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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.

Find out in advance, how much you can buy on installments

In collaboration with Home Credit, we can estimate in advance how much you can use for your installment purchase. Here's how it works:

  • Your limit is higher than the value of your purchase

    That's great news. Feel free to add more items to your cart and conveniently pay off your entire purchase in monthly installments. You choose the total length of repayment from the options offered, as it suits you.

  • Your limit is lower than the value of your purchase

    Nothing's happening. Proceed with your installment purchase and we will specify during the negotiation process what portion of the purchase price will need to be paid outright.

  • You see zero

    In this case, Home Credit is unlikely to lend you the money. You can use another payment method, or buy in installments in a few days.

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.

  • 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 €125

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.

  • 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.

  • 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?


Mobile Phones

Laptops & Tablets

TV

Large Appliances

Computers & Software

Smart Watches

Home Electronics

Sports & Outdoor

Gaming Zone

Audio & Video
Full product range

How do I choose to pay in installments?

Na splátky
Start shopping

Choose your customised installment plan

Quarter

Fastest repayment
Top

Good balance

Lowest payments
Ikona

0% interest purchase
Product price
€500.00
€500.00
€500.00
€500.00
€500.00
Down payment
€0
€0
€0
€0
€0
Loan sum
Loan sum = product price - down payment
€500.00
€500.00
€500.00
€500.00
€500.00
Number of monthly installments
4
10
24
48
10 / 20 months
Monthly installment payment
€126.28
€53.30
€23.05
€11.50
€50.00 / €25.00
Total amount payable by client
€505.12
€523
€553.20
€552
€500.00
Annual interest rate
4.86 %
9.19 %
9.56 %
4.84 %
0 %
Annual percentage rate of costs
5.00 %
9.50 %
10.00 %
5.00 %
0 %

More info
More info
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The example is calculated assuming that the drawdown will take place on March 1, 2026, the first payment will be made on April 20, 2026, and the due date for the last payment is July 20, 2026. 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.
The example is calculated assuming that the drawdown will take place on March 1, 2026, the first payment will be made on April 20, 2026, and the due date for the last payment is January 20, 2027. 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.
The example is calculated assuming that the drawdown will take place on March 1, 2026, the first payment will be made on April 20, 2026, and the due date for the last payment is March 20, 2028. 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.
The example is calculated assuming that the drawdown will take place on March 1, 2026, the first payment will be made on April 20, 2026, and the due date for the last payment is March 20, 2030. 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.

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.

TIP: You can insure your installment purchase and your entire revolving loan. You will pay 8.9% of the minimum monthly loan payment for insurance, and it will protect you in the event of work incapacity, loss of income, or hospitalisation.

FAQ

What are the financial limits for purchasing goods on installments?
The minimum loan amount is €125 for all 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.
Do I need an ID?
Yes, you will need an ID for Home Credit, among other things, due to legal obligations. You'll also need to show your ID when picking up goods from us.
Is the amount I see in my estimated limit final?
No, this is just an estimate. You will only find out the actual amount once you have completed the scoring process in HomeCredit app.
What should I do if I wish to withdraw my consent to the sharing of my data for the purpose of estimating the amount of credit offered?
If you would like to withdraw your consent to share your data for the purpose of viewing Home Credit's hire purchase estimate, email [email protected] or call our customer service line.

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