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Klix Pay Later allows you to purchase goods worth more than €70 today and pay later. By selecting Klix Pay Later as your payment method during checkout, you can easily and conveniently apply for installment payments: receive offers from Klix partner lending companies, compare them and choose the most suitable one, and sign the installment agreement remotely — quickly and transparently.
The numbers 3 or 6 indicate the number of months specified in the credit agreement during which the loan can be repaid without interest or additional fees. The monthly payment under the Klix Free program is calculated by dividing the full price of the product by the corresponding number of months — 3 or 6. At the buyer’s discretion, a different payment amount may also be made within the interest-free period. If the loan is only partially repaid during the Klix Free period, starting from the month following the end of this period, the remaining loan balance will be subject to the interest rate and other charges specified in the credit agreement.
Each loan application is evaluated individually. The offer is created based on the bank's internal guidelines, evaluating the customer's creditworthiness, which includes a set of conditions like income, obligations, credit history and many other factors that determine the individual credit risk level. For customers with a lower credit risk, the range of lending products offered will be wider, but for customers with a higher credit risk, it will be limited, and alternative offers may be offered instead of what the customer originally applied for. Also, there will be situations when it is not possible to prepare a credit offer at all, such as in cases where the income/liability ratio specified by law has been exceeded.Please pay attention to the early repayment procedure specified in the loan agreement. If the loan agreement states that the loan can be repaid by notifying the lender in advance or by submitting a relevant application to the lender, then this procedure must also be followed when using Klix Free.
esto 3 payment method allows you to pay for your purchase in three equal instalments over a period of three months. The sum of each monthly instalment is calculated by dividing the value of the shopping cart into three equal parts. No interest. No additional charges. Early repayment option always available, no additional charges apply.
esto hire-purchase is a flexible payment solution that allows you to split your payment into convenient monthly installments. esto hire-purchase ensures provision of the service as quickly and conveniently as when paying via a bank link. Confirm the order and, to review your personal terms and conditions and make a successful purchase, sign the hire purchase agreement digitally using your Smart-ID, eParaksts or bank-link.
Any permanent resident of Latvia can purchase products through a loan.
The borrower needs to have steady, official monthly income.
Borrower’s age must be between 18 and 80 years old.
Loan amount from EUR 70 to EUR 7000.
Loan term from 1 to 36 months.
For purchases from 1400 EUR, down payment of min. 10% has to be made.
To formalise a loan, a qualified Smart-ID or AS Citadele Banka online banking system, as well as a passport or ID card are needed.
By using the 'Add to cart' button, add the items you want to purchase to your shopping cart; In the checkout cart, select the "Klix Pay Later" form of payment and click the "Checkout" button; Authenticate in Klix; Completing the application; Compare installment offers and choose the one that suits you best; Sign the installment agreement.
You can purchase any product available in our online store on an installment plan, with a price ranging from €70 to €7000.
We are pleased to announce that in cooperation with GRENKE Latvia we can offer our legal clients IT equipment leasing. Leasing is an effective financial instrument that makes company budgeting more predictable, does not require expensive investments and allows you to use new equipment to grow your business.
With more than 40 years of experience in the field of leasing, GRENKE successfully operates internationally in the field of small IT business. GRENKE allows companies, without unnecessary difficulties, to rent the necessary equipment, rather than buying it and investing their valuable resources.
GRENKE leasing is an efficient financial instrument that makes companies' budgets more predictable, does not require costly investments and allows you to use new equipment to grow your business.
After providing complete information about the order, net price, lease term, a financing decision will be provided within 1 hour.
Analysis of the possibility of financing will be based on publicly available information, and, initially, no additional information will be required on your part.
GRENKE leasing is available to practically all legal entity, as well as to persons conducting economic activities (self-employed person, sole traders, etc.).
The loan amount is from 500 euros to 150'000 euros tax-free.
The leasing period is from 12 to 60 months.
Leasing for legal entities does not necessarily apply a downpayment. *
* depending on the client's credit history
legal entity has submitted annual reports for the last 2 years (upon request); no insolvency (bankruptcy) proceedings, liquidation and/or legal defence proceedings have been initiated against the legal entity.
Using the button "Add to cart" add the desired goods to the shopping cart; in the shopping cart select the form of payment "Leasing", and press the button "Checkout"