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We've said no to interest rates. You won't pay anything extra!

Shop conveniently with Home Credit for everything you desire, starting today!

  • You can shop cashless starting from €100 online or at our store.
  • Repay in 10 or 20 installments and you won't pay anything in interest for this purchase.
  • The repaid money can be used again for future purchases.

Sorry, no 0% interest rate offers are currently available😒

No worries, you can still take advantage of our Shop on Installments service on everything.

What can you currently buy with 0% interest rate?

You can also take advantage of the regular installment payment option for any purchase over €100.

What are the benefits of 0% interest shopping?

  • Applying for a revolving credit is quick and easy.

  • You can shop right away without the hassle of saving up.

  • Everything can be done online from the comfort of your home, and we'll deliver the goods right to your doorstep.

0% interest rate plan comparison


10 Months

20 Months

Price
€500.00
€500.00
Down payment
€0.00
€0.00
Loan sum
Loan sum = product price - down payment
€500.00
€500.00
Number of monthly installments
10
20
Monthly installment payment
€50.00
€25.00
Total amount payable by client
€500.00
€500.00
Annual interest rate
0 %
0 %
Annual interest rate
0 %
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.
The example is calculated assuming that the drawdown will take place on May 1, 2024, the first payment will be made on June 6, 2024, and the due date for the last payment is April 20, 2025. In some cases, there may be minor differences in the amount of the last payment due to rounding of payments to whole CZK. The specific amount of the last payment will be shown in your monthly statement. The values apply only to the drawdown of the loan spread over the installment plan and do not take into account any other possible transactions and fees paid in the standard way in accordance with the terms of your loan agreement.

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.

How do I shop on installments?

  • 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.

  • Fill in all the necessary information in the application, and Home Credit will evaluate your request.

  • After approval, you will sign the credit agreement online, and we will send you the goods.

  • 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 – residence permit or temporary residence permit).
  •   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.
  • Visit our store and let our clerk at the checkout counter know what products you would like to purchase on installments.

  • 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.

  • 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.

  • After your loan is approved, you can pick up your purchase from our staff and start using it.

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 – residence permit or temporary residence permit).
  •   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.

How can I tell what products are covered by this zero interest-rate policy?

How to determine what products are covered by our zero interest-rate policy? Select Buy on Installments

This designation indicates that the product that can be purchased on the 0% interest rate plan.

FAQ

What are the financial limits for purchasing goods on installments?
The minimum loan amount is €100 for online purchases and €100 for in-store purchases.
Am I guaranteed to get the loan?
Home Credit approaches loan provision responsibly and grants it only after a proper assessment of meeting all necessary conditions by each applicant.
Who can apply for a loan?
Any individual over 18 years old with a stable source of income.
Do I need proof of income?
Yes, Home Credit may require you to provide proof of your income as part of the verification process.
Is it possible to cancel the loan agreement for installment purchases?
Yes, within 14 days from the date of concluding the loan agreement, and if you return the borrowed money within 30 days from the agreement date, Home Credit will not charge you any interest.
When will I get my goods?
We will ship or hand over the goods to you once the loan is approved and Home Credit has received all the necessary documents from you.
Can I repay the loan early?
Yes. For early repayment of the loan or making extraordinary installment payments, please contact Home Credit's customer hotline at 0850 111 118, where they will tell you the exact amount to be paid and any other necessary information.
I am a foreigner living in Slovakia. Can I purchase goods on installments from you?
Yes, Home Credit's installments are also available for foreigners with permanent or temporary residence in Slovakia. For more information, please contact Home Credit's customer hotline at 0850 111 118.
Can I buy goods on installment for a company or on a business ID?
Consumer credit is available only for individuals (natural persons), so it's not possible to make purchases for a company or on a business ID.

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