Conditions for granting a loan and installments for Ali Spress: to whom they give, what conditions. What kind of goods is the installment, an aliexpress loan?

In this article we will talk how to pay for goods on Aliexpress on credit.

You urgently needed a smartphone, a laptop, a tablet or another expensive thing, but there is no money for it? Have you found the appropriate option and want to buy it, but the salary is only in a couple of weeks? What to do? Aliexpressalready a long time solved this problem and now you can purchase goods on the site on credit. Let's deal with how it works.

If you are already interested in a proposal to buy something on Aliexpress on credit, and you still don't have your account, then we recommend reading an article "How to use aliexpress?"where the registration process is described in detail, filling the delivery address, search for goods, their purchase and payment, as well as receiving discounts.

Credit Conditions, installments for Ali Extress

Credit for Aliexpress

To obtain installments or credit on Aliexpressyou do not need to collect a lot of documents and come to the bank office. All that you are required - availability of a passport. It is worth noting that by installments provides the well-known Tinkoff Bank under certain conditions:

• The purchase amount must be within 3-100 thousand rubles
• On Aliexpress after approval of the application, payment is made instantly
• To get a loan you need only a passport

At the moment, installments are available only on goods from the section. Tmall. Previously, it was "Mall" and "Lightning". Recently, they were connected to one huge section Tmall.

Which products can be purchased on Aliexpress on credit?

As we have already told above, to buy on credit on Aliexpressproducts from Russian shops. So to find suitable things, immediately go to the section Tmall. Here are such categories of goods as:

• Phones and accessories
• Home Appliances
• TVs
• Computers and office equipment
• health and beauty
• Photo, audio and video
• Women's clothing
• Men's clothing
• Baby clothes
• Mama and children

How to take goods on credit for Aliexpress?

Open section Tmalland choose a suitable product.

• Go to its detailed description, select Suitable options, or rather color, size, or other parameters and click "Buy now".

Buy now

• You will be redirected to the order design page.
• To begin with, it is necessary to determine the address. If you are only indicated in the English version, the system will offer add a Russian-speaking, as sending will be carried out from a warehouse within the country, and not from China, so indicate the address in transliteration on Aliexpress it makes no sense.
• To add a new address, click the appropriate button and fill in all fields in Russian.

Add address

• Save the result and you will return back to ordering.
• Check in the next block. Do you have all the parameters, delivery method and write a comment for the seller if necessary.
• Below is the unit to select a purchase method. We choose "Payment on credit".

Credit payment

• Now everything is done and staying only "Confirm and pay".
• Next, instead of the usual payment window, the system will redirect you to the website of the Tinkoff Bank, where to design an application for credit, you need to leave your name and phone number.

Credit application

• The operator will contact you and receive an application, so prepare a passport in advance.
• After consideration of your application and when approves your order for Aliexpressit will be immediately paid. In addition, a bank employee will come to your home to sign the contract.

How to pay for an aliexpress loan?

After receiving the loan on Aliexpress, His, like any other, you need to pay. As a rule, the payment is made once a month in the same day. You may not worry that suddenly forget about the payment, since the bank usually notifies via SMS or e-mail about the need to make payment.

You can repay the loan by any convenient way, be it online banking, terminals or communication salons. However, without commission, payments are carried out only in communication salons.

By the way, if you intend to pay off the loan ahead of schedule, in whole or in part, then you must report this by a bank specialist on the telephone hotline Tinkoff Bank.

Is Cashbek provided when buying on an aliexpress loan?

At the moment, on AliexpressIf you buy the goods on credit, the cachek does not apply to it. Perhaps in the future the administration will solve this issue.

How to return the goods purchased on an aliexpress loan?

As you know, on Aliexpressin chapter Tmallthere is a rule that the goods can be returned within 15 days. In addition, it happens that the product comes defective. In any case, immediately arises the question of abandoning the purchase. What will happen to the loan? In fact, if you have not yet contributed a single payment and returned the goods, the loan will be canceled automatically.

Otherwise, it will have to decide the issue together with the Bank's employees, since you have to recalculate and close the loan.

Credit Reviews in Tinkoff Bank

For the most part, customers are very satisfied with such a possibility as the purchase of goods on Aliexpress on credit. Now you can buy things not only cheap, but also not to pay for them immediately. Although, of course, there are also dissatisfied customers. However, for the most part, this is due to the nuances of the work of Tinkoff Bank than with Aliexpress.

Video: Purchase on credit for Aliexpress