J. bilfinansiering
Att köpa ett nytt eller begagnat fordon kan genomföras med flera olika finansieringslösningar när kontantköp inte är ett alternativ.
J. hire purchase : a new car with flexible instalments through car financing
How does car financing work?
When paying in cash is not an option, J. Rinta-Jouppi’s affordable and secure car financing offers a flexible solution that allows the vehicle to be paid in smaller monthly instalments. In hire purchase, the customer repays the price of the car monthly in instalments consisting of principal, interest, and processing fees. Ownership transfers to the customer once the loan is fully repaid; until then, the customer is the registered user of the vehicle.
- Find a suitable vehicle
- Contact a salesperson
- The salesperson requests the information needed for a credit decision (monthly instalment amount, payment period, etc.)
- The salesperson applies for the credit decision
- After approval, the financing contract and sales agreement are signed
- The vehicle is yours!
Traditional hire purchase (J. hire purchase) is the most common financing model – over half of Finnish car buyers use it. It is an easy and safe way to finance a vehicle, and all our motor vehicles can be purchased with financing.
You receive a credit decision instantly, and we handle all paperwork. No guarantors are needed since the car serves as security. A VAT-registered buyer purchasing a VAT-deductible vehicle can deduct the VAT immediately. The interest rate remains fixed for the entire contract period (up to 72 months).
How can I influence the monthly instalment amount?
Three factors affect the monthly instalment:
- Payment period::Up to 72 months for smaller monthly costs.
- Down payment:: The initial payment reduces monthly instalments or shortens the loan period. An exchanged vehicle’s value also counts.
- Final larger instalment (“balloon payment”): Allows smaller monthly payments. When the final instalment is due, you can: pay it normally, trade in your vehicle, in which case we settle the remaining finance, negotiate arrangements with the finance company
Can instalments be changed during the contract? Yes, if your financial situation changes unexpectedly. You may also make additional payments or settle the loan early. Our partners include Danske Bank, Nordea, Santander, FORSO Autorahoitus and OP Pohjola. J. hire purchase is available for all our used cars as well.
Who can get car financing? Generally, applicants must have regular income, be of legal age, and hold a driving licence. Stable companies can also obtain financing. Under certain conditions, financing may also be granted to students, unemployed persons, start-up companies or individuals with payment defaults.
Car financing is a popular way to acquire a vehicle without a large upfront payment, suitable for both new and used cars. Explore our selection and buy a car with hire purchase – flexible and simple, even without a down payment.
Apply for a financing decision and check our current low-interest offers.
J. finance leasing: you pay only for the use of the car
J. Finance Leasing is a leasing agreement where the vehicle is obtained for a fixed period with a fixed monthly payment. The vehicle acts as collateral. At the end of the agreement, the car can be sold, for example, to a dealership, but it cannot be traded in for a new vehicle or freely resold. A residual value is set based on expected mileage. If the car is well maintained, the customer may receive a refund at the end.
Finance leasing suits companies that want to handle maintenance themselves and prefer unlimited mileage. The monthly payment includes VAT, which VAT‑registered companies can deduct.
It is a simple solution requiring no additional securities. Monthly payments can be adjusted by changing the lease period, residual value or first instalment. Available for many new vehicles sold by J. Rinta-Jouppi.
J. maintenance leasing: vehicle and servicing included in a monthly fee
J. Maintenance Leasing is a long-term leasing solution, mainly for companies. It includes more services than finance leasing. The fixed monthly fee covers:
- vehicle maintenance
- repairs caused by normal wear
- optionally insurance and replacement vehicle services
This ensures the company always has a new, professionally maintained car.
The financing company owns the vehicle and carries the residual value risk. The car is simply returned at the end of the contract – no selling or value risk for the customer.
Maintenance leasing is ideal for worry-free driving. Available for many new vehicle.
The financing calculator helps with planning
Use the J. Rinta-Jouppi financing calculator to plan a financing solution that suits you – even with zero down payment. Financing always requires a credit decision as well as comprehensive and traffic insurance.