Customer Support

We are here to help you with all questions regarding loans and investments.

Borrower Support

Contact us regarding loans:
FI/SE/EN: 020 7344 530
(0,0835€/call + 0,1669€/min)

Send us email:
info@fixura.com

Open on Tuesdays and Thursdays from 9 AM to 3 PM.

Investor Support

Contact us regarding investments:
FI/SE/EN: +358 40 0603 633
FI/SE/EN/DE: +358 40 0839 284

Send us email:
invest@fixura.com

Open on business days from 9 AM to 3 PM.

You can also contact us via chat.

FAQ

Check out the answer to your question from our most frequently asked questions. If you don’t find the answer to your question, please contact our customer support.

Borrower

Fixura is a company whose concept and purpose is to bring people hoping to borrow money together with
those hoping to lend money. Fixura acts as a flexible marketplace for such interaction and as a part of Fixura’s
operations the company arranges Loans between Investors and Borrowers.

To have the possibility to be granted a Loan through Fixura, the person shall:

  • have full legal capacity and be between 21 – 68 years of age;
  • have been living permanently in Finland for at least two years;
  • have regular income;
  • have provided Fixura necessary information required to evaluate creditworthiness;
  • not have credit defaults or overdue Loans; and
  • not be a board member of a company with credit defaults.

The annual nominal interest rate used in repayment schedules in Fixura Loans with a reducing interest is 2,90
– 9,90%. The nominal interest rate starts as agreed on the Loan Agreement and will be reducing by 0,1
percentage point monthly if the Borrower has paid the monthly instalment according to the repayment schedule
before a reminder has been sent to the them. The nominal interest rate is however always at least 2,9 % p.a.

If the Borrower does not pay the monthly instalment on time and a reminder is sent, the interest rate will not reduce according to the original repayment schedule, which means that the Interest will stay at the same rate as earlier agreed or reached. If the Borrower pays all the monthly instalments late, meaning after Fixura has sent a reminder, the Interest will not reduce at all and the nominal rate agreed on the Loan Agreement shall be applied.

The original repayment schedule and the monthly instalments have been counted based on the assumption that the Borrower will pay all the monthly instalments in time by the due date. If the Borrower pays the monthly instalments late, the interest rate will not reduce according to the original repayment schedule, which means that the capital of the Loan will reduce slower than what has stated in the repayment schedule. In this case, the remaining unpaid capital of the Loan will be included into the last instalment of the repayment schedule, to which the Borrower can get a new repayment schedule if needed. By the Borrowers request Fixura can send a chart that shows the instalments, due dates and other payment conditions.

Investor

Fixura is a company whose concept and purpose is to bring people hoping to borrow money together with
those hoping to lend money. Fixura acts as a flexible marketplace for such interaction and as a part of Fixura’s
operations the company arranges Loans between Investors and Borrowers.

With the Autoinvest function the system carries out Investments on behalf of the Investor. The system strives to diversify the risks by dividing the Investment into multiple Loans. The Autoinvest function diversifies the free capital so that a maximum portion of 3,00 % of the Investors free capital will be invested into one Loan, with a minimum amount being 20,00 euros. The invested amounts to one Loan can differ from 20,00 euros to a maximum of 1 000,00 euros. Investments in the Loans bought from aftermarket may anyhow be below 20,00 euros. Because the maximum amount that can be invested in one Loan is 1 000,00 euros, it is possible that a situation occurs where one Investor alone invests 1 000,00 euros to a Loan if the other Investors have not given an offer for the Loan in question.

Fixura highlights that the Autoinvest function does not actively seek for more suitable or profitable investments for the Investors. Fixura does not help the Investors analyze or capitalize Investments, and the services Fixura offers does not include financial advising or other financial services. Fixura has no responsibility of the profitability of the Investments made through the Autoinvest function.

Fixura underlines that the Investor should acknowledge that with every Investment there is a risk of losing the capital partly or entirely. The main risks regarding peer-to-peer loans are the Borrowers insolvency, a situation where the Borrower is not able to pay the Loan partly or entirely and the deviation from the return expected by the Investor. The Investor shall notice that among other things the profit will be lower if the Loan is paid before the end of the repayment schedule.

Fixura strives to offer a flexible marketplace for Investors where the Investments are suitable for aftermarkets. However, Fixura cannot guarantee the functionality and efficiency of the aftermarkets. Therefore it is not guaranteed that the Investor can always transfer the rights and obligations of an Investment to another Investor. The Investor cannot necessarily liquidate the Investments made to the Loans when they wish to do so and the maturity of the Investment can significantly differ from what the Investor has expected when making the investment. The Investor shall consider that the profit history of the loans will not guarantee profits in the future. The best way to minimize risks and credit losses is through diversification.

Before accepting the loan application, Fixura will assess the Borrowers creditworthiness from third party credit information registers, from transactions in the Borrowers bank account and Fixura´s client and credit registers for ensuring the Borrowers financial situation. Fixura strives to minimize the risk for Investors by credit scoring, excluding people with credit defaults or unreliable credit information and by transferring or selling unpaid Loans to a debt collection agency. Fixura checks the Borrower’s credit default status through Bisnode Finland Oy or Suomen Asiakastieto Oy but Fixura cannot guarantee that the status is correct. If the Borrower does not pay the monthly instalments, the debt will be transferred to a collection agency or sold entirely to a third party. Fixura sells the Loan to a third party for the price at the current time listed in the Price List. Fixura also has the right to buy the Loan for corresponding price.

The Borrower has legal right to ask Fixura for an extended repayment period, e.g. in case of unemployment or illness. If necessary, Fixura may change the due date or modify the original repayment schedule. The agreed Interest will be charged of the remaining Loan amount. The Borrower may repay the Loan at any time, in which case the Interest that has not accured will not be charged.