Leanpay is an innovative way of installment shopping that does not require a visit to the bank and does not require unnecessary paperwork.
Purchase by installment payment on the spot.

Leanpay terms and informative calculations.

Terms of business Leanpay

ADVANTAGES
the conclusion of the installment payment is possible immediately in the store
information on approval or rejection in just a few minutes
no additional documentation, no bank visit and no hidden costs
overview of obligations and payments at any time on the personal portal My Leanpay (app.leanpay.si)
for purchases from 50 to 5,000 EUR payment in up to 48 installments, depending on the offer of the merchant and of your choice (min. installment: 10 EUR)
WHAT DO YOU NEED?
a smartphone that only you can use
your tax number and your ID card
your bank card with a personal bank account number (TRR).
HOW IT WORKS?
You choose Leanpay installment payment and receive the offer on your phone
Check the selected installment items on your phone
Enter your details and wait for a decision
You review the credit agreement and sign it electronically
Take the remaining necessary steps for the validity of the credit agreement: personal identification, personal acceptance of the purchase and other
Regularly settle liabilities and monitor payments on “My Leanpay”
You can also view the loan agreement, business details, general terms and conditions, privacy policy and more at any time on the My Leanpay personal portal. You will receive a link to access the Moj Leanpay portal in a text message and by e-mail after the purchase.

INTEREST RATE 6.95%
APPROVAL COST 0%
RISK ASSESSMENT COST ** 4%
NUMBER OF MEALS 3, 6, 9, 12, 18, 24, 36, 48
MINIMUM LOAN AMOUNT EUR 50.00
MAXIMUM LOAN AMOUNT EUR 5,000.00
IMMEDIATE PAYMENT ON PURCHASE 0,00 EUR ***
LOAN REPAYMENT METHOD SEPA direct debit

EXAMPLE OF CALCULATION EXAMPLE 1 EXAMPLE 2
PURCHASE AMOUNT EUR 1,500.00 EUR 4,000.00
MEAL AMOUNT 67.13 EUR 95.69 EUR
NUMBER OF MEALS
APPROVAL COSTS EUR 0.00 EUR 0.00
RISK ASSESSMENT COSTS EUR 60.00 EUR 160.00
EOM 11.18% 9.33%
IMMEDIATE PAYMENT *** 0,00 EUR 0,00 EUR
TOTAL AMOUNT OF PAYMENTS EUR 1,679.55 EUR 4,776.10
The cost of the risk assessment is settled by payment at the time of purchase or by payment at the due date of the first installment. The EOM may change if certain data used to calculate it change. Date of validity of the calculation: March 8, 2021.

* Leanpay allows the process to be performed without documentation, but in accordance with the General Terms and Conditions, Leanpay may require additional evidence from the borrower at any time (during the process or subsequently), such as a copy of the monthly bank statement showing the past salary inflow. 3 months or original printout of the transaction on the personal transaction account from the e-bank application, from which the data are unambiguously evident, a photo of a valid bank card with the borrower’s current account number, bank certificate of transfer to personal current account from the previous 3 months, employer’s confirmation payroll) for the previous 3 months, or other evidence

** The store may specify different costs, which Leanpay always clearly shows to the customer before deciding on a loan

*** For online payment in installments, Leanpay may require a deposit of between EUR 100 and EUR 300, payable by credit card, for purchases over € 1,000 and up to € 5,000. The payment is used to pay the costs and part of the principal, and the repayment schedule of the loan is adjusted accordingly and is clearly shown to the client before the decision on the loan in the Standard Prior Information