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Credit conditions
Loans are going to be provided to citizens who are 23 years of age and above. In order to receive a loan you have to have the following documents with you: Passport and Social Security Card 
Items that are priced 35 000 drams and over can be purchased through a credit sale transaction. 
 
The transaction will be completed in the stores, with the help of a specialized application.
There are 3 possible ways to complete a credit sale transaction:
  • With an 8.33% prepayment, 0% interest rate and a time frame of 3-11 months to complete the transaction.
  • With a 0% prepayment, 18% interest rate, a time frame of 24 months and a 0.8% service fee up to 1.500.00 drams. (during the first 12 months no interest rates nor service fees will be charged)
  • With a 0% prepayment, 18% interest rate, a time frame of 36 months and a 0.8% service fee up to 1.500.00 drams. (during the first 12 months no interest rates nor service fees will be charged)
A special offer for smartwatches:
 
  • 0% interest rate will be charged for the first 6 months, duration of the transaction: 36 months
  • 15% interest rate and a 0.5% service fee will be charged starting from the 7th month of the transaction
The credit sales are not compatible with other sales and offers alike. 


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