer a discount from the purchase price equivalent to the delivery fee.
Rahoituskumppani's installment financing is suitable for almost all registered vehicles: cars, vans, trucks (max 5000 kg), motorhomes and caravans, boats, motorcycles, snowmobiles, ATVs and moped cars. There are no restrictions on vehicle price, age or mileage. A credit decision is always sought on a case-by-case basis. Financing decisions are secured by the target.
Rahoituskumppani acts as an intermediary for financing and insurance services for private sellers and buyers. Our services have been developed in cooperation with Finland's largest financial and insurance companies.
The service is primarily intended for vehicle transactions between private individuals, as a tool for buyers and sellers to complete transactions. We also make financing agreements for vehicles sold and purchased by companies, excluding companies engaged in professional vehicle trading.
- Financing significantly improves the chances of a sale
- Over 70% of vehicles are purchased on installment
- By selling the device yourself, you will probably get a better price than selling it to a dealer
- Safe transactions, we always check the buyer's ability to pay before transactions
- Hassle-free and fast transaction
- We can take the buyer's possible trade-in as part of the deal
- The service is free, ask yourself why wouldn't you use it?
- Always unsecured installment, you don't need to use your own collateral
- Vehicle selection expands significantly when you can view all private listings
- You will definitely get an equivalent device cheaper than buying from a vehicle dealer
- With R-turva you get real protection, not just the liability for defects offered by consumer protection
- Affordable financing that suits you best, our professionals go through different finance companies with you. Together you choose the one that suits you best.
- Safe, personal and hassle-free transactions
Yes you can! A trade-in car "ruins" a significant part of transactions between private individuals. The car seller has no need for a future trade-in car, the intention is just to sell their own device. We can buy your trade-in as part of the transaction. We deduct the car's price directly from the new financing amount. We also handle all paperwork, registration, insurance, etc.
R-Turva
- Available for cars, motorcycles and motorhomes!
- Covers almost all the most important and expensive parts, except wearing parts!
- Packages available from six months to three years!
- No lump sum! On installment, the price of protection is about the cost of a pizza per month!
Motorhome
You can also get R-turva for motorhomes, either in Motorhome form or as Premium. The vehicle can also get an R-turva Premium package if the motorhome does not meet Motorhome criteria. Premium does not include the living area in the protection package! GoSafe MOTORHOME - GoSafe Motorhome is protecting your travel companion! Motorhome is for motorhomes and also covers the living area! COMPONENTS 1-11 – When the vehicle is under 10 years old and mileage is under 200,000 km at the time when the fault or repair need has been reported to Fragus. COMPONENTS B1-B5 – When the vehicle is over 10 years old and/or has driven over 200,000 km at the time when the fault or repair need has been reported to Fragus. Packages: 12 months, 24 months, 36 months
Car
R-Turva Premium package fits almost any car now also without annual mileage limit! This means that R-turva is valid according to the package taken or until the vehicle reaches 300,000 km! You can also use Premium for motorhomes. GoSafe PREMIUM COMPONENTS 1-11 – When the vehicle is under 10 years old and mileage is under 200,000 km at the time when the fault or repair need has been reported to Fragus. COMPONENTS B1-B5 – When the vehicle is over 10 years old and/or has driven over 200,000 km at the time when the fault or repair need has been reported to Fragus. Packages: 12 months, 24 months, 36 months
Motorcycle
GoSafe Motorcycle is for those who may not feel like tuning their motorcycle themselves! The protection package is available for motorcycles aged 1-9 years. You want to invest in vehicles of this age, so R-turva is the right choice for you! GoSafe MOTORCYCLE GoSafe Motorcycle doesn't prevent you from getting a motorcycle, on the contrary! You can buy a motorcycle and ride carefree, even if you haven't learned motorcycle repair. GoSafe Motorcycle ends when the vehicle reaches 100,000 km or 10 years. Packages without mileage limit! Packages: 12 months, 24 months, 36 months
R-Turva for electric cars?
Absolutely! So don't be afraid to buy an electric car, even if the warranties have ended or are ending. From us you get GoSafe Electric R-turva, which is tailored specifically for electric cars. R-turva can also be set to start after the warranty ends! R-turva costs the same for electric cars as for other cars! GoSafe Electric available now up to 250,000 km or 20 years! COMPONENTS 1-9 – When the vehicle is under 10 years old and mileage is under 200,000 km at the time when the fault or repair need has been reported to Fragus. COMPONENTS B1-B5 – When the vehicle is over 10 years old and/or has driven over 200,000 km at the time when the fault or repair need has been reported to Fragus.
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