Home › Buy now, pay later › Svea
The selections are made by others. Suomen Paras has not evaluated these selections, and they do not affect the Suomen Paras Score. All recognitions
On the basic metrics alone, the score was 66.7 and the rank 3. The score is now 40.3 and rank 3 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Svea (Svea Payments Oy, osa Svea Bank AB:tä) tarjoaa aktiivisesti kuluttajan laskua ja erämaksua verkkokaupan kassalla ja kuvaa mallin selkeästi suomeksi: laskulla on vähintään 14 päivää maksuaikaa ja operoiva yhtiö valvontoineen kerrotaan avoimesti. Euromääräiset laskutuslisät, erämaksun korko ja maksuajat eivät kuitenkaan näy sivulla vaan luottoehdoissa ja kaupan kassalla, joten hintojen löydettävyys jää heikoksi.
Buying motives were checked on 12.10.2026 and basic metrics measured on 9.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Actual annual interest rate of the instalment payment | 22 p × 2,7 % | 0.6 |
| Interest-free payment period | 12 p × 0.0 % | 0.0 |
| Monthly cost | 10 p × 40.0 % | 4.0 |
| Due date postponement | 6 p × 40.0 % | 2.4 |
| Basic metrics | 50 % × 66,7 | 33.4 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Actual annual interest rate of the instalment payment NOTEIn the calculation the credit interest rate is 20% and the handling fee is 3 euros per month. The short 12-month payment period raises the share of the fixed fee. | 29.6% (€1,000 credit, 12 months) | svea.com checked 12.10.2026 | 0.6 / 22 |
| Interest-free payment period | The length of the interest-free payment period is not stated in the payment solutions section of Svea's consumer pages, in the frequently asked questions or in the general terms of purchase credit. | svea.com, consumer credit information · svea.com, payment solutions, FAQ checked 12.10.2026 | 0.0 / 12 |
| Monthly cost | Handling fee €3/month | svea.com checked 12.10.2026 | 4.0 / 10 |
| Due date postponement NOTEAccording to the terms, changing the due date on request is charged at €5, up to a maximum of €20 per year. | The transfer can be done through customer service, not on My Pages | svea.com checked 12.10.2026 | 2.4 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 86,5 | 25.9 |
| Transparency | 30 % × 47,5 | 14.2 |
| Reachability | 20 % × 57,5 | 11.5 |
| AI quality score | 20 % × 60,1 | 12.0 |
| Certification bonus | max +3.0 | +3,0 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 67/100 | Technical measurement | 26.8 / 40 |
| Accessibility | 99/100 | Technical measurement | 29.7 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Invoicing or payment method surcharge displayed in euros OBSERVATIONmaksuratkaisut-sivu kuvaa laskun ja erämaksun, mutta ei esitä euromääräistä laskutuslisää; kulut ohjataan toimitus- ja luottoehtoihin ('Tutustu toimitus- ja luottoehtoihin tästä'). | No | Website + AI extraction | 0.0 / 25 |
| Interest-free payment period (in days) stated OBSERVATIONMaksuratkaisut: 'Saatuasi laskun on sinulla vähintään 14 päivää aikaa maksaa se.' | Yes | Website + AI extraction | 20.0 / 20 |
| Effective annual interest rate or credit interest of instalments displayed OBSERVATIONerämaksun luottokorkoa tai todellista vuosikorkoa ei esitetä sivulla; 'valittavissa olevat erämaksuajat näytetään verkkokaupan kassalla'. | No | Website + AI extraction | 0.0 / 20 |
| Payment reminder and debt collection fees stated OBSERVATIONSivun asiakaspalveluosio: 'Saitko laskun tai perintäkirjeen ...', perintä mainitaan, mutta muistutus- tai perintäkulujen euromääriä ei ilmoiteta. | Partly | Website + AI extraction | 7.5 / 15 |
| Lender or Business ID shown OBSERVATIONMaksuratkaisut: 'Maksuratkaisumme toteutuksesta vastaa konserniyhtiömme Svea Payments Oy, joka on Finanssivalvonnan alaisuudessa toimiva maksulaitos'; alatunniste 'Svea Bank AB, filial i Finland, Mechelininkatu 1a, 00180 Helsinki'. | Yes | Website + AI extraction | 10.0 / 10 |
| Finnish-language contract terms and support OBSERVATIONKoko kuluttajasivusto ja luottoehdot ovat suomeksi; asiakaspalvelun puhelin 09 4242 300 ja usein kysytyt vastaukset suomeksi. | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown | Partly | Website + AI extraction | 7.5 / 15 |
| Chat support | No | Website + AI extraction | 0.0 / 15 |
| Opening hours shown | No | Website + AI extraction | 0.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | Partly | Website + AI extraction | 5.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 72/100 | AI analysis | 24.5 / 34 |
| Findability of pricing | 34/100 | AI analysis | 11.2 / 33 |
| Content coverage | 74/100 | AI analysis | 24.4 / 33 |
| Certification | Status | Bonus |
|---|---|---|
| ISO/IEC 27001 (information security management system) OBSERVATIONsvea.com/fi-fi/kuluttajat/maksuratkaisut | Verified | +1,5 |
| ISO/IEC 20000 (IT-palvelunhallinta) OBSERVATIONsvea.com/fi-fi/kuluttajat/maksuratkaisut | Verified | +1,5 |
Verified certifications and audits add to the total score (max +3.0). How the bonus is calculated →
Are you a Svea customer? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +28.2 points: 40.3 → 68.5, rank 3 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
