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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.

New Arrival
BESK Lounge Chair 100x75 cm with Synthetic Rattan Weave and Polyester Cushion
BESK
Garden Furniture
BESK Lounge Chair 100x75 cm with Synthetic Rattan Weave and Polyester Cushion
Delivery: 06.07.2026
106.49 €
New Arrival
BESK Garden Furniture Set with Table and 3 Lounge Chairs
BESK
Garden Furniture
BESK Garden Furniture Set with Table and 3 Lounge Chairs
Delivery: 06.07.2026
361.49 €
You save: 13.50 €
Mechanical Gaming Keyboard Lenovo Legion K510 Mini Pro — QWERTZ DE layout, RGB lighting
The discount is valid from 09.06.2026 to 09.07.2026
Lenovo
Keyboards
Mechanical Gaming Keyboard Lenovo Legion K510 Mini Pro — QWERTZ DE layout, RGB lighting
Delivery: 13.07.2026
83.99 €
70.49 €
You save: 14.00 €
Electric vehicle charging cable DAHUA DHI-ICS-ME-CABLE-22KW, 22 kW, 5 m length
The discount is valid from 04.06.2026 to 04.07.2026
DAHUA
Electric Vehicle Charging...
Electric vehicle charging cable DAHUA DHI-ICS-ME-CABLE-22KW, 22 kW, 5 m length
Delivery: Tuesday
120.49 €
106.49 €
Get it Monday
Desktop PC Dell OptiPlex 7090 SFF — Intel Core i5-10500 3.1/4.5 GHz, 16 GB DDR4, 256 GB SSD, Windows 11 Pro, DVD±RW, Black
Dell
Desktop PCs & Workstation...
Desktop PC Dell OptiPlex 7090 SFF — Intel Core i5-10500 3.1/4.5 GHz, 16 GB DDR4, 256 GB SSD, Windows 11 Pro, DVD±RW, Black
Delivery: Monday
Cheaper than new
429.00 €
Get it Monday
Mini PC HP Elite Mini 800 G9 with Intel Core i7-14700T, 16 GB DDR5, 512 GB SSD, Intel UHD Graphics 770, Windows 11 Pro, Black
HP
Desktop PCs & Workstation...
Mini PC HP Elite Mini 800 G9 with Intel Core i7-14700T, 16 GB DDR5, 512 GB SSD, Intel UHD Graphics 770, Windows 11 Pro, Black
Delivery: Monday
Cheaper than new
719.00 €
Get it Monday
Desktop PC HP EliteDesk 800 G6 SFF – Intel Core i7-10700 2.9/4.8 GHz, 16 GB DDR4 2666 MHz, 512 GB SSD, Windows 11 Pro, Black
HP
Desktop PCs & Workstation...
Desktop PC HP EliteDesk 800 G6 SFF – Intel Core i7-10700 2.9/4.8 GHz, 16 GB DDR4 2666 MHz, 512 GB SSD, Windows 11 Pro, Black
Delivery: Monday
Cheaper than new
499.00 €
You save: 14.00 €
Electric vehicle charging cable DAHUA DHI-ICS-ME-CABLE-11KW, 11 kW, 5 m length
The discount is valid from 04.06.2026 to 04.07.2026
DAHUA
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Electric vehicle charging cable DAHUA DHI-ICS-ME-CABLE-11KW, 11 kW, 5 m length
Delivery: Tuesday
102.49 €
88.49 €
You save: 114.00 €
4G router INSYS icom MRX5 LTE — Fast Ethernet 10/100 Mbps, BGP/OSPF/RIP, IPSec, RADIUS
The discount is valid from 08.06.2026 to 08.07.2026
INSYS icom
5G/4G/3G Modems & Routers
4G router INSYS icom MRX5 LTE — Fast Ethernet 10/100 Mbps, BGP/OSPF/RIP, IPSec, RADIUS
Delivery: 13.07.2026
1,197.49 €
1,083.49 €
You save: 71.00 €
4G Router INSYS icom SCR-L300 — DIN-rail/Wall, SMA antenna, BGP/OSPF/RIP, 10/100 Mbps LAN
