Part payments

When you’ve made a purchase using your P.F.C. card, at any time within 90 days, you can choose to get your money back and spread the cost of your purchase over 3, 6 or 12 interest-free instalments.

No interest, no hidden fees

The only thing you pay, in addition to your debt, is a fixed monthly fee, which is determined by the size of the original purchase amount.

Freedom and flexibility

Back on track and no longer in need of an installment plan? You can at any time choose to pay the whole amount to avoid further fees.

Available at your fingertips

Enable the feature with a single tap in the app. You will only be charged once you choose to convert a purchase into installments.

If you don’t have the app yet, download P.F.C. for free to your smartphone or tablet and register.

Sign in and tap Groups on your home screen in the app.
In the pop-up window, tap Activate.
Note that we will do a credit check on you, then tap Continue.
Once the service is activated, you are eligible to convert purchases over 300 SEK made with your P.F.C. card within the past 90 days, for up to 10,000 SEK.
The credit is conveyed by P.F.C. and provided by Paynova AB (publ.)

In addition to the actual debt, which you can choose to pay in 3, 6 or 12 monthly installments (depending on the amount of the purchase), there is a fixed monthly fee of 10–50 SEK.

The fixed fee is determined by the size of the original purchase amount. Click here to see what the fee will be for different amounts.

Note that you pay a fixed monthly fee for each purchase that you choose to convert into installments.

Representative example:
For a used credit of SEK 10,000, calculated with a repayment period of 12 months, a monthly fee of SEK 50 and no interest, the total amount to be paid is SEK 11,146. This means a monthly cost of SEK 883 (APR 11,45%).


When you choose to part pay with us, we first run a credit check on you to make sure you won’t get yourself into any trouble by doing so.

This doesn’t affect your credit score in any way, and the credit check is valid for 90 days.

You’ll receive an in-app invoice each month until the full amount is paid.

P.F.C. is a digital financial service that provides people with tools to get smart about managing their money.

PFC Technology AB is a licensed payment institution authorized by the Swedish Financial Supervisory Authority (Finansinspektionen).

The money you put into P.F.C. is kept in a client bank account at Nordea, which, in turn, is covered by the deposit guarantee scheme.