Rate Oney offer

How can you pay in 3-4 installments through Oney?

WHAT IS THE 3X4X ONEY SOLUTION?

This payment method involves paying for the shopping cart in 3 or 4 installments with one DEBIT card, and is offered at no cost (0% interest).

^**Very important:

• The first installment is paid on the spot, so you must have the amount of the first installment available on the card
• The card must not expire until the installments are paid

WHO CAN BENEFIT FROM THE 3X4X ONEY LOAN SOLUTION?

The 3x4x Oney solution is dedicated only to natural persons, of age and resident in Romania

WHICH CARDS ARE ACCEPTED?

Visa and MasterCard DEBIT cards, issued by banks or financial institutions in Romania, are accepted.

Not accepted:

• Prepaid cards, virtual cards or cards issued in another country
• Credit cards
• Business cards (issued for legal entities)
• Revolut cards, Visa Electron or Maestro cards

WHAT DOCUMENTS ARE REQUIRED?

To use this credit solution, you don't need any documents, just a debit card.

We do not request a justification of your monthly income.

HOW CAN I BENEFIT FROM THE 3X4X ONEY LOAN SOLUTION?

1. Add the desired products to the cart
2. You choose the 3X4X ONEY payment option through Netopia at check-out
3. Press the "Send order" button
4. On the Netopia payment page, you will check the payment by Oney (top right) and you will be redirected to the Oney payment page, where you fill in the requested data.

Terms and conditions

Oney Credit Solutions (3xOney and 4xOney) are provided by Oney Bank to eligible individuals free of charge, being repayable in a maximum of 60 days (for 3xOney) or 90 days, but no more than 3 months (for 4xOney).

Representative example for 3x Oney with free title:

For a credit of 900 lei granted through 3x Oney for purchases on www.goodisrael.com, the customer will pay the following amounts:

• an initial rate of 300 lei, then
• 2 monthly installments of 300 lei each, which are repaid every 30 days from the payment of the initial installment.

For a loan repaid within 60 days, the fixed interest rate is 0%, and the effective annual interest rate (APR) is 0%. Obtaining the loan for the customer is free, and the total value of the loan is 900 lei.

Example for 4x Oney with free title:

For a credit of 1,600 lei granted through 4x Oney for purchases on www.goodisrael.com, the customer will pay the following amounts:

• an initial rate of 400 lei, then
• 3 monthly installments of 400 lei each, which are repaid every 30 days from the payment of the initial installment.

For a loan repaid within 90 days (and no more than 3 months), the fixed interest rate is 0% and the annual effective interest rate (APR) is 0%. Obtaining the loan for the customer is free, and the total value of the loan is 1,600 lei.

This is an indicative example of a credit solution. Final information will be indicated in the confirmation email including the final repayment schedule. The information presented in the credit simulator is indicative and does not represent a contractual obligation of Oney Bank to provide a Oney Credit Solution. The maximum amount of credit you can receive will be determined based on the information you provide and will be subject to Oney Bank's internal evaluation.

The provisions of GEO no. 50/2010 does not apply to Oney Credit Solutions, which remain subject to general consumer protection legislation, including but not limited to Government Ordinance no. 85/2004 on consumer protection when concluding and executing distance contracts regarding financial services ("EOG no. 85/2004"). According to GEO no. 85/2004 you have a period of 14 calendar days to withdraw from the credit agreement starting from the date of conclusion of the credit agreement. The credit agreement is considered to have been concluded on the date of receipt of the confirmation email, subject to your electronic acceptance (by ticking the electronic box) of the General Terms and Conditions applicable to the online granting of Oney Credit Solutions (3xOney and 4xOney) ("General Terms and Conditions") and your credit request by clicking on the "Payment in installments" button on the Oney Bank website.

Fulfilling all the eligibility criteria for granting Oney Credit Solutions, mentioned in the General Terms and Conditions, does not automatically give you the right to obtain Oney Credit Solutions, which remain subject to the approval of Oney Bank based on its internal analysis.

Please note that after internal checks have been carried out (within a maximum of 14 days from the date of your electronic acceptance of the credit offer and the General Terms and Conditions) the credit may be refused.

Oney Credit Solutions are available exclusively for products and services sold online and are valid for a minimum credit of 450 Lei and a maximum of 12,000 Lei.

Oney Credit Solutions are available and reserved only to natural persons of legal age (minimum 18 years old) with full exercise capacity at the date of acceptance of the General Terms and Conditions, who cumulatively meet the following conditions: (i) are residents of Romania (Romanian citizens and Romanian resident foreigners); (ii) are consumers, within the meaning of the applicable legislation, and therefore do not act for purposes of a professional or commercial nature; (iii) hold a valid Visa or Mastercard debit card (excluding prepaid cards/cards that systematically require authorizations such as VISA Electron and Maestro), issued by a Romanian credit institution or a Romanian branch of a credit institution from the EU, having a validity period that exceeds by more than 2 months the duration of the selected Oney Credit Solution or have any other payment methods, as specified by Oney Bank.

Oney Bank is a French credit institution authorized to carry out lending and payment activities by the French Prudential Control and Resolution Authority (“ACPR”), organized and operating as a joint-stock company in accordance with French law, with a share capital of 51,286,585 euros, registered in the Register of Trade and Companies of Lille Metropole under number 546 380 197, with headquarters located in avenue de Flandre, no. 34, Croix (59170), email address: serbujnclienti.ro@oney.com.

Oney Bank is primarily supervised by the French competent authority, ACPR, as well as by the National Bank of Romania (“BNR”) and provides cross-border Oney Credit Solutions, without a physical presence on Romanian territory (considering the exclusively online nature of lending activity), carrying out consumer lending activities in Romania under the conditions of freedom to provide services in accordance with the provisions of Government Ordinance 99/2006 on credit institutions and capital adequacy, with subsequent amendments, being registered in the public register of the BNR regarding to the EU credit institutions that have notified the provision of services directly in Romania, according to the notification of 10/31/2019 (see the NBR list https://www.bnr.ro/Registre-si-Liste-717.aspx#IC).