{"id":140440,"date":"2022-12-08T01:00:00","date_gmt":"2022-12-07T23:00:00","guid":{"rendered":"https:\/\/klap.ro\/blog\/telefoane-in-rate-cu-dobanda-zero\/"},"modified":"2026-06-02T17:19:56","modified_gmt":"2026-06-02T14:19:56","slug":"phones-in-installments-now-with-zero-interest-on-online-credit","status":"publish","type":"post","link":"https:\/\/klap.ro\/en\/blog\/phones-in-installments-now-with-zero-interest-on-online-credit\/","title":{"rendered":"Phones in Installments, Now with Zero Interest on Online Credit"},"content":{"rendered":"\r\n<p><\/p>\r\n\r\n\r\n\r\n<p>Phones in installments \u2014 who would have thought such a thing was possible, especially when we are talking about <a href=\"https:\/\/klap.rotelefon-reconditionat-vs-telefon-second-hand-care-sunt-diferentele\/\">refurbished phones<\/a>? Klap.ro gives you the opportunity to buy any device in installments, not just phones.<\/p>\r\n\r\n\r\n\r\n<p>And we do this because we know what it is like to want to buy gifts for your loved ones, or even for yourself, to treat yourself from time to time, but your bank account looks like the emergency number.<\/p>\r\n\r\n\r\n\r\n<p>Even though the refurbished or expert hand phones sold by <a href=\"https:\/\/klap.ro\/en\/\">Klap.ro<\/a> are available at the most affordable prices, why not take advantage and buy them in installments, if possible? And the credit conditions are not as restrictive as those of most banks.<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-embed is-type-rich is-provider-inglobeaza-manipulantul wp-block-embed-inglobeaza-manipulantul wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\r\n<iframe title=\"Telefoane \u00een rate, prin credit online, cu dob\u00e2nd\u0103 ZERO\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/-On4U4fhH1A?feature=oembed&#038;enablejsapi=1&#038;origin=https:\/\/klap.ro\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\r\n<\/div><\/figure>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Phones in installments through online credit<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>If you want to buy a phone, tablet, or even laptop, up to 1,000 lei, you should know that you can pay in installments, with ZERO interest.<\/p>\r\n\r\n\r\n\r\n<p>Our partner, TBI Bank, will make sure that, if you are eligible, the money reaches us, and we, in turn, will make sure that the phone you ordered reaches you. This is how we complete the circle of a purchase through online credit, with 0 (zero) interest.<\/p>\r\n\r\n\r\n\r\n<p>Below is an example that TBI itself gives on its own website!<\/p>\r\n\r\n\r\n\r\n<p>If you want to purchase a <a href=\"https:\/\/klap.rocum-se-face-o-reparatie-de-ecran-spart-la-un-telefon-reconditionat\/\">refurbished phone<\/a> worth 1,000 lei. For 4 months, you will pay fixed installments. 260 lei per month.<\/p>\r\n\r\n\r\n\r\n<p>We know, we know&#8230; why not 250 lei? Because 10 lei per month is the credit administration fee charged by the financier. Other than that, as we said, the interest is zero, and the installment is fixed, regardless of interest rate fluctuations in the market, you are covered! &nbsp;&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Minimum eligibility conditions<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>In order to enjoy hassle-free shopping in installments, you will need to meet a few minimum eligibility conditions. This way, your financier wants to make sure that you can repay the requested loan.<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-embed is-type-rich is-provider-inglobeaza-manipulantul wp-block-embed-inglobeaza-manipulantul wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\r\n<iframe title=\"Telefoane \u00een rate: condi\u021bii minime de eligibilitate\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/AZ7cuSTHvpE?feature=oembed&#038;enablejsapi=1&#038;origin=https:\/\/klap.ro\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\r\n<\/div><\/figure>\r\n\r\n\r\n\r\n<p>Therefore, you will need to:<\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\" type=\"a\">\r\n<li>Have at least 3 uninterrupted months of seniority at your current workplace,<\/li>\r\n\r\n\r\n\r\n<li>Be at least 18 years old or no more than 75 years old at the date the contract ends,<\/li>\r\n\r\n\r\n\r\n<li>The minimum wage is the minimum accepted monthly income, &nbsp;<\/li>\r\n\r\n\r\n\r\n<li>The minimum accepted pension is 1,000 lei,<\/li>\r\n\r\n\r\n\r\n<li>TBI Bank also accepts salary income obtained abroad,<\/li>\r\n\r\n\r\n\r\n<li>Income from dividends, copyright royalties, child-raising allowance, daily allowances, etc. is also accepted.