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AiO.lv Interest-free payment option

Interest-free payment option

klix
sale

Interest-free installment financing is a convenient way to pay for goods and services, allowing you to split the purchase price into equal payments without overpayments or additional fees. The terms and conditions depend on the chosen credit partner and are specified at checkout. During the interest-free period, you can make equal monthly payments or larger amounts. If the full amount is not paid off by the end of this period, standard interest rates and the conditions of your credit agreement will apply to the remaining balance.

Zero percent interest loan example

Suppose you choose an item priced at €300. You take out an interest-free loan for 3 months. Each month, you can pay equal installments of €100 or make a larger payment if you want to repay the loan faster. Importantly, there are no interest charges or hidden fees: the total payment remains €300, meaning there’s 0% overpayment. This payment option is convenient if you need to spread expenses over time without paying extra for credit.

1st monthly payment
100 €
or any amount which is not lower than the monthly payment amount, specified in the agreement.
2. months payment
100 €
or any amount which is not lower than the monthly payment amount, specified in the agreement.
3. months payment
100 €
or the amount left to be paid for the loan
= When repaying the loan in full within three months from the date of the loan, the borrowing rate is 0%, the APR is 0%, the total amount to be paid by the consumer is €300

Who can purchase items in instalments?

Any permanent resident of Latvia can purchase products through a loan.

Is it required to have an official place of work to receive a loan payment?

The borrower needs to have steady, official monthly income.

How old does a person have to be to be able to make a purchase in instalments?

Borrower’s age from 18 to 80 years old.

What is the maximum amount that can be bought with a loan payment?

Loan amount from EUR 70 to EUR 7000.

What is the term of the loan?

Loan term from 1 to 36 months.

What is the down payment or advance payment for a purchase with a loan payment?

For purchases from 1400 EUR, down payment of min. 10% has to be made.

What documents are needed in order to register for payments in instalments?

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.

How to make a purchase in instalments?

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" or "Esto" form of payment and click the "Checkout" button; Authenticate in the app; Completing the application; Compare installment offers and choose the one that suits you best; Sign the installment agreement.

Which products can be purchased in installments?

You can purchase any product available in our online store on an installment plan, with a price ranging from €70 to €7000.

