You must be an account creator to apply for a Holvi Business Credit Card.
The following company forms are eligible for credit: Oy, Tmi, GmbH, UG, Freiberufler, EPU, e.K.
When you apply for a credit card (under Account settings > Cards > Order new) you can choose how you repay credit card transactions. Your repayment option is taken into consideration when we perform your individual assessment and credit check.
We offer several repayment options:
| Repay next month | Repay over time |
| Win some extra time | For maximum freedom |
|
Pay back this month's expenses at the end of next month. Or you can pay back in this month – interest-free. |
Pay back this month's expenses in 12 monthly instalments starting next month. Or you can pay back in this month – interest-free. |
Read more about our repayment options here.
About Holvi’s credit check
At Holvi, we practice responsible lending. Our flexible repayment options help you manage expenses and keep business running smoothly, but the first step in any credit card application is a credit check. Don’t worry, this is a normal process and won’t take long.
Our credit checks help us compare industry standard lending rates against your individual creditworthiness. This way we can make sure that our offer is appropriate for both parties. It helps you stay debt-free – which is good for everyone!
If your check goes smoothly, we’ll send you an offer for a Holvi Business Credit Card. Your offer is valid for 14 days. You can accept it right in your Holvi account.
After accepting, you’ll automatically receive your virtual credit card, which you can use immediately to make online purchases. You’ll also be prompted to order a physical credit card. This should arrive within 14 days.
What else informs our credit decision?
On top of our credit checks, our individual assessment is based on:
Your history as a Holvi customer
We also take a look at your payment and income history with Holvi. Positive behaviour as a Holvi customer can improve your chances of being approved, so make sure to not miss a payment.
Expense to income ratio
We take your average monthly income and subtract your average monthly expenses to calculate what's left over. This way we know you’ll be able to repay the minimum amount.