Payment by installments

Consider carefully whether hire purchase is an appropriate option based on your needs and financial situation:

• Before entering into a contract, carefully read the Terms and Conditions of the Contract and ask our customer service for more information, if needed;
• Think about the size of the risk you can afford. The occurrence of payment difficulties may make it more complicated to obtain a new hire purchase or loan agreement in the future;
• Once you have signed the contract, read the terms and conditions again. This way you can be sure that you are performing your responsibilities in the right manner and at the right time.

After concluding the contract, the claim arising from the contract is transferred to AS Inbank Finance. Inbank will start sending you invoices.

For information on the contract and monthly payments, contact Inbank's customer service:

Find Inbank's customer service info on their website. Your calls and e-mails are answered from Monday to Friday from 9:00 to 17:00.

The deadline for the payment of monthly installments is the 12th of each month. In order to pay monthly installments, Inbank sends an e-invoice to your home bank's Internet bank every month.

If you have not received an e-invoice, fill in an e-invoice order form in your Internet bank. If you wish to make the monthly payments yourself, use Inbank's bank account number and the reference number specified in your contract.

If you have not paid your monthly installment by the due date, we will send you a reminder. Be aware that late payments will incur costs and an interest will be charged. Find the fees related to late payments in your contract and Inbank's price list. If you have difficulties in performing your obligations, please be sure to contact Inbank as soon as possible, because this way we can find a flexible solution and you will be able to avoid additional costs and court actions.

You can partially or completely return the payment balance early at any time, and there is no need to pay interest remaining until the end of the period or other fees related to termination of the contract in case of full early payment. To do this, submit an application to Inbank's customer service, indicating the amount to be returned and the date. We will then send you the final amount due.

To return the payment balance early, please contact Inbank Finance.

Standard example of consumer credit for the purchase of solar panels and batteries in installments:

The APR of Inbank's installment payment is 10.31% per year under the following example conditions: installment amount 12,000€, contract period 120 months, interest rate 7.90% of the monthly balance, down payment 0€, administration fee 0.1%, contract fee 0€ monthly installment 157.62€, total credit cost €18,914.

Standard example of consumer credit for the purchase of energy solutions (except solar panels and batteries) with installments:

The APR of Inbank's installment payment is 15.74% per year under the following example conditions: installment amount €5,000, contract period 60 months, interest rate 12.5% on the monthly balance, down payment €0, administration fee 0.1%, contract fee €0, monthly installment €117.93, credit total cost €7075.8.

The service provider is AS Inbank Finance. Before signing the contract, we recommend that you familiarize yourself with the terms and conditions of the financial service and, if necessary, consult with a specialist.