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Interest-free payment option

klix

Zero percent interest loan example

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.

- Loan amount: 300 EUR;
- Loan period: 36 months;

1. months 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
Learn more about Klix Pay Later

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 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.

Shipment confidentiality

Get your orders as quickly as possible — right to your door, parcel lockers, or pickup points across Latvia and the EU.

Order confidentiality

Pay the way you prefer: cash, VISA, MasterCard, Apple Pay, Google Pay, bank transfer, or 0% installment plan.

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