We've said no to interest rates. You won't pay anything extra!
Shop conveniently with Home Credit for everything you desire, starting today!
- You can shop cashless starting from CZK 3,000 online or at our stores.
- Repay in 10 or 20 installments and you won't pay anything in interest for this purchase.
- The repaid money can be used again for future purchases.
Sorry, no 0% interest rate offers are currently available😒
No worries, you can still take advantage of our Shop on Installments service starting from CZK 3,000 online or at our stores.
What can you currently buy with 0% interest rate?
You can also take advantage of the regular installment payment option for any purchase over CZK 3,000.
What are the benefits of 0% interest shopping?
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Applying for a revolving credit is quick and easy.
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You can shop right away without the hassle of saving up.
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Everything can be done online from the comfort of your home, and we'll deliver the goods right to your doorstep.
0% interest rate plan comparison
|
|
10 Months |
20 Months |
|---|---|---|
| Price |
CZK 10,000
|
CZK 10,000
|
| Down payment |
CZK 0
|
CZK 0
|
|
|
CZK 10,000
|
CZK 10,000
|
| Number of monthly installments |
10
|
20
|
| Monthly installment payment |
CZK 1,000
|
CZK 500
|
| Total amount payable by client |
CZK 10,000
|
CZK 10,000
|
| Annual interest rate |
0 %
|
0 %
|
| Annual interest rate |
0 %
|
0 %
|
|
|
The example is calculated assuming that the drawdown will take place on May 1, 2024, the first payment will be made on June 6, 2024, and the due date for the last payment is April 20, 2025. In some cases, there may be minor differences in the amount of the last payment due to rounding of payments to whole CZK. The specific amount of the last payment will be shown in your monthly statement. The values apply only to the drawdown of the loan spread over the installment plan and do not take into account any other possible transactions and fees paid in the standard way in accordance with the terms of your loan agreement.
Illustrative calculation according to the law for revolving loans: Loan amount 30,000 CZK, annual interest rate 26.28%, APR 33.2%, total to be paid 34,740 CZK. Individual consecutive monthly payments: 3,196 CZK, 3,141 CZK, 3,087 CZK, 3,032 CZK, 2,977 CZK, 2,922 CZK, 2,868 CZK, 2,813 CZK, 2,758 CZK, 2,703 CZK, 2,649 CZK, 2,594 CZK. Payments and the total amount to be paid are mathematically rounded. The stated values apply assuming that the entire amount of the loan is drawn immediately, non-cash, in full, at the highest fee, the highest interest rate, with the loan being provided for one year and repaid in 12 monthly installments with the same principal amount. The offer does not take into account any further loan drawdowns or the use of additional services. The offer is valid subject to the terms and conditions of Home Credit a.s. and does not create a right to the provision of a payment plan or loan. We evaluate each loan application individually and it may differ from the one presented.
The offer is valid subject to the terms and conditions of Home Credit a.s. and does not create a right to the provision of a payment plan or loan. We evaluate each loan application individually and it may differ from the one presented.
Non-bank loan provider is Home Credit a.s., Nové sady 996/25, Staré Brno, 602 00 Brno, Czech Republic. Alza.cz a.s., Jankovcova 1522/53, Prague 7 – Holešovice is a loan intermediary as a tied representative and represents on the basis of a cooperation agreement the loan provider. The provider or seller does not provide the consumer with “advice” according to the rules set out in Section 85 of Act No. 257/2016 Sb., on consumer credit. This advertising does not create a legal right to the provision of a loan.
LEI identifier registration: 315700MJRNJSVB95U852
For more information about Home Credit, please visit: www.homecredit.cz
How do I shop on installments?
- I will fill out the application online from the comfort of my home
- I will arrange everything in person at the store
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On the product page, click on the Buy on Installments button. Choose the number of months you want to repay. Proceed as you would with a regular purchase.
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Fill in all the necessary information in the application, and Home Credit will evaluate your request.
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After approval, you will sign the credit agreement online, and we will send you the goods.
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Collect your purchase and enjoy.
General credit terms & conditions
- Age 18 and legal capacity
- Stable source of income
- Minimum order of CZK 3,000
Required documents
- ID card or Bank iD verification. For SK citizens sojourn is sufficient. Residents from EFTA countries (European Free Trade Association) and United Kingdom are required to substantiate permanent residence permit in Czechia.
- In some cases, a second form of identification may be required (passport, driver's license, insurance card, or birth certificate).
- We may also require proof of income from you.
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Visit our store and let our clerk at the checkout counter know what products you would like to purchase on installments.
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Present a valid ID card and our sales representative will fill in the details of your order in the Home Credit app. They will create a QR code for you, which you will scan to access the Home Credit app to fill out a loan application.
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After filling out the application and uploading the necessary documents, you'll wait for loan approval. Once approved, you'll sign the contract via a text message and upload the required documents.
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Home Credit will generate a 6-digit code, which you will give to the sales representative. The sales representative will invoice the product, which you can then pick up and start using.
General credit terms & conditions
- Age 18 and legal capacity
- Stable source of income
- Minimum order of CZK 3,000
Required documents
- ID card or Bank iD verification. For SK citizens sojourn is sufficient. Residents from EFTA countries (European Free Trade Association) and United Kingdom are required to substantiate permanent residence permit in Czechia.
- In some cases, a second form of identification may be required (passport, driver's license, insurance card, or birth certificate).
- We may also require proof of income from you.
How can I tell what products are covered by this zero interest-rate policy?
This designation indicates that the product that can be purchased on the 0% interest rate plan.