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. The buyer, the seller, and the vehicle being sold must be present at the transaction. If the car has multiple owners, all parties acting as sellers must be personally present at the transaction. If there are multiple buyers, the same applies to them as well. To prevent misuse, a power of attorney is not acceptable.

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 license

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 create a digital certificate on Traficom
• Bring your bank account number