Rensa's Services
With Rensa’s debt management service, you can get out of the debt cycle and improve your financial situation. Rensa offers its customers financial expertise, related guidance, and transparent, customer-oriented service designed to help you break the debt cycle and reorganize your debts.
Debt Management Service Options
All of Rensa’s debt management services help you get your debts under control at once, save on interest, and pay off your loans faster – all conveniently with one bill.
Submit an application, and together we will determine which debt management plan best suits your situation!
DEBT MANAGEMENT PLAN
BASIC
Rensa’s Debt Management Plan is a strategy for paying off debts, focusing on repaying debts from the smallest to the largest, regardless of installments or interest rates.
We list all your debts from the smallest to the largest. You start by paying off the loan with the smallest principal. Then you use the freed-up installment for paying off the next smallest debt. This process continues until all your debts are fully paid off.
Benefits:
Our debt management plan helps most of our customers save thousands of euros in interest costs and typically pay off all their debts 30–50% faster. All this is possible with one convenient monthly payment.
Requirements:
This service is suitable for everyone, regardless of whether you are currently unemployed or have a credit history mark. Following the plan is easier if you have a steady income.
DEBT MANAGEMENT PLAN
PREMIUM
The Debt Management Plan Premium has the same debt repayment strategy as the Basic service. In addition, we help you negotiate with your current creditors to reduce monthly installments, lower interest rates, get interest-free months, and extend the loan period. You get the same benefits as a consolidation loan but without taking out a new loan.
We guarantee you will get at least a 10% lower monthly installment, which will immediately improve your financial situation. If we fail to do so, we do not charge a success fee.
Benefits:
The Premium Debt Management Plan offers the same benefits as the Basic service, but additionally ensures you get at least a 10% lower monthly installment. We also suggest ways to improve your credit rating. Additionally, you get a personal phone or online meeting with our debt solution specialist.
Requirements:
This service is suitable for you if you have a steady income that can cover the new plan’s payments and you are not addicted to gambling.
DEBT MANAGEMENT PLAN
PREMIUM+
The Premium Plus Debt Management Plan includes all Premium benefits, including a new debt repayment strategy and a lower monthly installment.
Additionally, you get a consolidation loan where the smallest loans are combined into one. This loan is provided either by Rensa’s financing company, Refinance Ab Oy, or one of our partners.
Benefits:
In the Premium Plus Debt Management Plan, you get all the Premium benefits and additionally a consolidation loan where the smallest loans are combined into one. This ensures a significantly lower monthly installment while still allowing you to pay off your loan faster.
Requirements:
This service is suitable for you if you have a steady income, your income is sufficient to cover the new plan’s payments, and you do not have a gambling addiction or a credit history mark.
Additionally, the new loan provider will conduct their credit rating.
Are you ready to put your finances in order?
Yes, this is what I’ve been waiting for! I want a personalized RENSA debt management offer!
Frequently Asked Questions
You will have access to the OmaRensa service, where you will find:
- The new debt management plan
- The approved service agreement
- You can track your payments and how the funds have been transferred to your loans
- You can securely contact our customer service
Credits, including credit cards, remain valid, but we recommend avoiding their use. This helps you become debt-free faster.
Although you still receive bills from creditors, you can ignore them when you follow the new Rensa-prepared and billed debt management plan.
You will keep your credit rating intact as long as you follow the new debt management plan.
If a loan is terminated and sent to a collection agency, it can cause a payment delay mark. Additionally, if the debt is taken to court and receives a judgment, you can avoid a payment default mark if you pay the entire debt with interest and costs. The debt will go to enforcement if payments are not made, resulting in a payment default mark. The enforcement agency will then collect the debt according to the Enforcement Act.
If you have payment default marks and aim to restore your credit rating, Rensa’s Basic service is an excellent tool for resolving debts and clearing your credit records. This is because, once all your debts in enforcement are paid off, the payment default marks are removed within 30 days.
Yes, you will always get a tailored debt management plan from us, allowing you to pay off your loans faster.
If you have payment default marks and aim to restore your credit rating, Rensa’s Basic service is an excellent tool for resolving debts and clearing your credit records. This is because, once all your debts in enforcement are paid off, the payment default marks are removed within 30 days.
Additionally, if you have a steady income and are not addicted to gambling, you may be eligible to use our Premium service.
To be a Rensa customer, your main bank must be one of the following: Nordea, OP, Danske Bank, Handelsbanken, Säästöpankki, S-pankki, POP-pankki, or Ålandsbanken.
When it comes to adding loans and credits to the debt management service, almost all banks and lenders are possible.
Yes. You can call banks, financiers, and collection agencies yourself and try to negotiate debt arrangements with them. Rensa’s experts are financial professionals and negotiate similar deals daily – that’s why we believe we can achieve a significantly better outcome for you.
“RENSA helped me organize my debts into a clear payment plan. Now I’m well on my way to being debt-free!”
– RENSA’S CUSTOMER FEEDBACK –