Payment in installments via Oney

Now you can buy motorcycle equipment quickly and easily in installments through Oney

 WHAT IS THE 3X4X ONEY SOLUTION?

This payment method involves paying the shopping cart in 3 or 4 installments with a 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 first installment amount available on your card.
  • The card must not expire until the installments are paid**

WHO CAN BENEFIT FROM THE 3X4X ONEY CREDIT SOLUTION?

The 3x4x Oney solution is dedicated only to individuals, adults and residents of Romania.

WHAT CARDS ARE ACCEPTED?

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

Not accepted:

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

WHAT DOCUMENTS ARE REQUIRED?

To use this lending 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 CREDIT SOLUTION?

  1. Add the desired products to the cart
  2. Choose the 3X4X ONEY payment option via Netopia at check-out
  3. Press the "Save order" button
  4. On the Netopia payment page, you will check the payment via 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 within a maximum of 60 days (for 3xOney) or 90 days, but no more than 3 months (for 4xOney).

Representative example for 3x Oney for free : For a 900 lei credit granted through 3x Oney for purchases on [include your website here], the customer will pay the following amounts:

  • an initial installment of 300 lei, then
  • 2 monthly installments of 300 lei each, which are reimbursed 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 client is free of charge, and the total value of the loan is 900 lei.

Example for 4x Oney for free : For a 1,600 lei credit granted through 4x Oney for purchases on [include your website here], the customer will pay the following amounts:

  • an initial installment of 400 lei, then
  • 3 monthly installments of 400 lei each, which are reimbursed 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 effective annual interest rate (APR) is 0%. Obtaining the loan for the client is free of charge, and the total loan amount is 1,600 lei.

This is an indicative example of a credit solution. The 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 provided by you. And will be subject to Oney Bank's internal assessment.

The provisions of GEO no. 50/2010 do 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 the protection of consumers in the conclusion and performance of distance contracts for financial services (“GEO 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 be concluded on the date of receipt of the confirmation e-mail, subject to your electronic acceptance (by checking 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 request for the credit by clicking on the “Payment in Installments” button on the Oney Bank website.

Meeting all the eligibility criteria for granting Oney Credit Solutions, mentioned in the General Terms and Conditions, does not automatically grant you the right to obtain Oney Credit Solutions, which remain subject to Oney Bank's approval 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), your 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 adult individuals (minimum 18 years old) with full legal capacity at the date of acceptance of the General Terms and Conditions, who cumulatively meet the following conditions: (i) are residents in Romania (Romanian citizens and foreign citizens resident in Romania); (ii) are consumers, within the meaning of the applicable legislation and, therefore, do not act for professional or commercial purposes; (iii) hold a valid Visa or Mastercard debit card (excluding prepaid cards/cards that systematically request authorizations such as VISA Electron and Maestro), issued by a credit institution in Romania or by a branch in Romania of an EU credit institution, with a validity period exceeding by more than 2 months the duration of the selected Oney Credit Solution or hold 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 Lille Metropole Trade and Companies Register under number 546 380 197, with its registered office located at 34 Avenue de Flandre, Croix (59170), email address: serviciuliclienti.ro@oney.com .

Oney Bank is supervised, primarily, by the French competent authority, ACPR, as well as by the National Bank of Romania (“BNR”) and provides Oney Lending Solutions cross-border, without a physical presence on the territory of Romania (given the exclusively online nature of the 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, as amended, being registered in the public register of the BNR regarding EU credit institutions that have notified the provision of services directly in Romania, according to the notification of 31/10/2019 (see the BNR list https://www .bnr .ro/Registre-si-Liste-717. aspx#IC )”.

For more details, access the following link: 3x 4x Oney | Oney (oney-bank.ro)