InCar Financing – a flexible way to pay
Car damage repairs often come unexpectedly. InCar Financing offers an easy and flexible way to cover the costs (e.g. deductible or repair work). You can pay everything at once or split the amount into instalments. Enjoy up to 12 months of interest-free repayment. This way your car is repaired right away, and you decide how and when to pay. Financing is provided by Resurs Bank.
To make the process smoother, we recommend applying for a credit decision before visiting the workshop. If you decide not to use InCar Financing, it won’t cost you anything—so you can apply in advance without worry. You can also apply directly when visiting the workshop.
Why choose InCar Financing?
- Pay later, at your own pace
- 30–60 days until your first due date
- No opening fee, no card and no hidden costs—easy payment with just your ID
- Up to 12 months interest-free repayment
- Option to split payments into instalments and choose the plan that suits you best
- Revolving credit account you can also use for future purchases
Here’s how it works
- Apply online or at an InCar workshop—get a decision instantly
- Your first invoice arrives only the following month.
- Pay the total amount at once or in flexible instalments.
Apply easily
Track your credit online
Log in to Resurs Online Bank to check your balance, due dates and payment plan.
Still have questions?
Contact Resurs Customer Service on weekdays. 09 622 4308.
Read and download the InCar Financing Consumer Credit Information and Account Terms and Conditions:
Download General Terms and Conditions
Download Standard European Consumer Credit Information
Cost of financing
| Payment term | Annual percentage rate | Costs/month |
|---|---|---|
| 30–60 days | 0 % | 0 € |
| 12 mo | 0 % | 0.28%/month of credit limit, |
| 24 mo | 12,90 % | up to |
| 48 mo | 15 % + reference rate* | €12.50/mo. |
The reference rate refers to the rate under Section 12 of the Finnish Interest Act, published by the Bank of Finland every six months. If the reference rate changes, the customer’s total interest rate will change accordingly. However, the total interest rate cannot exceed 20%.
Example purchase: €1,000 with a 12-month plan. Annual interest: 0%. Credit cost/month: €5.60. Effective annual percentage rate: 6.07%. Total cost of credit: €61.60. Total payable: €1,061.60. Instalment/month: €88.93 (12 instalments). Credit cost is 0.28%/month of the agreed credit limit, up to a maximum of €12.50/month, charged with your monthly invoice. InCar Financing is revolving credit with a minimum credit limit of €2,000. Actual APR may be higher or lower depending on usage. Financing is provided by Resurs Bank AB, Finland branch.
Frequently Asked Questions about InCar Financing
InCar is a Finnish pioneer in damage repair
Today, InCar is Finland’s leading damage repair chain and a pioneer in the development of the industry, with more than 500 employees who excel at their work in more than 60 locations across Finland.
InCar aims to eliminate the annoyance and stress experienced by motorists in the event of and after a car accident. It sounds impossible, but we like to fix dents in cars and our industry on a daily basis.
The key flag indicates that the product or service has been manufactured or produced in Finland and employs people in Finland.
