TL;DR

• Installment options: TBI bank, Newpay, UniCredit Consumer Financing.
• TBI bank: financing  75 EUR/146,69 BGN –15000 EUR/29337.45 BGN, term 3–48 months, online process and fast approval.
• Newpay: 3 options – defer up to 30 days (up 200 EUR/391,17 BGN.), 4 installments (up 500 EUR/977,91 BGN), 6 installments (up 1000EUR/1955,83 BGN, 0.99% monthly mark-up).
• UniCredit: goods loan 75 EUR/146,69 BGN – 25000 EUR/ 48895,75 BGN, term 3–36 months, apply with an ID card.
• All steps and parameters below follow the provided page text only.

1) Buy in installments with TBI bank

TBI bank is part of 4Finance, an online and mobile consumer lending group in Europe. As part of 4Finance, the bank aims to offer modern products, flexible repayment schemes and promotions.

Main parameters (TBI bank)

2) How TBI bank works

1. Choose a product, add it to the cart, click “Buy with TBI bank” and select the payment term. After completing the order, a Customer Service Center agent contacts you to fill in your details.
2. After approval, you receive an SMS and an email with a secret link to upload photos of your ID card and complete identification.
3. The photos are reviewed. You then receive a link with documents to sign via SMS and email. An agent may contact you for remote signing; you provide the unique code received by SMS. The signed contract and documents are sent to your email.
4. Final step: expect delivery to the provided address within the timeframe stated by the merchant on the website.

3) Benefits of TBI bank

• Fully online shopping from anywhere with internet, without being limited by working hours.
• Application response within minutes (as stated).
• Your data is protected; the process uses special links and a unique code and is described as GDPR-compliant.
• No need to install additional signing apps or create extra registrations (as stated).
• Convenient online/offline repayment; the text mentions 11 payment methods and the TBI bank app.

4) “Purchase & goods protection” insurance (TBI bank)

The page recommends adding the insurance “Purchase and goods protection” when buying in installments with TBI bank. In case of total damage, theft, robbery or other adverse events (according to the insurer’s terms), the insurer may partially or fully cover the value of the goods.

Learn more: 0700 17 571 / *8242 

5) Newpay – a payment method

Newpay is described as a payment method where Newpay pays your order on your behalf, and you repay Newpay using one of the options below.

Payment options (Newpay)

5 reasons to choose Newpay (as stated)

• Receive and review/try products at home and pay afterwards  - for “defer up to 30 days”
• One-time approval process; no need to fill forms/documents for every purchase after approval.
• After the first payment, next payments take seconds.
• No minimum order value requirement.

Who is Newpay suitable for?

• If you do not want to enter debit/credit card details (for “defer up to 30 days” or “6 installments” as stated).
• If you prefer to see the goods before paying.
• If you do not want to pay before being sure you bought what you want.
• If you do not want to go through approvals and paperwork every time (after a one-time approval).
• If you want to defer or split your payment.

6) UniCredit Consumer Financing – goods loan

You can purchase goods in installments with UniCredit Consumer Financing under their terms for installment shopping. The text states you can buy goods worth 75 EUR/146,69 BGN –15000 EUR/29337.45 BGN following a few steps.

Steps (in the online store)

1. Add the selected product to the cart.
2. In the cart, choose the payment method “On credit with UniCredit”.
3. Select your preferred number of monthly installments.
4. You can see the “Annual Interest Rate”, “APR”, and the “Total amount” payable (as stated).
5. You will be redirected to UniCredit Consumer Financing to complete the application and receive the decision via SMS and email.

Key features (UniCredit Consumer Financing)

Documents

Required documents: ID card only*

* UniCredit Consumer Financing reserves the right to request additional documents.

Insurance options

• Option to conclude insurance covering “Goods protection” and “Life and unemployment” with an insurer partnering with UniCredit Consumer Financing.
• Programs listed: “ZASHTITA MAKS 66 PLUS”, “CREDIT PROTECTION PLUS Package B” and “66+”, “ZASHTITA MAKS”, “CREDIT STABILITY”.

Additional information

• General terms for loans with fixed interest
• General terms for online loans with fixed interest
• Fully online application in 4 easy steps

For more information

0700 15 600

7) Important

• Amounts/terms/mark-ups are presented exactly as provided; no additional terms are introduced.
• Insurance coverage depends on the insurer’s terms, as stated.
• Delivery details you can check here.
• Returns details you can check here.

8) FAQ

9) Contacts / Support

• TBI bank (insurance “Purchase & goods protection”): 0700 17 571 / *8242
• UniCredit Consumer Financing (more information): 0700 15 600
• Extreme-bg.com contact for order questions: 0899 13 03 57