OP Hire purchase financing

Funding and protection for car sales between private individuals

You can get OP’s Hire purchase financing for a vehicle that is to be purchased from a private individual. You need to be the sole owner of the vehicle, and thus you can not get OP’S Hire purchase financing for a vehicle already owned by a financing company.

During the same visit, you can smoothly sign the financing offer, that you have pre-filled online, as well as the paperwork of the car trade with the assistance of a service advisor from A-Katsastus. A-Katsastus’ impartial expert will verify the car and take a couple of pictures of it. The Hire purchase financing is granted by OP Yrityspankki Oyj and the car’s verification and paperwork for financing is carried out by A-Katsastus Oy. A-Katsastus is not a party to the trade.

A vehicle insurance including a financial security (rahoituskasko, financial casco) is mandatory what comes to hire purchase financing and it is taken care of at A-Katsastus during the same visit. Furthermore the signing of the deed and registration matters will be handled for you at A-Katsastus. All owners of the vehicle need to be present when signing the deed. A power of attorney or mandate is prohibited to prevent cases of misconduct.

Buyers of vehicles, please note:

• Go to OP’s website and fill in a preliminary financing offer, before you book a time at A-Katsastus
• Carry a photo ID, banking codes and means to access your internet bank
• The buyer of the car must carry a valid driver’s licence

Sellers of vehicles, please note: 

• Carry a photo ID, banking codes and means to access your internet bank for a possible down payment as well as to creating a digital certificate on Traficom
• Bring your bank account number