How does PayU Installments 5x0% work?
How does it work?
- Add products worth PLN 100 to PLN 3,000 to your cart, select the delivery method and the 5-installment 0% payment option.
- Complete the loan application and confirm your identity with a PLN 1 transfer or SMS code.
- Sign the loan agreement using the code received via SMS and wait for your order. In the meantime, PayU will transfer the funds to us on your behalf.
- You will receive all details regarding the loan agreement and repayment schedule by email directly from the bank.
- You will pay the first installment only 30 days after the date of purchase.
1. How do “5×0%” installments work?
Order everything you need and pay in 5 free PayU installments (APR: 0%). After selecting the "5x0%" option, we'll display a form to fill out, and you'll receive a credit decision within moments. Payment for your order is transferred to us immediately, and you begin paying in convenient installments 30 days after purchase.
2. What data do I need to provide?
The application requires you to provide personal information such as your name, surname, and address, as well as declare your income. No document scans are required.
3. What is the fee?
"5x0%" installments are a no-cost option. The APR is 0%, meaning no additional fees are added to the cost of the products (including any shipping costs).
4. Is the shipping cost included in the installments?
Yes, the loan also covers possible transportation costs.
5. Why do I have to pay 1 PLN?
To confirm your identity, your bank may ask you to make a verification transfer of PLN 1. This amount will be refunded to you in full. If you are a customer of the bank, you can also confirm your identity using an SMS code – in which case a verification transfer is not required.
6. How is the contract signed?
You don't have to wait for the courier to deliver your package. You can sign the contract online using a text message code.
7. How do I repay my installments?
When you sign a loan agreement, you'll receive all the information you need for repayment in your banking app or by email—such as the account number, amount, and repayment schedule. You have 30 days to repay the first installment!
8. What happens if I don't pay the first installment within 30 days?
Interest will be charged in accordance with the information sent by the Financing Organisation together with the loan agreement.
9. What if I return products?
You make your return as usual. Once we receive your returned items, the amount will automatically reduce your bank liability.
10. Who gives me a loan?
Financing Organizations that cooperate with PayU under separate agreements. The current list of such Organizations is available HERE .
11. What happens if I don't get the loan?
If the Financing Organization does not grant you credit, your purchase will not be processed. In this case, you can still complete your purchase by returning to the store and selecting a different payment method.