PayU | Raty​ – installment system

Allow yourself more with PayU | Raty [installment system]

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Are you sure 0%?

A 0% loan agreement is concluded between the borrower and the lender, i.e. Alior Bank S.A., mBank S.A., Kreditech Polska Sp. z o.o. or AS INBANK S.A. Branch in Poland. Representative example: total loan amount: PLN 1,000.00, APRC: 0.00%, fixed interest rate 0%, total amount to be paid: PLN 1000, total cost: PLN 0.00 (including: commission: PLN 0, interest: PLN 0), 10 equal monthly installments of / PLN 100 each. The following repayment periods are available for the 0% Loan: 3, 5, 6 or 10 monthly installments. Terms of the offer as at 14/03/2019. The Partner is entitled to offer a different loan period than the one requested by the Customer, if it results from the Customer’s creditworthiness test. The granting of a 0% loan depends on the positive assessment of the creditworthiness of the potential borrower by the Partner. The granting of a 0% loan depends on the acceptance by the client of the final terms proposed by the Partner. PayU S.A. with headquarters in Poznań, cooperates with lenders and mediates in concluding the abovementioned agreements. This material does not constitute an offer within the meaning of the Civil Code and is for information purposes. The 0% Loan Regulations under the PayU installments are available here.

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Payment in installments with PayU is possible when:

  • the cost of the goods with delivery is in the range of PLN 300 – 20,000
  • the buyer has not chosen payment on delivery.

The entity granting the installment loan for purchases is one of the PayU loan partners: Alior Bank S.A., mBank S.A., Kreditech Polska Sp. z o.o. or AS INBANK S.A. Branch in Poland. The lender guarantees the application in 100% online and the credit decision in real time, also ensures data security in accordance with industry standards. The information transmitted is encrypted, not saved anywhere or disclosed to third parties. PayU acts as an intermediary between the borrower and the financial institution. The seller is not a party to the loan agreement.

Nothing, because the purchase of items takes place only after: successful verification of the authorization transfer, positive decision of the lender and acceptance by the seller.

Within at least 14 days of receiving the order, the buyer sends to the store a declaration of resignation from the purchase and returns the goods. Withdrawal from the sales contract does not result in the withdrawal from the loan contract. The seller is therefore obliged to return the money to the buyer after accepting the return. The buyer informs the lender of resignation from the purchase, repays the loan and closes the contract with the lender.