Where to find it
In the app: open Payments and look under your next payment for "Change my payments"
On the web: it's on your dashboard, under your upcoming payment
You will then see two options:
"I want to push my instalment plan forward by one month"
"I want to change my monthly instalment amount"
Both options carry a fee, and both are something you complete yourself. There is no need to contact us.
Important: changes apply to all of your orders
Whichever option you choose, the change applies to every active order on your account, not just one of them. If you have several orders running, they will all be affected together. There is currently no way to change just one order.
This is worth thinking about if you have one large purchase you want to stretch and a smaller one that is nearly paid off, since the smaller one will also be extended.
Option 1: I want to push my instalment plan forward by one month
This moves your whole payment plan one month forward. The current month becomes payment-free, apart from the fee, and your plan gains one extra month at the end.
How it works
Your instalment for this month is set to 0, and every payment moves one month later.
Cost
A fee applies, and the exact amount is shown before you confirm. The fee is charged on the last banking day of the current month. If your payment is already overdue when you push, the fee is charged straight away.
Can I still shop?
Not on instalments, for a while. After pushing, you cannot make new instalment purchases until your payments have caught up with the amount you pushed. You can still make purchases where you pay the full amount at once.
This lifts automatically once your payments cover the pushed amount. You do not need to contact us, and we cannot lift it manually.
How often can I use it?
A maximum of 2 times in any 12-month period
At least 3 calendar months must have passed since your last push
Your remaining balance must be at least 100 kr.
Option 2: I want to change my monthly instalment amount
This lowers your monthly payment and extends your plan to compensate.
How it works
You set your new monthly amount with a slider, or type the amount directly. We show you the range you can choose within. The new amount must be:
At least 100 kr. lower than your current monthly payment
At least 5% of your remaining balance, and never below 100 kr.
Depending on your balance, this means your plan can typically be extended to a maximum of around 20 months.
If your remaining balance is small (roughly under 2.000 kr.), it is often not possible to lower your payment at all, because there is not enough room between the 100 kr. minimum and your current payment.
Cost
A fee applies. The exact amount is shown to you before you confirm anything. The fee is divided evenly across all of your new instalments, so you do not pay anything extra up front.
Please note that lowering your monthly payment increases the total amount you repay. You are paying for a longer plan, and the fee for a longer extension can be significant. The exact figure is always shown before you confirm, so please take a moment to look at it.
Can I still shop?
Yes. This option does not affect your ability to make new purchases.
When does the new amount apply?
From your next instalment, at the end of the current month.
How often can I use it?
There is no yearly limit, but at least 2 calendar months must have passed since your last change.
What happens after you confirm
You will see a confirmation on screen straight away, and within a few minutes we send you an email containing your new credit agreement as a PDF. Keep it somewhere safe. If it does not arrive, contact us and we can send it again.
Nothing changes on your plan until you tap the final confirmation button. If you close the app partway through, your plan stays exactly as it was.
Can I undo a change?
No. Once you confirm, the change cannot be reversed and the fee cannot be cancelled. Please review the amount and the fee carefully on the confirmation screen before you continue.
If you later need to adjust again, you can do so once the waiting period for that option has passed.