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Store loans

Come to UniCredit Consumer Financing IFN SA partner stores and you can buy what you want quickly, in installments. We provide you up to 30,000 lei, which you can spend for purchasing appliances, furniture, furnishings, computers and sports equipment.

You can receive credit in the store if you are over 18 and under 70 years old or over 25 and under 55 years old for seafarers - seafarers patent except that the maximum age is 60 years old - (age up to which the loan must be repaid entirely). Net income per family must be a minimum of 450 lei / month, taking into consideration several sources:

  • Income from wages;
  • Revenues of seafarers;
  • Copyrights;
  • Rents;
  • Dividends;
  • Income from liberal activities;
  • Pensions;
  • Daytime;
  • Annuities;
  • Contracts for management or administration;
  • Proceeds under a contract of mandate.


Depending on your needs, you can choose between the following credit in the store:



“Mr. Turbo” loan

“Mr. Turbo” loan helps you put your plans into effect. You have the approval immediately if the conditions for eligibility according to the internal rules of the creditor and credit documentation are complete.

Total loan value

Annual interest (fixed)

Analysis fee

Monthly administration fee

Loan period

APR

300 - 3.000 lei

7%

59 lei

29 lei

6 - 60 months

29,2%*


* APR is calculated for the maximum amount and maximum period


“Potrivit” loan

“Potrivit” loan helps you to not postpone for tomorrow what you can do today. You can get a consederable amount of money at low cost financing.

Total loan value

Annual interest (fixed)

Analysis fee

Monthly administration fee

Loan period

APR

3001 - 30.000 lei

11,5%

149 lei

29 lei

6 - 60 months

14,5%*


Calculation example:

For the "Mr. Turbo"/ “ Potrivit” loans, for a total credit value of 3,000 / 5,000 lei on 60 months: annual interest rate (fixed) 7% / 11.5%, file analysis fee 59/149 lei monthly fee credit administration 29/29 lei, the monthly amount (for equal installments) 89.6 / 142.3 lei, the total amount payable 5374.5 / 8534.7 lei, APR 29.2% / 26.1%. The monthly rate calculation did not include optional life insurance. If opting for life insurance (optional), the monthly rate is 105/171 lei.


Penalty Interest: 32.5% (applicable to the amount due, unpaid)


Compensation for early reimbursement 1% or 0.5% (if the period between the early reimbursement and final maturity is less than one year); 0% if the interest rate is variable.

  • Longer loan period (up to 5 years);
  • Fixed interest on the entire loan period;
  • Easiness of the loan: no need to do a trip to the bank to get such a loan. You can request and receive credit directly from the store partners;
  • Optional life insurance - in case of unemployment and unable to work *;
  • We do not require advance or supplementary guarantees;
  • Minimum necessary income of only 450 lei
  • Pay the credit rates in store locations that display the PayPoint logo.

*Under the terms of the insurance contract.

Auto loan can be obtained with the following documents*:

  • Copy of ID;
  • Proof of income (download income statement);
  • Utility Bills.

*We reserve the right to request additional documents in certain situations, in accordance with the credit policy.

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