Hire-purchase - quick and easy payment method

This is a financial service that allows the BUYER to use the desired product by paying only a portion of its value upfront. The remaining amount is paid to the leasing company in installments according to a set schedule. The service is available to individuals who choose not to postpone a comfortable life for tomorrow and want to enjoy their desired product today.

You won’t need to save up if you want to buy a product, because even with only part of the funds, you can already start using it. You can even use several products at once for the same amount of money that would have only been enough to buy one.

• You must present an identity document (passport, ID card, or permanent residence permit in the Republic of Lithuania) to a store or leasing company representative;
• Employment at your current workplace must be no less than 4 months;
• To become a leasing company client, you must be at least 18 years old;
• Pensioners must present a pensioner’s ID and an identity document;
• Recipients of disability benefits (disability groups 1, 2, and 3) must present a disability certificate and an identity document;
• Statutory civil servants must present a service ID and a certificate from their employer showing gross and net salary for the past 4 months, or a bank statement for the same period confirmed by a bank employee;
• If the buyer is self-employed under a business license, they must present an identity document, business license, tax declaration for the previous year (certified by the State Tax Inspectorate), and an income-expense journal for the current period;

• No hidden fees;
• If you are an “Artea Leasing” client, you will receive a discount on interest rates when signing a new installment purchase agreement*;
• The number of documents required for credit is minimal, and the terms are attractive;
• You’ll benefit from one of the largest payment collection networks in Lithuania;
• You’ll receive financing for products priced between 40 and 6000 EUR and can choose a payment term from 3 months to 3 years;
• You can choose the most convenient day of the month to make your credit payments and pay equal amounts each month.

*The discount applies to customers who have properly and timely fulfilled their obligations under their most recently fully repaid contract. Discounts cannot be combined with promotional terms.

MOKI 3 payment applies to shopping carts starting from €100. The customer must pay in three equal monthly installments. If the customer doesn’t manage to pay within 3 months or prefers a longer payment period, they can extend it up to 24 months. In this case, a leasing agreement with a payment schedule will be sent by email. Of course, you can always pay earlier.

How does MOKI 3 work?
A 24-month consumer credit agreement will be signed with you, which includes the MOKI 3 discount. You will have the opportunity to pay for the goods in 3 months by making equal monthly payments by the calendar day of your choice, as specified in your contract. If you choose not to use the discount, you will repay the credit according to the terms of the 24-month agreement, making payments as per the provided schedule. Of course, you have the right to repay the credit earlier than specified in the agreement. You can always check your installment amount by logging into the Self-Service site at http://www.inbank.lt/savitarna.

All information about your agreements and monthly payments can be found by logging into the Self-Service site at http://www.inbank.lt/savitarna. If you have questions, we’ll be happy to help by phone at +370 700 700 80 or by email at info@inbank.lt