Payment in installments from IdeaBank

Make a purchase in our store on credit from JSC «Idea Bank» and pay for it in installments over a term convenient for you. This is a consumer loan for goods is being drawn up directly between you and the bank in accordance with the Law of Ukraine «On Consumer Lending» and the NBU requirements for full disclosure of the loan cost.

Our store is not a financial institution, does not provide loans, and does not determine the final lending terms – we only forward your application to the partner bank. The decision to grant a loan, its amount, term, and final conditions is made exclusively by JSC «Idea Bank».

How to apply for a loan for goods
Choose a product
Add a computer or another product to the cart and on the checkout page select the payment method «Credit from Idea Bank».

Fill in the order
Enter your contact details, delivery address, and confirm the payment method «Credit».

Confirm the order with the manager
Our manager will contact you to details of the order and confirm your intention to apply for a loan.

Apply for a loan with the bank
After confirming the order, we will forward your application to JSC «Idea Bank». A bank representative will contact you to verify your data and agree on the loan terms. You will receive a consumer loan passport with full information about the cost of the loan, payments, fees, and the annual percentage rate.

Sign the agreement and receive the goods
After signing the loan agreement, the bank pays for the goods to our store, and we ship your order according to the agreed delivery method.

Main terms of the loan from Idea Bank
The parameters below are indicative conditions for a consumer loan for goods from JSC «Idea Bank». The exact terms are determined individually by the bank and are specified in your consumer loan passport and loan agreement.

Loan term: from 12 to 36 months.

Loan amount: from 1,000 to 200,000 UAH.

Monthly fee: 2.5% of the initial loan amount or the outstanding balance (according to the terms of the specific bank program).

One-time loan issuance fee: 4% of the loan amount.

Down payment: 0% (possibility to make an advance payment at the customer’s request).

Borrower’s age: from 21 to 74 years at the time of loan maturity.

Annual Percentage Rate (APR): approximately from 16.8% to 271.9% and depends on the loan amount, term, repayment scheme, fees, cost of additional services (if any), and other terms of the specific agreement.

The APR and the estimated total cost of the loan for the consumer are обязательно reflected in the consumer loan passport in a standardized form, which you receive before signing the agreement.

Required documents
To apply for a consumer loan for goods at JSC «Idea Bank», you usually need:

A passport of a citizen of Ukraine or another identity document acceptable to the bank.

Taxpayer identification number (TIN).

Depending on the loan amount, program conditions, and your profile, the bank may additionally request documents confirming income (for example, for amounts closer to the upper limit of the loan).

Important information for the borrower
A condition for obtaining a loan cannot be the mandatory purchase of any other goods or services related to us (including insurance or additional services not required by law or the bank’s internal rules). Such «tied selling» is prohibited by the regulator.

Our store has no right to independently change the terms of concluded loan agreements, revise the payment schedule, or the amount of fees – all changes are made exclusively by the bank on the grounds defined by the agreement and legislation.

You have the right to opt out of receiving promotional messages (emails, SMS, etc.) from the bank and/or the store by notifying via the appropriate communication channel.

Before applying for a loan, the bank is obliged to provide you with:

A consumer loan passport with complete, accurate, and up-to-date information about all loan costs.

Information about the APR, the estimated total cost of the loan for the consumer, the payment schedule, fees, penalties, early repayment conditions, and other essential terms.

Warnings about risks and delays
In case of late payment of the monthly loan installment:

Penalty sanctions (fines, penalties) may apply in accordance with the terms of the loan agreement.

Information about the delay may be transferred to credit bureaus, which may negatively affect your credit history.

The total cost of the loan for you may significantly increase due to penalties and additional charges.

We recommend that you carefully review the consumer loan passport, the loan agreement, and all related documents before signing, and also assess in advance your solvency and ability to make all payments on time.

Early repayment
The borrower has the right to repay the loan early in full or in part in accordance with the agreement and the legislation of Ukraine. The conditions of early repayment (possible fees or their absence) are specified in the loan agreement and the consumer loan passport.

To details regarding early repayment, current rates, and fees, please contact JSC «Idea Bank» directly using the official contacts indicated on its website and in the bank’s documents.

Promotion and discount limitations
When purchasing goods on credit or in installments from JSC «Idea Bank», certain promotional offers of the store, gifts, accumulated bonuses, or other types of discounts may not apply. In such cases, the loan and/or installment plan is usually is being drawn up for the full cost of the goods without taking promotional discounts into account, unless otherwise explicitly stated in the terms of a specific promotion.