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Fibre connection

Different ways of paying for a fibre connection

There are different ways to pay for a fiber connection. You can usually choose whether you want to pay the full amount when the fiber connection is completed or split the payment. You should check if it is possible to change the payment options after the installation has started or after you have received the final invoice already when you enter the agreement if you would need it.

Page summary

You can pay for your fiber connection in several ways: all at once, in installments through the provider, via a bank loan, or together in an association. A credit check is performed for installment payments. Bank loans and credit cards always involve interest. Feel free to ask about terms before you decide.

You can pay everything at once

A one-time payment means that you pay the entire connection fee at once. You will receive an invoice that must be paid by the last payment date stated on the invoice, for example, within 30 days. However, there are no rules specifying how long the due date should be on an invoice.

Installment payment via the provider

Sometimes the provider offers you to pay the installation in installments. An installment payment is usually over 12, 24, or 36 months. Sometimes you may be offered interest-free installment payments. Installment payment means that you pay afterward. An installment payment for a fiber connection is a loan (a credit) covered by the Consumer Credit Act.

Before you can pay in installments, the credit provider used by the fiber provider must conduct a credit check. If you are not allowed to pay in installments after a credit check, you have the right to know why. If you do not pay the loan/installment on time, the credit provider may have the right to terminate the credit and demand that you pay off the remaining part of the loan in full.

If a company violates the rules of the Consumer Credit Act, you can get advice and guidance from several independent bodies; the Consumer Agency’s information service, your municipal consumer guidance, and the Consumers’ Banking and Finance Bureau.

Bank loan

It is possible to finance your fiber installation via an unsecured or personal loan. You then apply for a loan from a bank. The bank will then conduct a credit check. If the bank approves the loan, the money is paid directly to your private bank account. You can also use your credit card if you have one. These options always involve an additional interest cost. The loan is then repaid by monthly amortizing the debt.

If you pay via an association solution or community

In some areas, households join together in a fiber association. Then the cost may potentially be lower, and payment can be made in stages.

To the Consumer Agency's information service Here you can search for your municipal consumer guidance. To the Consumers' Bank and Finance Bureau

Frequently asked questions

Is the provider allowed to charge an invoice fee?
If the operator charges an invoice fee, it must be stated in the agreement. The invoice fee should be stated in the agreement or the operator’s price list. Most operators offer alternatives to sending out paper bills such as e-invoice or direct debit. If you choose one of these options, you can often avoid paying...
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I’ve bought a property and now the provider wants me to pay for the connection even though it was ordered by the previous owner. Do I have to pay?
The agreement for fiber installation is tied to the property. If the previous owner has not paid for the connection, and you have no agreement on who should pay, it is the owner of the property, you, who is liable for payment when the connection is completed and needs to be paid. Therefore, it is...
To page "I’ve bought a property and now the provider wants me to pay for the connection even though it was ordered by the previous owner. Do I have to pay?"
Do I have to pay an invoice fee?
Yes, but the invoice fee must then be stated in the agreement. Most operators offer alternatives to sending out bills in paper form, such as e-invoice or direct debit. If you choose one of these options, you can often avoid paying the invoice fee. Check with your operator if you can do something to avoid...
To page "Do I have to pay an invoice fee?"
Am I entitled to ROT and RUT tax deductions?
Tax reduction for work is granted for certain work performed on small properties owned and used by the person applying for the tax reduction. Only the labor cost is covered by the tax reduction.
To page "Am I entitled to ROT and RUT tax deductions?"
What happens if I’m late with a payment on a credit purchase or instalment plan?
If you are repeatedly late with payments, there may be special reasons for the lender to terminate the credit. This means that you will then need to pay the entire amount you owe at once.
To page "What happens if I’m late with a payment on a credit purchase or instalment plan?"
What happens if I’m late with a payment on an interest-free instalment plan?
Sometimes the lender offers interest-free installment payments over 12, 24, or 36 months. In these cases, the general terms may state that if you are late with a monthly payment, you breach the agreement and instead enter into a credit agreement with interest. Interest can then be up to 20%. This means that the purchase...
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Can the provider charge interest on instalments?
Installment payments can be made both with and without interest. In connection with a credit agreement, the lender must provide information about the interest rate applicable to the installment payment. The loan’s effective interest rate must be stated in marketing, in pre-purchase information, and in the documentation of the agreement. In the agreement, the credit...
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Can I pay off the full amount of an instalment plan early?
You always have the right to pay off parts of or the entire debt before the agreed due date (settle the debt). If you choose to settle, you should then pay interest and other costs for the credit for the time up to the early repayment but not for the time thereafter. The lender may...
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I’ve received a copy of a credit report – why?
The operator has the right to perform a credit check before entering into a binding subscription agreement with you. After the credit check, you should receive a written notice sent home about what information has been disclosed. You receive it automatically and free of charge from the credit reporting company that provided the credit report.
To page "I’ve received a copy of a credit report – why?"
I have a disability that prevents me from using certain payment methods – what can I do?
Some operators offer you who are disabled to have the bill read aloud by customer service or in Braille. Check with your operator what options are available.
To page "I have a disability that prevents me from using certain payment methods – what can I do?"

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