Interest-free payment option

Klix Paylater – a service, which allows you to make online purchases that are worth more than 70EUR with a 36-month loan agreement between the buyer and loan issuer. The Klix Free number represents the number of months stipulated in the loan agreement, in which the loan can be repaid without interest or any commission fees. The monthly payment of Klix Free can be calculated by dividing the total cost of goods with the relevant Klix Free number - in 3 or 6 parts, or at the buyer's discretion, by paying a larger amount within the relevant interest-free period. In the event that a partial amount is repaid during the Klix Free interest-free period, the following month after the end of the Klix Free period, the interest rate and other fees specified in the loan agreement will be applied to the loan.

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

The borrower needs to have steady, official monthly income.

Borrower’s age from 18 to 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.