Obročno plačevanje za fizične osebe preko Leanpaya

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Kaj je Leanpay?

Leanpay je inovativen način obročnega plačevanja, ki je dostopen vsem državljanom Republike Slovenije z osebno izkaznico ali potnim listom RS, ki so stari med 18 in 73 let. Dostopen je vsem upokojencem, katerih redni mesečni prejemek znaša najmanj 570€ ter vsem zaposlenim osebam z delnim ali polnim delovnim časom in samostojnim podjetnikom, kateri mesečni prejemek znaša minimalno 710€.

 

Kaj potrebujete, da si pridobite kredit?

  • veljavno osebno izkaznico ali potni list
  • svoj pametni telefon in delujočo telefonsko številko
  • svojo elektronsko pošto
  • svojo davčno številko
  • svoj transakcijski račun (TRR), ki je odprt pri banki v Republiki Sloveniji ter svojo bančno kartico v TRR obliki (SI56...), za nakupe na spletu pa potrebujete Viso ali Mastercard

 

Kakšne so značilnosti našega kredita?

  • kredit znaša med 50€ in 5.000€
  • minimalni posamezni mesečni obrok znaša 10€
  • strošek ocene tveganja je 4% od zneska kredita – enakratno*
  • ročnost: 3, 6, 12, 18, 24, 36, 48 mesecev*
  • letna obrestna mera znaša 6, 95 %*

plačilo obrokov: avtomatsko, z bremenitvijo na osebnem transakcijskem računu (TRR), fizične osebe, 7. ali 17. v mesecu

 

Kako se prijavite na Leanpay?

  • na svoj pametni telefon naložite aplikacijo Leanpay in se nato registrirate, s tem ko vpišete določene podatke, ki so pomembni za nadaljevanje postopka
  • ob nakupu preko naše spletne strani v rubriki "Plačilo" izberete podano možnost obročno odplačevanje Leanpay in prejmete ponudbo na svoj telefon
  • na telefonu preverite izbrane elemente obročnega plačila
  • vnesete svoje podatke in počakate na odločitev
  • pregledate kreditno pogodbo in jo elektronsko podpišete
  • izpeljete preostale potrebne korake za veljavnost pogodbe: osebna identifikacija, osebni prevzem nakupa...
  • redno poravnavate obveznosti ter spremljate plačila na "Moj Leanpay"

 

Kakšen je postopek v trgovini?

Postopek v trgovini je čisto enostaven, vse kar potrebujete je le pametni telefon ter aplikacijo:

1.Prodajalec se prijavi v Leanpay aplikacijo s svojim uporabniškim imenom in geslom

2.Prodajalec preveri osebni dokument kupca, nato potrdi identiteto kupca pred seboj in pravilno vpiše podatke iz osebnega dokumenta v ponudbo za obročno plačilo.

3.Prodajalec s potrditvijo v Leanpay aplikaciji pošlje ponudbo kupcu na SMS ali E-mail.

4.Kupec nato na svojem telefonu (s pomočjo navodil na ekranu) vnese in preveri podatke ter odgovori na nekaj vprašanj, s čimer poda vlogo za kredit.

5.Leanpay preveri podatke ter poda odločitev takoj; če je posel odobren, pošlje stranki potrditev in kreditno pogodbo po elektronski pošti.

6.Povratno informacijo dobi tudi trgovina v aplikaciji (sprememba statusa ''Odobreno'' ali ''Zavrnjeno'' v zavihku ''Ponudbe'' – pri odobritvi prodajalec samo še preda nakup ter potrdi predajo nakupa v aplikaciji (zavihek ''Transakcije'')

 

Kako preverite limit pred nakupom?

S klikom na ''Preveri limit'' na www.leanpay.si ali na naši spletni strani www.lincos.si

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