You save: 11.00 €
HOMEPILOT RolloTron Belt Winder, 45 kg Capacity, 70 W, White
HOMEPILOT
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HOMEPILOT RolloTron Belt Winder, 45 kg Capacity, 70 W, White
Delivery: 17.09.2026
139.49 €
128.49 €
The discount is valid from 12.08.2026 to 09.09.2026
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Subwoofer Sony SA-SW5 300W Wireless, 2 Ω, Portable, Black — for HT-A9 / A7000 (damaged packaging)
Sony
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Subwoofer Sony SA-SW5 300W Wireless, 2 Ω, Portable, Black — for HT-A9 / A7000 (damaged packaging)
Delivery: Monday
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431.99 €
The discount is valid from 13.08.2026 to 10.09.2026
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Roborock RockNeo Q105 Robot Lawn Mower, 2WD, 500m² Coverage, RTK + VSLAM Navigation
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Robot Lawn Mowers
Roborock RockNeo Q105 Robot Lawn Mower, 2WD, 500m² Coverage, RTK + VSLAM Navigation
Delivery: Today
714.49 €
672.49 €
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Desktop PC HP EliteDesk 800 G5 SFF — Intel Core i7-9700 3.0–4.7 GHz, 16 GB DDR4 2666 MHz, 256 GB SSD, Intel UHD 630, Windows 11 Pro, Black
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Desktop PC HP EliteDesk 800 G5 SFF — Intel Core i7-9700 3.0–4.7 GHz, 16 GB DDR4 2666 MHz, 256 GB SSD, Intel UHD 630, Windows 11 Pro, Black
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385.00 €
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Workstation HP Z6 G4 Tower — Intel Xeon Silver 4114 2.2/3.0 GHz, 32 GB DDR4 2666 MHz, 512 GB SSD, NVIDIA Quadro P2000 5 GB, Windows 11 Pro for Workstations, Black
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Workstation HP Z6 G4 Tower — Intel Xeon Silver 4114 2.2/3.0 GHz, 32 GB DDR4 2666 MHz, 512 GB SSD, NVIDIA Quadro P2000 5 GB, Windows 11 Pro for Workstations, Black
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Excellent choice
Related product small image Dreame VZ40 PRO induction hob with extractor hood for 4 cooking zones, sensor control, Boost function and Hob²Hood
Dreame
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Dreame VZ40 PRO induction hob with extractor hood for 4 cooking zones, sensor control, Boost function and Hob²Hood
Delivery: Today
719.00 €
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Home audio micro system Pure Micro HiFi Classic — 50 W RMS, 2-way speakers, 16.5 cm woofers, DAB/DAB+/FM, Spotify, TFT display, 3.5 mm — Black/Walnut
pure
Music & Mini Audio System...
Home audio micro system Pure Micro HiFi Classic — 50 W RMS, 2-way speakers, 16.5 cm woofers, DAB/DAB+/FM, Spotify, TFT display, 3.5 mm — Black/Walnut
Delivery: 17.09.2026
454.49 €
425.99 €
The discount is valid from 11.08.2026 to 08.09.2026
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Home audio micro system Pure 252807 — 50 W RMS, 2-way speakers, 16.5 cm woofer, DAB/DAB+/FM, Spotify, TFT display, Oak/White
pure
Music & Mini Audio System...
Home audio micro system Pure 252807 — 50 W RMS, 2-way speakers, 16.5 cm woofer, DAB/DAB+/FM, Spotify, TFT display, Oak/White
Delivery: 17.09.2026
454.49 €
421.99 €
The discount is valid from 11.08.2026 to 08.09.2026
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Laptop Dell Latitude 5420 — 14" FHD (1920×1080), Intel Core i5-1145G7, 16 GB DDR4, 512 GB SSD, Intel Iris Xe, Windows 11 Pro, Grey, 1.37 kg
Dell
Laptops
Laptop Dell Latitude 5420 — 14" FHD (1920×1080), Intel Core i5-1145G7, 16 GB DDR4, 512 GB SSD, Intel Iris Xe, Windows 11 Pro, Grey, 1.37 kg
Delivery: Today
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459.00 €
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Laptop Dell Latitude 7420 — Intel Core i5-1145G7, 14" FHD touchscreen, 16 GB LPDDR4x, 512 GB SSD, Intel Iris Xe, Windows 11 Pro, 1.22 kg
Dell
Laptops
Laptop Dell Latitude 7420 — Intel Core i5-1145G7, 14" FHD touchscreen, 16 GB LPDDR4x, 512 GB SSD, Intel Iris Xe, Windows 11 Pro, 1.22 kg
Delivery: Today
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Desktop PC HP ProDesk 600 G6 SFF — Intel Core i5-10500, 16 GB DDR4, 256 GB SSD, Windows 11 Pro, Intel UHD 630, DVD‑RW, Black, 3.9 kg
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Desktop PC HP ProDesk 600 G6 SFF — Intel Core i5-10500, 16 GB DDR4, 256 GB SSD, Windows 11 Pro, Intel UHD 630, DVD‑RW, Black, 3.9 kg
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Philips Xamento Smart Recessed Spotlight Three-pack White and Colour Ambience Bluetooth and Zigbee Black
Philips
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Philips Xamento Smart Recessed Spotlight Three-pack White and Colour Ambience Bluetooth and Zigbee Black
Delivery: Today
199.99 €
Fast shipping
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Mechanical gaming keyboard PULSAR XBOARD MS Tenkeyless 88-key QWERTY USB RGB Black
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Mechanical gaming keyboard PULSAR XBOARD MS Tenkeyless 88-key QWERTY USB RGB Black
Delivery: Tomorrow
169.49 €
130.99 €
The discount is valid from 19.08.2026 to 16.09.2026
Fast shipping
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Mechanical gaming keyboard PULSAR PCMK 2 HE Tenkeyless 87-key USB QWERTY RGB Black
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154.99 €
119.99 €
The discount is valid from 19.08.2026 to 16.09.2026
Fast shipping
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Gaming mouse PULSAR X2A eS Medium — Ambidextrous, Optical 26,000 DPI, RF Wireless + USB‑C, Black
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144.49 €
111.49 €
The discount is valid from 19.08.2026 to 16.09.2026
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Gaming mouse PULSAR X2 v3 eS Mini — ambidextrous, Bluetooth, optical 32000 DPI, 1 ms, battery-powered, black
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Delivery: Tomorrow
170.49 €
131.49 €
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Excellent choice
Floor cleaner Karcher FCV 3 Natural N – three-in-one, dry & wet cleaning, 160 W, white
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Tower workstation PC Dell Precision 3630 — Intel Xeon E-2246G 3.6/4.8 GHz, 16 GB DDR4-2666, 512 GB SSD, NVIDIA Quadro P400 2 GB, Windows 11 Pro
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Mini PC Dell OptiPlex 7080 MFF — Intel Core i5-10600T 2.4/4 GHz, 16 GB DDR4, 256 GB SSD, Intel UHD 630, 2xDP, TypeC Video, Windows 11 Pro, Black, 1.38 kg
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Monitor mount stand Hama 00004663 for 2 displays, supports screens up to 81.3 cm (32"), VESA 75x75–100x100, height adjustable, black
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104.49 €
95.99 €
The discount is valid from 07.08.2026 to 04.09.2026
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We respect your privacy
We use cookies to ensure the full operation of our store. The information associated with cookies is not used to personally identify you, and the files themselves are stored on your device, under your control. Cookies are not used for purposes other than those stated in our Privacy policy. By continuing to use our site, you agree to the use of essential cookies. If you do not agree, please, leave this site.
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warranty
14-Day Return Policy We are confident in our quality, but if the purchase doesn’t fit — you have 14 days to return the product with peace of mind.
shipping
Fast Delivery Get your orders as quickly as possible — right to your door, parcel lockers, or pickup points across Latvia and the EU.
payment
Secure Payment Pay the way you prefer: cash, VISA, MasterCard, Apple Pay, Google Pay, bank transfer, or 0% installment plan.
warranty
Quality Since 2008 AiO.lv has been on the market for over 18 years and has earned trust — with more than 6000 genuine positive reviews on Google.