Shop on Installments
No need to wait for your paycheck, start shopping on installments with Home Credit. Filling out the installment application will only take a few minutes.
- First installment due only by the 20th day of the following month.
- Choose a repayment period from 11 to 48 months.
- The repaid amount can be reused for future purchases.
- You can also arrange payment protection insurance to safeguard against unforeseen circumstances like disability.
Arrange your installment purchase simply and easily from home or at our store
Shop on installments comfortably at our e-shop or visit one of our stores where we'll take care of everything together on the spot.
- I will fill out the application online from the comfort of my home
- I will arrange everything in person at the store
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On the product page, click on the Buy on Installments button. Choose the number of months you want to repay. Proceed as you would with a regular purchase.
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Fill in all the necessary information in the application, and Home Credit will evaluate your request.
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After approval, you will sign the credit agreement online, and we will send you the goods.
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Collect your purchase and enjoy.
General credit terms & conditions
- Age 18 and legal capacity
- Stable source of income
- Minimum order of €100
Required documents
- ID card (if you are not a Slovak citizen – a permanent residence permit on the territory of the Slovak Republic).
- In some cases, a second form of identification may be required (passport, driver's license, or birth certificate).
- We may also require proof of income from you.
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Visit our store and let our clerk at the checkout counter know what products you would like to purchase on installments.
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Present a valid ID card/residence permit and our salesperson will fill in the details of your order in the Home Credit app and create a QR code for you.
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Scan the QR code with your own mobile device to access the Home Credit app and fill out the application form for a loan. Once approved, sign the contract via a text message and upload the required documents.
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Collect your purchase at the checkout counter and enjoy.
General credit terms & conditions
- Age 18 and legal capacity
- Stable source of income
- Minimum order of €100
Required documents
- ID card (if you are not a Slovak citizen – a permanent residence permit on the territory of the Slovak Republic).
- In some cases, a second form of identification may be required (passport, driver's license, or birth certificate).
- We may also require proof of income from you
What can I purchase on installments?
How do I choose to pay in installments?
Choose your customised installment plan
|
|
Fastest Repayment |
Top
Good Balance |
Lowest Payments |
|
|---|---|---|---|---|
| Product price |
€500.00
|
€500.00
|
€500.00
|
€500.00
|
| Down payment |
€0
|
€0
|
€0
|
€0
|
|
|
€500.00
|
€500.00
|
€500.00
|
€500.00
|
| Number of monthly installments |
11
|
24
|
48
|
10 / 20 months
|
| Monthly installment payment |
€50.87
|
€25.65
|
€15.52
|
€50.00 / €25.00
|
| Total amount payable by client |
€559.57
|
€639.60
|
€744.96
|
€500.00
|
| Annual interest rate |
20.76 %
|
19.73 %
|
20.51 %
|
0 %
|
| Annual percentage rate of costs |
23 %
|
21.7 %
|
22.6 %
|
0 %
|
|
|
Illustrative calculation for a revolving loan based on legal requirements: For a credit limit of €1,200, the annual interest rate is 26.28%, APR 33.1%, the total amount repayable by the consumer is €1,388.70, and the monthly installments are as follows: €127.77, €125.58, €123.39, €121.20, €119.01, €116.82, €114.63, €112.44, €110.25, €108.06, €105.87, €103.68. The individual monthly installments, including the total amount repayable by the consumer, are mathematically rounded. This example is for illustrative purposes only based on legal assumptions - full utilisation of the loan amount immediately, non-cash, at the highest interest rate and with the highest fee. The loan is calculated for a 12-month term with equal principal installments. The actual offer may differ from the presentation. The offer is not a public promise and is valid subject to the terms and conditions of Home Credit Slovakia, a.s., the provider of financial services.
Alza.sk provides installment loans through Home Credit Slovakia, a.s. More information about Home Credit can be found here: https://www.homecredit.sk/
Alza.sk s.r.o., with its registered office at Sliačska 1/D, 831 02 Bratislava, is registered as a tied financial agent in the register of financial agents and financial advisors, in the sub-register of loan providers under registration number 273862, and is authorised to carry out financial mediation since June 2, 2023.
