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Interest-free payment option
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.
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