The discount is valid from 08.06.2026 to 08.07.2026
INSYS icom
5G/4G/3G Modems & Routers
4G Router INSYS icom SCR-L300 — DIN-rail/Wall, SMA antenna, BGP/OSPF/RIP, 10/100 Mbps LAN
Delivery: 13.07.2026
747.49 €
676.49 €
You save: 61.00 €
LAN router INSYS icom SCR‑E300, DIN‑rail/wall mount, SMA antenna connector, 10/100 Mbps, 12–24 V
The discount is valid from 08.06.2026 to 08.07.2026
INSYS icom
Routers
LAN router INSYS icom SCR‑E300, DIN‑rail/wall mount, SMA antenna connector, 10/100 Mbps, 12–24 V
Delivery: 13.07.2026
639.49 €
578.49 €
You save: 28.50 €
Cellular network router INSYS icom MIRO-L100 — Fast Ethernet 10/100 Mbps, external antenna, DC power, wall-mount
The discount is valid from 08.06.2026 to 08.07.2026
INSYS icom
5G/4G/3G Modems & Routers
Cellular network router INSYS icom MIRO-L100 — Fast Ethernet 10/100 Mbps, external antenna, DC power, wall-mount
Delivery: 13.07.2026
300.99 €
272.49 €
Get it Monday
Laptop Dell Latitude 5520 — Intel Core i5-1145G7, 15.6" Full HD touchscreen, 16 GB DDR4, 512 GB SSD, Intel Iris Xe, Windows 11 Pro, Grey, 1.59 kg
Dell
Laptops
Laptop Dell Latitude 5520 — Intel Core i5-1145G7, 15.6" Full HD touchscreen, 16 GB DDR4, 512 GB SSD, Intel Iris Xe, Windows 11 Pro, Grey, 1.59 kg
Delivery: Monday
Cheaper than new
549.00 €
Get it Monday
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: Monday
Cheaper than new
519.00 €
Get it Monday
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: Monday
Cheaper than new
479.00 €
Get it Monday
Used EIZO FlexScan S1934HA monitor 19" (48.3 cm) SXGA 1280×1024 IPS LCD, 14 ms, built-in speakers, VESA, grey
EIZO
Monitors
Used EIZO FlexScan S1934HA monitor 19" (48.3 cm) SXGA 1280×1024 IPS LCD, 14 ms, built-in speakers, VESA, grey
Delivery: Monday
Cheaper than new
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C Product data
You save: 12.50 €
Transcend StoreJet 25H3 1TB External Hard Drive 2.5 inch USB 3.2 Gen 1 Purple
The discount is valid from 08.06.2026 to 08.07.2026
Sonstige
External HDD
Transcend StoreJet 25H3 1TB External Hard Drive 2.5 inch USB 3.2 Gen 1 Purple
Delivery: 13.07.2026
165.49 €
152.99 €
Get it Monday
Mobile workstation HP ZBook Studio G7 – Intel Core i7-10850H, 15.6" Full HD, 32 GB DDR4, 512 GB SSD, NVIDIA Quadro T1000 Max-Q, Windows 11 Pro, Grey
HP
Laptops
Mobile workstation HP ZBook Studio G7 – Intel Core i7-10850H, 15.6" Full HD, 32 GB DDR4, 512 GB SSD, NVIDIA Quadro T1000 Max-Q, Windows 11 Pro, Grey
Delivery: Monday
Cheaper than new
565.00 €
New Arrival
Rowenta X-PERT 7.60 RH6A31WO 2-in-1 Cordless Stick Vacuum Cleaner, 140W, 18V, Bagless, Dry Cleaning
ROWENTA
Vacuum cleaners
Rowenta X-PERT 7.60 RH6A31WO 2-in-1 Cordless Stick Vacuum Cleaner, 140W, 18V, Bagless, Dry Cleaning
Delivery: 13.07.2026
187.49 €
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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.