PayU Online credit

New payment method now available at PayU,
shop 24/7 and pay later or in instalments

VALUE PROPOSITION – use the first 3 if there is no room

Shopping when your bank account is empty

you don’t have to pay upfront, you can get a loan even in 1 minute after the first purchase

You can pay when it’s convenient for you

in 30 days or in flexible installments from 3 to 60 months

You won’t miss any opportunities

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

HOW IT WORKS

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.

The main shareholder of TBI Credit IFN is TBIF Financial Services 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 pay in instalments

When can I use this payment method?

You can pay in installments for purchases 300-20.000 Lei. The maximum loan amount depends on the category of the e-shop you have been shopping at. The number of instalments is between 3 and 60 depending on the e-shop category.

How many products can I buy with instalments?

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.

What happens when I return the purchased items?

When you return the purchased product, the refund is handled between the e-shop, PayU and our financial partner. The loan is paid for you.

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 instalments:

For a transaction of 3000 Lei in fixed instalments, equal, deducted from the credit line corresponding to the virtual card issued by TBI Credit IFN SA, reimbursed in 60 instalments, with an interest rate of 34.8%, analysis fee of 170 Lei, the monthly payment will be of 112.10 Lei, total amount due 6,725 Lei and DAE (APR) 45.23%. Monthly administration fee: 5 Lei/month. Current offer applies only in the case of no other transaction realized until full reimbursement of the credit, and every instalment is paid in full by the customer.

When you use payment deferred 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 with means provided to the e-shop once you have signed a loan agreement with our financial partner.

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 or you can split the payment into 6, 12, 18 or 24 instalments.

What happens when I return the purchased items?

You return the purchased product and the refund is handled between the e-shop, PayU and our financial partner. The loan is paid for you.

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 deferred payment:

For a transaction of 300 Lei, realized without instalments, using the facility of Buy Now Pay Later, the costs applied are as follows: 0% interest rate, 0 Lei analysis commission, the total payable value being represented by the value of the transaction, 300 Lei, DAE (APR) 0%, if reimbursed in maximum 30 days from the date of the transaction. Current offer applies only in the case of no other transaction realized until full reimbursement of the credit, and every instalment is paid in full by the customer.