Instalments make the financing of your treatment easy and flexible. You can effortlessly apply for a financing decision on the Svea Bank website or at a Pihlajalinna clinic before your treatment, procedure or operation.

Instalments enable you to divide your payment between up to 60 months, and financing can be applied for up to EUR 15,000. The credit decision arrives quickly, by the next weekday at the latest, and you can determine the monthly instalment and repayment period according to your needs. We offer a 30–60-day repayment period free of interest and costs.

How Svea Bank instalments work:

  1. Apply via SMS, online or at our clinic.
    We recommend applying for an advance instalment decision with a slightly larger sum than the cost estimate of your treatment. Remember to ask your physician or the clinic for a cost estimate before applying for financing.
  2. Select the monthly instalment and repayment period suited for your needs.
  3. The credit decision arrives quickly; by the next weekday at the latest.
  4. You will receive the invoice via e-mail or normal mail.

The instalments constitute a one-time credit with the precondition of an approved credit decision, at least 21 years of age and permanent residence in Finland. We will check the applicant’s credit status and submit an inquiry to the consumer credit status system of Suomen Asiakastieto Oy. If you receive a negative credit decision, you have the right to apply for a new credit decision by contacting the customer service of Svea Bank and submitting additional information.

Example calculation

Representative example of typical use of part payment with 500 € credit, payback period of 10 months. Total credit cost 40,02 € (set-up fee 5 €, 15 % interest rate (but not more than the maximum interest rate in accordance with Section 7:17a § of the Consumer Protection Act) and credit fee 0 €/month), effective interest rate 18,50 %. The credit price according to the Consumer Protection Act is 540,02 €. Monthly repayment in the example calculation is 53,50 €. Svea can agree on different prices with the seller. The financing decision granted to you is valid for 60 days.

Treatments and measures aimed at restoring or maintaining health and working capacity are exempt from VAT (0%). Aesthetic surgery and treatment are subject to VAT (24%) when it involves changing the appearance of the body to meet the client’s wishes.


Send a text message with the keyword pihlajalinna to 045 739 50161 and you will receive a return message with a link to fill in the application online.

Learn more about the credit terms and conditions and the privacy statement of Svea Bank here (in Finnish).

Svea Bank AB, Filial i Finland, Mechelininkatu 1a, FI-00180 Helsinki, Finland, contact the customer service via telephone, tel. +358 (0)9 4242 300, or by using the contact form.