Peer to peer payments and split payments! Get ready to leave your bank. P2P payments Make instant payments via phone numbers of friends and family members. Register your debit card for free payments or credit card for payments with a nominal fee. Aur loans Aur consumer loans up to 1,000,000 ISK. Apply for instant loans ranging from 3 to 24 monthly repayments. Aur loans carry a fixed interest rate and payment fees. APR ranges from 15% to the legal maximum of 38%. Aur also provides short-term financing at Point-of-Sale for selected brands and partners. Example of payout of 1,000,000 ISK. loan for 12 months. APR is 20.92% the total cost of the loan, including the principal and all applicable fees is 1,106,250 ISK. Aur and its loan products are subject to Icelandic laws and regulations applicable to consumer loans. Aur app ehf. is registered with the Financial Supervisory Authority