<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Phones in installments that cost over 1,000 lei. The interest remains fixed.<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>If you want to purchase from <a href=\"https:\/\/klap.rotelefon-cadou-ieftin\/\">Klap.ro<\/a> a phone in installments that costs more than 1,000 lei, you can do so without any problem.<\/p>\r\n\r\n\r\n\r\n<p>However, here the situation changes slightly, because depending on the value of the credit and the installments, the interest also differs.<\/p>\r\n\r\n\r\n\r\n<p>Therefore, you can buy a phone, tablet, or laptop and split the payment into 6 to 60 installments.<\/p>\r\n\r\n\r\n\r\n<p>The most important part for you is that, regardless of its value, the interest remains fixed from the first installment to the last.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Examples of installment calculations depending on the phone value<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Let\u2019s say you found a device on Klap.ro that costs 2,000 lei. After you decide to buy it, you choose the installment payment method, as well as how many fixed installments you want.<\/p>\r\n\r\n\r\n\r\n<p>Therefore, for a 2,000 lei credit, the fixed installment value will be:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>404.26 lei \u2013 over 6 months<\/li>\r\n\r\n\r\n\r\n<li>222.13 lei \u2013 over 12 months<\/li>\r\n\r\n\r\n\r\n<li>162.31 lei \u2013 over 18 months<\/li>\r\n\r\n\r\n\r\n<li>133.08 lei \u2013 over 24 months<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>The annual percentage rate of charge (APR) is 53.73%, and the total payable amount is 3,193.94 lei.<\/p>\r\n\r\n\r\n\r\n<p>If, on the other hand, you found more expensive devices and want to buy one of them, no problem, TBI Bank and Klap.ro are here to help!<\/p>\r\n\r\n\r\n\r\n<p>Let\u2019s take another example.<\/p>\r\n\r\n\r\n\r\n<p>For a refurbished phone worth 5,500 lei, you will be able to pay in fixed installments without any problem. This is what your installments will look like, depending on the number of payments you want:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>1,012.89 lei \u2013 over 6 months<\/li>\r\n\r\n\r\n\r\n<li>537.84 lei \u2013 over 12 months<\/li>\r\n\r\n\r\n\r\n<li>380.43 lei \u2013 over 18 months<\/li>\r\n\r\n\r\n\r\n<li>302.43 lei \u2013 over 24 months<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Our advice is to use such a payment method as long as you make sure you do not become over-indebted. And even if you do not have such concerns, but you do not want to pay all the money at once for a purchased device, it is just right.<\/p>\r\n\r\n\r\n\r\n<p>The installments are fixed and monthly, and you do not have to worry that if you bought something you wanted, you will be left without money that month.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Phones in installments \u2014 who would have thought such a thing was possible, especially when we are talking about refurbished phones? Klap.ro gives you the opportunity to buy any device in installments, not just phones. And we do this because we know what it is like to want to buy gifts for your loved ones, [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":140441,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5760],"tags":[5764,5774,5775,5765,5766],"class_list":["post-140440","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-utile","tag-telefoane-ieftine","tag-telefoane-in-rate","tag-telefoane-pre-loved","tag-telefoane-second-hand","tag-telefon-reconditionat"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Telefoane \u00een rate, acum cu dob\u00e2nd\u0103 zero, la creditul online<\/title>\n<meta name=\"description\" content=\"Telefoane \u00een rate \u2013 cine ar fi crezut c\u0103 un astfel de lucru este posibil, mai ales c\u00e2nd vorbim 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