Pay with Moki 3 within 3 months!

Did you select the products you want? You can buy it now and pay in equal installments within 3 months.

When you fulfill the conditions of the Moki 3 discount, you will not be charged interest, contract administration, and other fees - you will only pay the value of your purchases.

How to use Moki 3 payment method in LEMONA electronics store?

1) Add the item to your cart.

Add the item to your cart, with a value of more than 50 euros. This payment method also applies to the cart with a value of more than 50 euros.

2) Press buy.

After finding all the desired items, press buy and enter your contact information in LEMONA electronics online store.

3) Choose Moki 3 under payment methods.

Once you have chosen the Moki 3 payment method, you will be directed to the provider's website (www.inbank.lt), where you will fill out all the required information.

Frequently Asked Questions about Moki 3:

What is Moki 3?

Moki 3 is a discount where you sign a 24-month consumer credit contract and are given the choice of paying for your purchases within a period of 3 months, in equal installments, with no surcharge, or paying on a 24-month schedule in smaller installments with interest and other charges. If you choose to pay with Moki 3, it is important to make all 3 installment payments on time without delays. Otherwise, you will automatically be transferred to a 24-month payment schedule with interest.

How does it work?

You will be given a consumer credit contract for a 24-month term, which will include a Moki 3 discount. You will be given the option to pay for the purchases within 3 months, in equal installments up to the date of the calendar month of your choice, which is specified in the contract. If you are late in paying at least one Moki 3 discount installment, you will be a subject to a 24-month installment payment schedule according to the contract with a surcharge. Installments paid before the loss of the discount, if higher than the regular installments in the 24-month installment payment schedule, may be credited as early repayment of a part of the customer credit. In this case, we will send you a recalculated 24-month payment schedule by email. Regardless of the payment schedule in place, you can always pay early. You can check the amount of your installment payments at any time by logging in to the self-service website https://inbank.lt/ident/prisijungti.

Does Moki 3 apply to a specific item or to the whole shopping cart?

The Moki 3 discount applies to the entire shopping cart, i.e. regardless of how many items you have added to your shopping cart and if you have chosen the home delivery service or not, the Moki 3 discount will be applied to the total amount of your shopping cart.

What if you miss a Moki 3 payment?

If you miss at least one Moki 3 discount payment, you will be a subject to a 24-month payment schedule with an increase in price according to the terms of the contract. Installments paid before the loss of the discount, if higher than the regular installments in the 24-month installment schedule, may be credited as early repayment of a part of the loan. In this case, we will send you a recalculated 24-month payment schedule by email. Regardless of the payment schedule in place, you can always pay early. You can check the amount of your installment payments at any time by logging in to the self-service website https://inbank.lt/ident/prisijungti.

For example, borrowing Eur 169.99 with a 24-month contract, with Moki 3, you would pay a monthly installment of Eur 56.66 in a period of 3 months. However, if you are late in making the second payment on time, you will lose your right to the Moki 3 discount, and then you will be subject to a 24-month installment payment schedule with an annual interest rate of 26.9%, a 0% contract conclusion fee, a 0.4125% monthly contract fee, a total consumer credit price annual return rate of 41.03%, a total amount to pay of Eur 201.60, and a monthly installment payment of Eur  8.40.

Why do I have to sign a contract with ASInbank filialas when I buy goods from "{insert name of e-shop, e.g. senukai.lt}” e-shop?

If you would like to pay for your purchases in installments and benefit from the Moki 3 discount, you will need to sign a consumer credit agreement. The service is provided by "{insert name of e-shop e.g. Senukai.lt}” financial partner - "AS Inbank filialas" and the contract is therefore concluded with this company.

I haven't paid my Moki 3 installment on time. What will be the interest and contract fee?

If the Moki 3 discount is not used, the interest and the contract fee for the 24-month consumer credit agreement will be calculated only on the outstanding amount of the loan and from the date of the interest recalculation.

For example, borrowing Eur 169.99 with a 24-month contract, with Moki 3, you would pay a monthly installment of Eur 56.66 in 3 months. However, if you are late in making the second payment on time, you will lose your right for the Moki 3, discount, and then you will be subject to a 24-month installment payment schedule with an annual interest rate of 26.9%, a 0% contract conclusion fee, a 0.4125% monthly contract fee, a total consumer credit price annual return rate of 41.03%, a total amount to pay of Eur 201.60, and a monthly installment payment of Eur  8.40.

What if I have paid more than I should have paid according to the original installment schedule? 

If you paid more, that's not a problem. It is important that you cover at least 2/3 of the contract amount with the second instalment and the full amount of the purchase with the third instalment.

Will I be able to return my purchase(s)?

For information on returns and warranty, please see "{enter the name of the e-shop, e.g. Senukai.lt}" website.

Where can I find information about my Moki 3 contracts?

You can find full details of your contracts and monthly installment payments by logging into the self-service website https://inbank.lt/ident/prisijungti

Inbank lizingas
www.inbank.lt

+370 700 700 80