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PayU Online credit

New payment method so you can shop anything you want

Shop 24/7: buy now and pay in 30 days or in online installments

Now you can buy online everything you wished for

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Shop online even if you don't have money

you don’t have to pay upfront, you can get a loan even in few seconds after the first purchase*

*Valid for recurring transactions

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Pay when it’s convenient for you

in 30 days or in flexible online installments from 4 to 60 months

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Don’t miss any opportunity

you can catch discounts during sales or you can buy online as many times as you want

HOW IT WORKS

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FAQ’S

Who is our partner?

TBI Credit IFN SA registered in Bucharest. TBI Credit operates in Romania since 2003 and it is a part of a Dutch financial group TBIF Financial Services BV, one of the main financial market operators in Central and Eastern Europe. PayU is an intermediary in the transaction and the credit will be granted by our Partner, subject to its decision.

The main shareholder of TBI Credit IFN is TBIF Financial Serview2ces BV in the Netherlands, with a contribution of 99.99% to the company's share capital. As a member of an international group TBI Credit specializes in providing quality financial services.

When you choose to pay with PayU Online Credit in installments

When can I use this payment method?

You can pay in online installments for purchases 300-20.000 Lei. The number of installments is between 4 and 60 depending on the e-shop category.

How many products can I buy with installments?

It’s up to you. You can buy one or more products. It doesn’t matter what you’re buying. You can buy whatever and whenever you prefer. You will be assigned a credit limit with the first transaction and you can use it whatever way you choose, in any PayU partner e-shops you want.

What happens when I return the purchased items?

If you wish to return the purchased product, the first step is to send a refund request to the online shop you bought it from.

After this request is approved, the refund is handled between the e-shop, PayU and our financial partner. Your credit limit will be filled again with the transaction value of the returned products.

What happens if I have been refused a loan?

Nothing. The products will not have been purchased. The purchase of the products happens automatically once the loan has been approved by our financial partner.

Representative example for online installments:

Transaction value

5.367 Lei

Installments number

60

Interest rate

34,8%

Analysis fee

170 Lei

Installment value*

195,8 Lei

Total payment amount *

11.753 Lei

APR

37%

*The above calculation is representative for the transaction taken as example in the given circumstances.

When you choose to pay with PayU Online Credit up to 30 days

When can I use the service?

You can pay in 30 days for purchases 50*-20.000 Lei (*100 Lei for first transaction).

How do I pay for the purchase?

The purchase is paid on your behalf once you have signed a loan agreement with our financial partner. And you will pay back the amount to our financial partner in 30 days.

What happens if I don’t pay for the purchase within the 30-day period?

Before the end of the 30-day grace period you can decide to pay without any additional costs. If you can’t pay the full amount, you can split it in online installments: you can choose between 4 and 60 online installments (see above the requirements of PayU online credit in installments).

What happens when I return the purchased items?

If you wish to return the purchased product, the first step is to send a refund request to the online shop you bought it from.

After this request is approved, the refund is handled between the e-shop, PayU and our financial partner. Your credit limit will be filled again with the transaction value of the returned products.

Will I get a notification about the upcoming payment before the end of the 30-day period?

If you selected a deferred payment, you will receive a notification before the end of the 30-day grace period.

Representative example for PayU Online Credit up to 30 days:

Transaction value

300 Lei

Repayment term

30 days

Interest rate

0%

Analysis fee

0 Lei

Total payment amount*

300 Lei

APR

0%

*The above calculation is representative for the transaction taken as example in the given circumstances. In the case of non-repayment, the costs incurred are the costs of the credit line: the interest rate of 32%, the monthly administration fee of 5 lei / month and the APR will be 63.58%. In this case, the APR is calculated taking into account that the full payment of the transaction is made for a period of 12 months by monthly payment only of the minimum amount due, and in the 12th month the outstanding balance is paid in full.