20 Instalments 0% Interest No Extra Charge

See how it works:

1. Add your products and head to the checkout

2. Fill in necessary information and select PayU as payment method

3. Select "instalments" and fill in loan application

4. You'll receive your credit decision even in 10 minutes

When can you buy an item with instalments?

Our instalment system is innovative and available completely via the internet. It's possible this way thanks to our cooperation with PayU and Przelewy24. Whenever you're buying an item worth at least 300 PLN to 50 000 PLN you can select instalment payment. The bank will check credit history in BIK and will make a decision whether to allow instalment payment or not.

Who offers instalment payment, and how exactly does it work?

Banks that offer possibility of instalment payments are Alior Bank S.A., mBank S.A., Kreditech Polska Sp. z o.o., AS INBANK S.A. Division in Poland, Santander S.A. For the seller, the instalment payment works the same way as other internet payments. When the buyer selects the instalment payment from the list of possible payment ways, and the Bank declares them able for instalment payment, the transaction will be marked as "Complete" on the shop page. At that moment, we will begin to process your order. APR (Annual Percentage Rate) and the total cost of instalment are presented after you file in for instalment payment, as they are based on the number of instalments. Representative example: total amount of instalment payment: 1 257,00 PLN, APR (Annual Percentage Rate): 17.52%, variable interest rate: 6.5%, total amount to pay: 1 312,16 PLN, total cost: 131,87 PLN (which includes: commission: 76,72 PLN, interest: 55,16 PLN), 87,48 PLN paid monthly for 15 months. Offer conditions as of the day 04.07.2024 r. The bank is authorized to suggest different payment period than the one requested by the buyer after checking the credit score.

What happens if the instalments aren't granted?

Your order won't be carried out if the instalments won't be granted or if you won't complete the remaining steps after getting a positive instalment decision. The remaining steps are: confirming your identity and accepting the terms of instalment payments sent to you via SMS.

To complete your order you can go back to the shop and select another payment option.

More information:

How does it work

Terms and conditions

Frequently Asked Questions