Instalments and Leasing
Instalments and Leasing
Choose convenient financing: PayU instalments and 0% instalments, plus instalment and leasing offers via iPlatnosci.pl – quick decision, minimal paperwork.We listen to your needs, which is why we have introduced convenient purchase financing in partnership with trusted providers. This lets you easily match the payment method to your budget and growth plans: use PayU Raty (including 0% instalments), choose iRaty or iLeasing, or defer your payment with PayPo.
Below you will find a clear description of the entire financing process: how to choose an option in the basket, what the application involves, when you will receive a decision and how we process your order once the financing has been approved.
How do PayU 5x0% instalments work?
100% online, available for purchases from 100 PLN to 2000 PLN- Add products worth from PLN 100 to PLN 2,000 to your basket, choose a delivery method and the 5 instalments at 0% payment option.
- Fill in the credit application and confirm your identity with a PLN 1 bank transfer or an SMS code.
- Sign the credit agreement with the code from the text message and wait for your order. In the meantime, PayU will transfer the funds to us on your behalf.
- You will receive all the details of the credit agreement and the repayment schedule by email, directly from the bank.
- You pay the first instalment only 30 days after the date of purchase.
You order everything you need and spread the payment over 5 interest-free PayU instalments (APR: 0%). Once you select the “5×0%” option, we will display a form to fill in, and you will receive a credit decision within moments. We receive payment for the order straight away, and you only start repaying the convenient instalments 30 days after the date of purchase.
In the application you need to provide personal details such as your first name, surname and home address, and declare your income. No scanned documents are required.
The “5×0%” instalment plan is a no-cost option. The APR is 0%, which means that no additional charges are added to the cost of the products (including any shipping costs).
Yes, the credit also covers any transport costs.
To confirm your identity, the bank may ask you to make a verification transfer of 1 PLN. This amount will be refunded to you in full. If you are already a customer of that bank, you can confirm your identity with an SMS code instead, in which case no verification transfer is required.
There's no need to wait for a courier delivery. You sign the agreement online with an SMS code.
As soon as you sign the credit agreement, you receive all the information you need for repayment in your banking app or by email, such as the account number for repayment, the amount and the schedule. You have a full 30 days to pay the first instalment.
Interest will be charged in accordance with the information provided by the Financing Institution together with the credit agreement.
You make the return in the usual way. Once we receive the returned products, their value will automatically reduce the amount you owe the bank.
Financing Organisations that cooperate with PayU under separate agreements. The current list of these Organisations is available HERE.
If the Financing Institution does not grant you credit, your purchase will not be completed. In that case, you can still complete your purchase by returning to the shop and choosing a different payment method.
