How to Buy on PayU Installments?

At Mensa Home, you can make your purchase in installments!

Place products in your basket and use the PayU Installment payment option
PayU Installments are available for purchases ranging from 300 to 10,000 zł.

Fill out the Short Form
After placing your order, you will automatically be redirected to PayU's page with a form.

Enjoy Your New Purchase
Once the contract is confirmed, you will receive an email confirming the purchase.

QUESTIONS & ANSWERS

Who can purchase in installments?
At Mensa Home, everyone can buy in installments

I'm a foreigner. Can I purchase in installments?
We will redirect you to the PayU page. Before you start filling out the application, please indicate that you have a residence card – this ensures your application goes to the appropriate bank.

What can be bought on PayU Installments?
All products available at Mensa Home can be bought in installments, provided the order value is between 300 and 10,000 zł.

When are PayU Installments not available?
a. the total price, including delivery, is not between 300 and 10,000 zł.

What role does PayU play in granting the loan?
PayU S.A., based in Poznań, acts as an intermediary between the borrower and the lending partner. The loan agreement is between the borrower and the lender.

Does the lending partner check income and history in BIK (Credit Information Bureau)?
In the credit application, you should enter your income amount. The lending partner might then verify your income. For this, they may ask for a bank statement or other income documents. The loan decision also depends on your history in the Credit Information Bureau. Connecting with the bank account ensures a faster offer preparation and a safe process. This automated technology guarantees complete anonymity and cannot store any confidential information. Account details are only used for an initial credit assessment to provide a personalized offer.

How long does the lending partner take to review the credit application?
Typically, you will wait up to several minutes for a loan decision. The time taken to review your application can vary based on factors like verification transfer timing. Therefore, in some cases, this process may be extended.

What happens if I don't receive the loan?
Nothing, because the items won't be purchased. The purchase occurs automatically only after a positive decision by the lending partner.

What can be the loan amount?
The minimum loan amount is 300 zł, and the maximum is 10,000 zł.

How many installments and what's the loan period?
Payments for purchases covered by standard installments can be spread over several monthly installments. You can choose from loan periods of 5, 10, 20, 30, 36, 50 months. Up to 10 installments are at 0% interest; beyond that, installments are interest-bearing. We encourage you to use the loan calculator.

How is the loan repaid?
You repay the loan in equal installments. Interest is charged monthly as part of the loan installment. The installment amount, repayment deadline, and account number are found in the loan agreement. You should also receive the loan repayment schedule via email or directly in electronic banking.

Can I repay the loan early?
Yes, you can repay the loan ahead of schedule. For this, you need to issue an early repayment order. You won't pay interest for the period after repaying the loan.

What happens in case of returning goods purchased on installments?
If you decide to return a product, please securely pack the items and send them to Mensa Home, ul. Balonowa 49, 64-100 Leszno, phone: 731-369-369, email: sklep@mensahome.eu, within 14 days of receiving the order.

To withdraw from the loan agreement, you must also contact the Lender. If you don't, the credit agreement may still apply.

You can check the refund status by contacting the Lender, with various provided contacts for mBank, Alior Bank, Inbank, Smartney, Santander Consumer Bank, and Credit Agricole Bank:
mBank - 801 300 800 lub 783 300 800 (z tel komórkowych)
Alior Bank - 19 502 lub +48 12 370 70 00
Inbank - 801 805 805
Smartney - 225288888
Santander Consumer Bank - 195 00
Credit Agricole Bank - 19 019

Does returning goods purchased on installments mean also withdrawing from the credit agreement?
No, the credit agreement isn't automatically terminated by returning the funds to the credit account. To issue orders related to the returned funds, including the order to terminate the credit agreement, you need to contact the Lender, with contacts provided for various banks. If you don't get in touch, the credit agreement may still apply.