Pożyczka na zakupy online wygodnym i nowoczesnym sposobem na odroczenie płatności

The loan sector in Poland is one of the most dynamically developing industries in our entire economy. Domestic loan institutions have long been recognized as more and more equal competition for banks While the offer of installment loans on terms similar to that offered by banks is no longer surprising, customers will also find a whole range of other solutions in the offer of many of today’s loan institutions, eg deferred payments. Practice shows that the non-bank  loan for online shopping  in many respects exceeds the installment payments offered by banks.

 

Online shopping loan. Which loan is the best?

Do you want to take out a loan for online shopping? The most standard solution is an installment loan.  How will the conditions look like in this case when it comes to:

  • duration of the contract,
  • the maximum available loan amount,
  • monthly installment amount?

Let’s take a closer look at the offer of one of the most famous loan institutions that provide loans in the installment repayment option – Monedo.

 

A loan for online shopping in Monedo is possible for an amount of up to PLN 20,000. The repayment period is up to 48 months. But let’s assume you need a slightly smaller amount of money. By borrowing PLN 5,000 in Monedo for a period, you get a loan with the following parameters:

  • APR: 12.2%
  • 48 equal monthly installments
  • Monthly installment: PLN 130.62

Although the financial conditions are comparable to the offer of most banks, the very process of verifying creditworthiness and applying for a loan is incomparably faster in Monedo. However, an ordinary installment loan is not the only interesting option for financing purchases.

The genesis of loans with deferred payment

Another interesting method of taking out a loan is the services of loan institutions offering the so-called deferred payments. This option of taking a loan in Poland is relatively new, but outside our country it already has quite a long tradition and great popularity. It all started with the Swedish fintech Klarna, which started operating in 2005. Currently, according to official data, more than 80 million customers use Klarna’s services.

 

But what exactly is the deferred payment option?

We are dealing here simply with a cooperation between a loan institution and an online store or shopping platform (eg Allegro). The purchase is financed directly by the loan company and the store receives the money immediately. The customer, in turn, may pay the liability only after some time. This feature is becoming more and more popular with customers. No wonder, because online shopping loan with deferred payment option it is simply a highly comfortable method. We receive the goods immediately, and we only repay after 30 days. The possibility of dividing the payment into installments means that instead of paying, for example, PLN 500 for a shirt at once, we can spread the payment into three, four or more equal installments, which means that on a monthly basis the purchase will cost us just over PLN 100.

 

Kto oferuje płatności odroczone w Polsce?

Była już mowa o tym, iż w skali europejskiej pionierem odroczonych płatności jest szwedzka Klarna. Polski odpowiednik Klarny oferujący takie rozwiązania, jak pożyczka na zakupy online to przede wszystkim doskonale znana klientom platforma PayU we współpracy z Monedo. Firma ta działa według najbardziej przyjaznego dla klientów schematu, który prezentuje się następująco:

 

  1. Dokonujemy zakupu na kwotę np. 500 zł w sklepie online
  2. Wybieramy opcję płatności przez PayU
  3. Po akceptacji naszego wniosku, zakup jest opłacany przez firmę pożyczkową, zaś my możemy jedynie odebrać towar
  4. Po upływie 30 dni możemy dokonać spłaty należności lub też rozłożyć należność na 3 do 6 rat miesięcznych.

 

Co to jest funkcja odroczonych płatności podczas płacenia za pomocą PayU?

W przypadku innych firm maksymalna wartość finansowania zakupów często oscyluje w granicach kilkuset złotych. Natomiast w przypadku odroczonych płatności PayU i Monedo może to być nawet do 2 000 zł. Co ważne, procedura weryfikacji zdolności kredytowej klienta jest bardzo szybka. Natomiast, na samą decyzję w sprawie wniosku będziesz czekać przeważnie maksymalnie kilkanaście minut. Kiedy już pożyczka w formie odroczonych płatności na zakupy online zostanie Ci przyznana, płatność zostanie automatycznie zrealizowana za Ciebie. Aktualnie opcje odroczonych płatności posiada wiele sklepów online oraz dużych platform zakupowych. Oznacza to, że klienci mogą korzystać z tej formy pożyczki właściwie w każdej sytuacji – wszystko jedno, czy są to zakupy dot. ubrań, czy sprzętu RTV.

Photo: Colorful, elegant shopping bags with a search box above them.

Pożyczka na zakupy na Allegro

Customers often wonder  who is granting loans on Allegro ? The terms of purchase and the method of payment in this case will be exactly the same as when using the services of other online stores. On Allegro, you can also easily use the so-called Deferred Monedo payments. All you have to do is choose payment via PayU. But why is it worth financing purchases on Allegro or other platforms using the deferred payment method? The answer is extremely simple. The costs of such a solution are practically zero, while the financial burden for the purchase is spread over several months. In this way, instead of, for example, saving for six months on a new laptop or console, we can buy the equipment immediately and then pay for the purchase in equal installments.