PayU Raty 100% online – krótki wniosek i szybka decyzja

One API = multiple credit solutions

Sales up to 15%

How can you benefit from PayU installments?

PayU internal data, based on the installment promo campaign carried on with selected e-shops, between the 1st of April and 5th of May 2019, in comparison to the same periods before and after the campaign.

PayU Credit - how does it work?

Infografika PayU Hub Kredytowy ENG_2020

Questions and answers

When can a customer use PayU instalments?

Payment by means of PayU instalments is possible when:

  • the cost of the goods stays within the range PLN 300 to PLN 20,000 (together with shipping costs),
  • the buyer selected payment on delivery.
Who grants the loan for the purchases?

The entity granting the instalment loan for the purchase is one of the loan partners - Alior Bank, mBank, Kreditech. PayU is only the entity intermediating between the borrower and the financial institutes. The seller is not a party to the loan agreement.

What will happen if the buyer doesn’t get the loan?

Nothing; the items are purchased only after successful verification of the authorisation transfer, positive decision of the creditor, and acceptance of the loan by the seller.

What does the return procedure look like in case of an instalment purchase?

Within 14 days from the date of receipt of the order, the buyer submits a representation on resignation from the purchase and returns the goods. Withdrawal from the sale agreement does not result in withdrawal from the credit agreement. Therefore, the seller is obliged to inform the bank on resignation from the purchase and return the received amount in order for it to be credited towards the instalments.

Does PayU charge commission for instalment sale?

We do not charge any additional fee from you for transactions with the use of PayU instalments, the amount for the sold goods is sent to the account of your shop.

What are the interest rate, cost of loan and APRC?

Representative example: Interest rate: fixed interest rate 6.5% (for loan granted by Alior Bank S.A. with its registered office in Warsaw) variable interest rate 6.5% (for loan granted by mBank S.A. with its registered office in Warsaw) or variable interest rate 6.5% (for loan granted by Kreditech Polska S.A. with its registered office in Warsaw); PLN 1000.00 (without credited costs); annual percentage rate: 22.36%; 11 equal monthly installments of: PLN 100; total amount to be paid: PLN 1,100; total cost of loan: PLN 100 (including: commission fee: PLN 65.00, interest: PLN 35, insurance cost: none). Final crediting conditions depend on the assessment of Customer’s creditworthiness, date of releasing the loan and of paying the first installment. Terms and conditions of the offer: as at 15 May 2015 (for loan granted by mBank S.A. or Alior Bank S.A.) and 25 April 2016 (for loan granted by Kreditech Polska Sp. z o.o.). This material has only informational purpose.

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