Kreditilla

Kreditilla is a Finnish adessive form meaning “on credit” or “with credit,” used to describe a purchase or arrangement where payment is deferred and the buyer receives goods or services before full payment. The term is common in everyday Finnish and in retail contexts, often appearing in advertisements or spoken language to indicate a credit-based purchase.

Grammatically, kreditilla is formed from the loanword krediitti or kreditti with the adessive suffix -lla. In more formal Finnish, similar concepts are often expressed with luotolla (on loan) or osamaksulla (in installments). Kreditilla carries a somewhat informal, shopper-friendly nuance and is frequently encountered in casual retail dialogue.

Usage notes: The phrase signals an agreement with a creditor, retailer, or finance company, rather than describing a specific financial instrument. The exact terms—such as interest, fees, and the repayment schedule—depend on the contract offered by the seller or lender. Consumers should review credit terms carefully and understand when payments begin, what fees may apply, and what happens in case of late or missed payments.

See also: luotto, osamaksu, rahoitus, kuluttajansuoja.