Home › Buy now, pay later › Walley
On the basic metrics alone, the score was 63.4 and the rank 4. The score is now 37.7 and rank 4 (no change). The difference comes from the buying motives: they measure what a buyer asks before deciding.
Walley (Norion Bank AB, Suomen sivuliike Y-tunnus 2644718-5) esittelee lasku- ja erämaksuvaihtoehdot selkeästi suomeksi ja kertoo luotonantajan avoimesti. Euromääräiset laskutuslisät, erämaksun luottokorko ja muistutuskulut eivät kuitenkaan näy HTML-sivuilla vaan ladattavissa sopimusehdoissa ja kaupan kassalla, joten hintojen löydettävyys jää keskitasolle.
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 × 0.0 % | 0.0 |
| Interest-free payment period | 12 p × 0.0 % | 0.0 |
| Monthly cost | 10 p × 0.0 % | 0.0 |
| Due date postponement | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 63,4 | 31.7 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Actual annual interest rate of the instalment payment | The interest rate on instalment payments is not stated on Walley's front page, customer service page, app page or the What is Walley page. | walley.fi, customer service · walley.fi, Walley app checked 12.10.2026 | 0.0 / 22 |
| Interest-free payment period | Payment time is not stated on Walley's front page, customer service page, app page or What is Walley page. | walley.fi, customer service · walley.fi, Walley app checked 12.10.2026 | 0.0 / 12 |
| Monthly cost | Monthly costs are not stated on Walley's front page, customer service page, app page or the What is Walley page. | walley.fi, customer service · walley.fi, Walley app checked 12.10.2026 | 0.0 / 10 |
| Due date postponement | The due date can be postponed in the Walley app | walley.fi checked 12.10.2026 | 6.0 / 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 % × 74,5 | 22.3 |
| Transparency | 30 % × 60,0 | 18.0 |
| Reachability | 20 % × 55,0 | 11.0 |
| AI quality score | 20 % × 60,1 | 12.0 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 45/100 | Technical measurement | 18.0 / 40 |
| Accessibility | 100/100 | Technical measurement | 30.0 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 77/100 | Technical measurement | 11.6 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Invoicing or payment method surcharge displayed in euros OBSERVATIONwalley.fi:n asiakaspalvelu- ja etusivu kuvaavat laskun ja erämaksun, mutta eivät esitä euromääräistä laskutuslisää HTML-tekstissä; kulut ovat ladattavissa sopimusehdoissa. | Partly | Website + AI extraction | 12.5 / 25 |
| Interest-free payment period (in days) stated OBSERVATIONAsiakaspalvelu: 'mikäli olet valinnut luottotilin laskun, lähetetään ensimmäinen lasku ostosta seuraavan kuukauden puolivälissä', laskutusrytmi kerrotaan, korotonta maksuaikaa ei päivinä. | Partly | Website + AI extraction | 10.0 / 20 |
| Effective annual interest rate or credit interest of instalments displayed OBSERVATIONerämaksu tarjotaan ('joustava erämaksu'), mutta luottokorkoa tai todellista vuosikorkoa ei esitetä ladatuilla HTML-sivuilla. | Partly | Website + AI extraction | 10.0 / 20 |
| Payment reminder and debt collection fees stated OBSERVATIONAsiakaspalvelu: 'Jos olet saanut maksumuistutuksen ... sinun tulee ainoastaan maksaa muistutuskulu', muistutuskulu mainitaan, euromäärää ei kerrota. | Partly | Website + AI extraction | 7.5 / 15 |
| Lender or Business ID shown OBSERVATIONAsiakaspalvelu: 'laskussasi mainitaan Norion Bank AB'; alatunniste: 'Suomen sivuliike - Y-tunnus 2644718-5'. | Yes | Website + AI extraction | 10.0 / 10 |
| Finnish-language contract terms and support OBSERVATIONKoko sivusto ja asiakaspalvelu ovat suomeksi; yhteydenotto suomeksi sähköpostitse hello@walley.fi ja usein kysytyt -osio suomeksi. | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Partly | Website + AI extraction | 15.0 / 30 |
| Email shown | Yes | Website + AI extraction | 15.0 / 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 | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 66/100 | AI analysis | 22.4 / 34 |
| Findability of pricing | 42/100 | AI analysis | 13.9 / 33 |
| Content coverage | 72/100 | AI analysis | 23.8 / 33 |
Oletko Walley-palvelun asiakas? Kerro kokemuksesi. 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 +62.3 points: 37.7 → 100.0, rank 4 → 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.
